Auto Insurance for Firefighters (2024)
You can find the best auto insurance for firefighters with Geico and USAA. Firefighters pay about $123/mo for auto insurance, but lower rates are possible by taking advantage of discounts. Read on to compare firefighter auto insurance rates and find affordable car insurance for firefighters.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 13, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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- Auto insurance rates for firefighters average $123 monthly
- Firefighters qualify for occupational discounts of 3% to 10% with most auto insurance companies
- USAA and Geico offer the cheapest auto insurance rates for firefighters, but Nationwide auto insurance offers the highest discount
Auto insurance for firefighters is affordable, averaging $123 monthly for full coverage auto insurance. In addition, insurance companies consider occupation when writing auto policies, and many award first responders, including firefighters, special discounts on car insurance.
How does your job affect auto insurance? Insurers consider risk when setting rates, and where you work can impact how often you drive, increasing or decreasing your likelihood of getting into an accident. For example, firefighters may have high-risk jobs but are usually low-risk drivers. So, finding affordable car insurance for firefighters isn’t difficult.
Auto insurance discounts for firefighters range from 3% to 10%, and when you stack firefighter discounts with other auto insurance discounts, you can pay even less for car insurance.
Car insurance for first responders is affordable, but you can get cheaper firefighter auto insurance quotes by comparing companies, rates, and discounts. Keep reading to learn more about the best auto insurance for firefighters.
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Firefighter Auto Insurance Rates
The table below lists car insurance companies offering the cheapest rates for firefighters and first responders. The occupational and safe driver discount amounts are also listed if known:
Auto Insurance Rates for Firefighters
| Insurance Company | Monthly Rates | Occupational Discount | Safe Driver Discount |
|---|---|---|---|
| USAA | $91 | Varies | up to 10% |
| Geico | $100 | 12-15% | up to 22% |
| State Farm | $108 | Varies | Varies |
| Nationwide | $119 | 15% | 10% |
| Progressive | $124 | Varies | $146 per year |
| Liberty Mutual | $135 | 10% | Varies |
| Farmers | $137 | Varies | Varies |
| Allstate | $169 | Varies | $100 per year |
Does Geico have a car discount for first responders? Yes, and Geico and USAA offer the cheapest auto insurance for firefighters and first responders.
USAA auto insurance is only available to military members and their immediate family, but Geico auto insurance is available in all 50 states to all residents. Both companies offer occupational and safe driver discounts, but Nationwide offers the biggest auto insurance discount for firefighters.
Despite the competitive discounts, your firefighter auto insurance rates could be lower with another company based on driving record and vehicle type. Compare firefighter auto insurance quotes from multiple companies to find low rates.
Auto Insurance Discounts for Firefighters
Some insurance companies consider firefighters and first responders safe drivers due to their additional emergency training and reward them with occupational discounts between 3% and 10%.
However, occupational discounts aren’t the only way to save on auto insurance for volunteer firefighters. Most major insurers let drivers stack multiple discounts for the most affordable firefighter auto insurance rates.
For example, your auto insurance companymay also offer homeowners and renters insurance. In addition, drivers can bundle their auto and home policies for an additional discount — often up to 12% — and combine it with their occupational discount. Drivers can also stack safe driver discounts with bundling and occupational discounts. Read more about how to save money by bundling auto insurance policies.
Many companies also offer first responder auto insurance discounts. Take a look at the table below to see a list of auto insurance companies and their first responder discount:
First Responder Discounts: Top Savings by Auto Insurance Provider
| Insurance Company | Description |
|---|---|
| AAA | Healthcare workers and first responders can benefit from free roadside assistance provided by AAA, regardless of whether they are AAA members or not. Simply call 1-800-AAA-HELP (1-800-222-4357) and answer a few questions to get assistance. |
| Alfa | Alfa offers occupational discounts to several categories of professionals, including educators, first responders, military personnel, state and federal employees, auto manufacturers' employees, ministers, and farmers. These discounts may vary depending on the occupation. |
| Country Financial | Full-time firefighters, police officers, EMTs, and paramedics may qualify for a 5-10% discount at Country Financial. Eligibility criteria may vary by location. |
| Direct Auto | Active members of partner organizations may be eligible for up to a 5% discount through Direct Auto's Affinity Discount. To find out which organizations qualify, contact a Direct Auto agent at 1-877-GO-DIRECT (1-877-463-4732). |
| Farmers | Certain professionals, including those who are currently employed or retired from an approved occupation, or who are members of approved professional groups, may qualify for a discount at Farmers. |
| Grange Insurance | Grange Insurance offers occupation-based discounts to eligible policyholders, depending on the occupation level of the policyholder or their spouse. |
| Mercury | Mercury offers an association discount to eligible policyholders and their spouses who are members of sponsored groups, such as professional groups for doctors and first responders. |
| National General | Members of specific organizations can benefit from affinity discounts at National General Insurance. |
| The Hartford | Volunteer firefighters, ambulance drivers, and first aid and rescue members can take advantage of The Hartford's Volunteer Firefighter and First Responder Insurance. This coverage provides protection for injuries or illnesses that occur while performing first responder duties. |
| Travelers | Employees and members of participating businesses, groups, associations, and credit unions can enjoy special savings through The Travelers Affinity Car and Home Program. |
| Wawanesa | Wawanesa offers various auto insurance discounts, including an affinity discount for members of the company's affinity groups. Eligible policyholders can benefit from significant savings on their auto insurance premiums. |
Other discounts firefighters and first responders can earn include:
- Paid-in-full discount: Paying your annual rates upfront can save you an average of $85 per year on auto insurance.
- Usage-based discount: Because firefighters are safer drivers, usage-based auto insurance can track your driving habits and save you an additional 5% to 30% off your annual rates.
- Anti-theft discount: You could save 15% to 20% with an anti-theft auto insurance discount by installing additional anti-theft devices.
- Defensive driver discount: You could earn a defensive driver auto insurance discount of 5% to 30% by taking a defensive driving course.
The list of auto insurance discounts for firefighters at major companies will vary, so always ask about which discounts are available to you. Many insurers automatically include discounts in quotes, so confirm that you’re getting every discount you’re eligible for before you buy.
Firefighter Auto Insurance Coverage Requirements
As a firefighter, you’re not responsible for insuring any emergency vehicle you drive for work. However, the level of personal coverage you need depends on the laws in your state and the kind of car you drive.
Firefighters only need to carry minimum liability auto insurance coverage for their personal vehicles but may choose better protection with a full coverage policy.
Since auto insurance for volunteer firefighters comes with many discounts, firefighters can get very cheap full coverage auto insurance quotes. In addition, if you’re a volunteer firefighter and use your personal vehicle for work, you may need business auto insurance.
Firefighters are in the no-fault category while responding to emergencies, but any first responders using personal vehicles for work should get a business policy to cover them while working.
Unfortunately, business car insurance is more expensive. Purchasing an add-on to a personal policy can increase your rates by 10% to 20% with some companies. Shop around online and compare at least three insurance companies to find one with the best auto insurance for firefighters.
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Finding the Best Auto Insurance for Firefighters
Car insurance for first responders is cheaper than average, but you can get even lower auto insurance rates by maintaining a good driving record.
Does your occupation matter for auto insurance premiums🤔? According to https://t.co/27f1xf1ARb, it does! And you could save up to 10% if you're a firefighter 👨🚒. To find the best and cheapest insurance for firefighters🚒, check this out 👉: https://t.co/0AhSzyebwQ pic.twitter.com/hig90RegJx
— AutoInsurance.org (@AutoInsurance) June 15, 2023
On average, firefighters can save 3% to 10% on auto insurance based on their occupation alone.
However, you can stack an additional 10% discount for staying accident-free or bundling auto insurance with a home or renters policy. Firefighters can also earn up to 30% off if they sign up for usage-based auto insurance.
Firefighters aren’t required to insure emergency vehicles but must insure any cars or trucks they drive personally or for work. Volunteer firefighters may need additional business coverage if they use their personal vehicles for work.
Business auto insurance is more expensive, so shop around with multiple local companies to find the most affordable auto insurance for firefighters in your area. Look for insurers that offer car insurance discounts for first responders and safe drivers to get the lowest rates possible.
Frequently Asked Questions
Can firefighters get USAA auto insurance?
Firefighters can get USAA auto insurance if they were in the military or have an immediate family member who was.
Does Travelers offer first responder auto insurance discounts for firefighters?
Firefighters can get an auto insurance discount with Travelers if they’re an employee or member of a participating business, group, association, or credit union. Read more in our Travelers auto insurance review.
Does a firefighter’s auto insurance cover their personal vehicle when they use it for work-related activities?
Personal car insurance for firefighters may not extend to usage for work activities, so it’s important to contact your insurance company for more information. Business auto insurance may be necessary to cover personal vehicles for work.
What factors affect the cost of auto insurance for firefighters?
Firefighter auto insurance rates vary based on several factors, like driving history, vehicle type, location, coverage amounts, age, gender, company, discounts, and more.
Are there insurance companies that specialize in providing coverage for foreigners?
While there may not be insurance companies exclusively specializing in providing coverage for foreigners, many insurance companies are accustomed to dealing with non-citizen applicants. It’s important to research and reach out to different insurance providers to find those that have experience or policies catering to the needs of foreigners.
Will my foreign driving record be taken into account when obtaining auto insurance?
The consideration of a foreign driving record when obtaining auto insurance depends on the insurance company and the country’s regulations. Some insurance providers may take into account a foreign driving record, while others may focus primarily on the driving history within the country where insurance is being sought. It’s advisable to discuss this with insurance providers for specific information.
Can I use my foreign auto insurance in a new country?
Generally, foreign auto insurance is not applicable in a new country. Each country has its own insurance requirements, and it is typically necessary to obtain auto insurance from an insurance provider within the country of residence or where the vehicle is being driven.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.