Best Auto Insurance for Firefighters (Our Top 9 Picks for 2026)

California Casualty has the best auto insurance for firefighters with exclusive perks and benefits. It specializes in unique policies and savings for first responders.

 

Average firefighter auto insurance rates are $175/mo for full coverage. Get even lower rates with occupational and safe driving discounts. Many companies award firefighters with first responder auto insurance discounts. 

Our Top 9 Company Picks: Best Auto Insurance for Firefighters

You’ll get the best auto insurance for firefighters from California Casualty, AAA, and The Hartford. Farmers and Liberty Mutual have the biggest occupational discounts for firefighters.

Volunteer and career firefighters and members of the International Association of Firefighters (IAFF) can save up to 18%. Compare firefighter auto insurance quotes from multiple companies for the right policy at the lowest price.

#1 – California Casualty: Top Pick Overall

Pros:

• Policy perks: Identity theft protection and pet coverage included with all auto policies. Expore more policy options in our California Casualty auto insurance review.
• Additional coverage: Personal property and custom furnishings automatically included
• Fallen hero benefits: Help cover insurance premiums if a firefighter dies in the line of duty
• Diminishing deductibles: If your vehicle is damaged within 500 feet of a fire station

Cons:

• Not in every state: Coverage only available in seven states: AK, CA, CO, ID, KS, OR, WY
• No roadside assistance: This coverage is commonly available with other providers

#2 – AAA: Biggest Savings for Firefighters

Pros:

• Free roadside assistance: First responders automatically receive roadside assistance without a AAA membership
• Discounts without a membership: Firefighters receive 10% off at AAA care centers without a membership
• More discounts with a membership: Access to exclusive discounts for AAA members
• Variety of auto policies: Including rideshare insurance and original parts coverage

Cons:

• Membership required: Not for roadside assistance but to buy AAA auto insurance. Learn about membership fees and requirements in our AAA insurance review.
• Not in every state: Auto insurance availability varies by state

#3 – The Hartford: Best Insurance Policies

Pros:

• Exclusive discounts: Additional discounts for retired firefighters
• Policy benefits: Firefighter and first responder policies provide death benefits, medical coverage, and more
• High customer satisfaction: Provider with the highest customer satisfaction overall in the Northwest region. Get more rankings in our review of The Hartford auto insurance.

Cons:

• Not available to everyone: Limited availability for non-IAFF members.
• Expensive: Higher-than-average rates if you have speeding tickets

#4 – Farmers: Best Discounts for Firefighters

Pros:

• Discounts: More car insurance discounts than any other company
• Biggest occupational savings: Firefighters can save up to 18% with occupational discounts
• High customer satisfaction: Fewer complaints than other companies

Cons:

• Not in every state: Coverage not available in AK, DC, DE, FL, HI, NH, ME, RI, WV, or VT. (Use our Farmers insurance review to find local coverage.)
• Expensive: Higher monthly rates than some of its competitors

#5 – Liberty Mutual: Most Customizable Coverage

Pros:

• National coverage: Available in all 50 states
• Big occupational discounts: Firefighters save 12%
• Customizable policies: Widest variety of options, including better car replacement and lifetime repairs. Compare policy options in our Liberty Mutual review.

Cons:

• Expensive: More expensive rates than other companies
• Poor customer ratings: Low customer claims satisfaction

#6 – Country Financial: Best for Customer Service

Pros:

• High customer satisfaction: Fewer complaints than other companies
• Unique policy options: Coverage for trip interruption and personal items
• Sizeable occupational discount: Firefighters can save up to 10% on auto insurance premiums

Cons:

• Not in every state: Coverage only available in 19 states. Find local coverage in our Country Financial company review.
• No gap coverage: Does not offer gap insurance for auto loans

#7 – Geico: Lowest Rates for Firefighters

Pros:

• Affordable rates: Cheapest average insurance rates for good drivers
• Fair occupational discount: Firefighters save up to 8% on annual rates (See more discounts: Geico Auto Insurance Discounts)
• National coverage: Available in all 50 states

Cons:

• Federal employee discount limited: Not available to volunteer or municipal firefighters
• Expensive for high-risk drivers: Raises rates for tickets or accidents higher than with other companies

#8 – USAA: Best for Firefighters in the Military

Pros:

• National coverage: Available in all 50 states
• Affordable rates: Cheapest auto insurance rates when compared to other companies. Compare quotes in our USAA insurance review.
• Customer loyalty: Has fewer complaints and higher claims satisfaction than its competitors

Cons:

• Limited availability: Only available to active military members and veterans
• No gap coverage: Does not offer gap insurance for auto loans

#9 – Mercury: Best for Firefighter Spouses

Pros:

• Discount extends to spouses: Firefighters and their spouses save up to 8% on car insurance. Explore more of Mercury’s discount options in our Mercury auto insurance review.
• Variety of coverage options: Mechanical breakdown and rideshare insurance available
• Affordable rates for young drivers: Firefighters in their 20s can get competitive rates with good driving

Cons:

• Not in every state: Only available in AZ, CA, FL, GA, IL, NV, NJ, NY, OK, TX, VA
• Low customer satisfaction: Ranks in the bottom three in J.D. Power shopping and claims satisfaction surveys

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 need to carry minimum liability insurance 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.

Business car insurance is more expensive, and purchasing an add-on to a personal policy can increase your rates by 10% to 20% with some companies. Fortunately, California Casualty and The Hartford offer affordable auto insurance for firefighters designed to cover the unique uses of their personal vehicles.

Learn More: When do you need business auto insurance?

Comparing Firefighter Auto Insurance Rates

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.

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:

Monthly Auto Insurance Rates for Firefighters

Does Geico have a car discount for first responders? Yes, Geico offers a discount to federal firefighters, but Farmers offers the biggest auto insurance discounts to all volunteer and career firefighters. USAA has the cheapest auto insurance for firefighters and first responders but coverage is only available to military members and their immediate families.

Read More:

• USAA Auto Insurance Review
• Geico Auto Insurance Review
• Farmers Auto Insurance Review
• Liberty Mutual Auto Insurance Review
• Mercury Auto Insurance Review
• Country Financial Auto Insurance Review
• California Casualty Auto Insurance Review
• AAA Auto Insurance Review
• The Hartford Auto Insurance Review

Best 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 or affinity discounts. (Read More: Best Auto Insurance for First Responders)

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. 

Other discounts firefighters and first responders can earn include:

• Anti-theft discount: You could save 15% to 20% by installing additional anti-theft devices.
• Defensive driver discount: You could earn 5% to 30% off your rates by taking a defensive driving course.
• Usage-based auto insurance: Tracks your driving habits and saves you an additional 5% to 30% off your annual rates.
• Paid-in-full discount: Paying your annual rates upfront can save you $85 per year on average.

 

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.

Finding the Best Auto Insurance for Firefighters

California Casualty and The Hartford are the best auto insurance companies for firefighters because of their unique policies and coverage options that cater to first responders.

AAA, Farmers, and Liberty Mutual offer bigger discounts to help lower rates and reduce repair costs for firefighters who have been in an accident.

On average, firefighters can save 3% to 18% on auto insurance based on their occupation alone. 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 may need additional business coverage if they use their personal vehicles for work and don’t have a policy with California Casualty or The Hartford. 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.

Enter your ZIP code above to find local insurers that offer car insurance discounts for first responders and safe drivers to get the lowest rates possible.