Best First Responder Auto Insurance Discounts in 2024 (Save up to 15% With These 10 Companies)
AAA, Alfa, and Country Financial have the best first responder auto insurance discounts, with savings up to 15%. Firefighters, EMTs, and law enforcement personnel may qualify for a first responder car insurance discount. First responders can also get lower rates by taking advantage of other discounts.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 17, 2024
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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: Sep 17, 2024
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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Finding the best first responder auto insurance discounts is usually easy since many companies want to extend appreciation to law enforcement, firefighters, EMTs, and paramedics.
However, not all insurers offer discounts, and savings amounts vary. In addition, an insurer may not be the best choice just because they provide a first responder discount.
Finding the best auto insurance for first responders requires comparing quotes and discount options from multiple companies. It also helps if you’re willing to sign up for a usage-based insurance program.
First Responder Discounts: Top Savings by Auto Insurance Provider
| Company | Rank | Savings Potential | A.M. Best | Who Qualifies? |
|---|---|---|---|---|
 | #1 | 15% | A | Health care workers and first responders |
 | #2 | 12% | A | Educators, first responders, military |
 | #3 | 10% | A+ | Full-time firefighters, police officers, EMTs |
 | #4 | 10% | A+ | Active members of partner organizations |
 | #5 | 8% | A | Professionals or members of approved groups, |
 | #6 | 8% | A | Occupation-based discounts |
 | #7 | 7% | A | Members of sponsored groups |
 | #8 | 6% | A+ | Affinity discounts available for members |
 | #9 | 5% | A+ | Volunteer firefighters, ambulance drivers |
 | #10 | 5% | A++ | Members of participating groups, associations |
Keep reading to learn more about first responder auto insurance discounts and how to get the best deal. Then, enter your ZIP code into our free comparison tool above to find the best rates in your area.
- Several companies offer auto insurance first responder discounts of up to 25%
- First responder auto discounts vary by company and state
- First responders include firefighters, law enforcement, EMTs, and paramedics
How to Qualify for a First Responder Discount on Auto Insurance
Wondering how to get auto insurance with a first responder discount? The process is simple. First, you’ll need to work as a first responder. Then, you’ll need to provide proof to your insurance provider.
First responder car insurance discounts are available to anyone who arrives first in emergency situations to provide aid. While every company has its own eligibility criteria, first responder insurance discounts are usually available for the following:
- Firefighters
- Law Enforcement
- EMTs
- Paramedics
Some companies offer the best car insurance for first responders to search and rescue workers and correctional officers, but you’d have to check with your preferred provider. The good news is that you’ll probably see low rates, regardless of your line of work. Check below to see how much you might pay for your insurance.
First Responder Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $85 | $140 |
 | $75 | $135 |
 | $80 | $145 |
 | $70 | $120 |
 | $90 | $160 |
 | $85 | $150 |
 | $78 | $140 |
 | $83 | $138 |
 | $72 | $125 |
| $77 | $130 |
If you’re eligible for car insurance with first responder discounts, you’ll need to provide proof to your provider. Sometimes, you can enter your job information when you initially get a quote.
Even if that’s the case, you’ll still need to prove you work as a first responder in order to get a discount. Most providers will accept a copy of your most recent pay stub. However, a representative from your chosen provider will have more information.
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Best Companies With First Responder Discounts
Looking for car insurance companies that give law enforcement discounts? How about saving for EMTs? We’ve gathered the best auto insurance companies for first responder discounts below, but first, you should understand how to look for the best quotes.
There is no one-size-fits-all auto insurance company for first responders. Although some insurers offer a first responder discount, that doesn't necessarily mean that's the best deal.Chris Abrams Licensed Insurance Agent
There are numerous factors that affect auto insurance rates, such as age, driving record, vehicle, and credit score. In addition, each insurance company weighs these factors differently. So, a company may have higher rates, even if they offer a discount for first responders.
However, it’s always a good idea to look at what car companies offer first responders discounts when you’re shopping for coverage. Here are our top companies for the best first responder discounts:
- AAA: Known for its roadside assistance, AAA offers insurance for first responders with a discount of 15%. Explore your coverage options in our AAA auto insurance review.
- Alfa: Although it’s only available in three states, Alfa offers one of the best deals for first responders with a 12% discount.
- Country Financial: Country Financial offers a discount of up to 10% to first responders. It’s also known for its affordable prices — see how much you might pay in our Country Financial auto insurance review.
- Direct Auto: With a 10% discount, Direct Auto is a great choice for first responders who need high-risk auto insurance. Learn more in our Direct Auto auto insurance review.
- Farmers: Farmers offers first responders a respectable 8% discount. See other ways to save in our Farmers auto insurance review.
Keep in mind that it may be more challenging to find auto insurance discounts for retired first responders. While some insurers offer savings for current first responders, most don’t offer the discount if you’re retired.
Auto Insurance With First Responder Discount Rates
By taking advantage of discounts, you can get the best insurance for first responders at an affordable price. The specific work you do as a first responder might affect the best place to get your coverage. For example, the best auto insurance for firefighters comes from California Casualty and AAA, while Geico and State Farm have the best auto insurance discounts for police officers.
Of course, the rates you actually see depend on a variety of factors, including where you live and what kind of car you drive. Two of the most important factors are your age and gender. Perhaps the factor with the largest impact on your insurance quotes for first responders is your driving record. Drivers without accidents or traffic violations tend to pay much less for their coverage, as you can see below.
First Responder Full Coverage Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $140 | $160 | $175 | $210 |
| $135 | $155 | $170 | $205 |
| $145 | $165 | $180 | $215 |
| $120 | $150 | $160 | $200 |
| $160 | $180 | $195 | $230 |
| $150 | $170 | $185 | $220 |
| $140 | $160 | $175 | $210 |
| $138 | $158 | $173 | $208 |
| $125 | $145 | $160 | $195 |
| $130 | $150 | $165 | $200 |
If you have multiple accidents, speeding tickets, or a DUI, you’ll pay much more for insurance, even at places that give first responder discounts. Finding cheap coverage can be hard in this situation, but shopping at the best auto insurance companies for high-risk drivers will help.
Other Ways First Responders Can Save on Auto Insurance
From first responder vehicle discounts to auto insurance discounts most people qualify for, there are plenty of ways for first responders to save on their insurance. For starters, here’s a list of popular discounts you may qualify for:
- Vehicle Discounts: Most companies offer discounts for the type of car you drive. From buying a new car to having certain safety features, your car can help you save.
- Driver Discounts: Certain driving behaviors can save you money. Most providers offer discounts for being a safe driver, enrolling in a UBI program, and staying claims-free.
- Policy Discounts: Save on your insurance for simple things, like signing up for paperless billing or bundling policies.
First responders may find special discounts through affiliation discounts. However, affiliation discount availability varies widely, so make sure to check with a representative first.
Other ways to save beyond figuring out who gives first responder discounts include lowering your coverage and raising your deductible. However, the most important way to find cheap auto insurance for first responders is to compare quotes from multiple companies.
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Other Perks Available for First Responders
In addition to auto insurance, many other businesses show their appreciation for first responders by offering discounts and other special perks. In fact, it can be hard to keep track of how many ways there are to save, as these Reddit users discuss.
Aside from the perks listed by these Reddit users, there are plenty of additional savings to check out. From car rental discounts for first responders to savings on car repairs, many companies are happy to say thanks to first responders.
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
When you’re a first responder, there are plenty of discounts to take advantage of. In fact, simply asking for a discount wherever you’re shopping can often lead to savings.
Vehicle Buying Discounts
Most car manufacturers offer first responder discounts on purchases or leases. However, the discount amount and qualifications vary by maker.
For example, General Motors offers a $500 cash allowance on select Chevrolet, GMC, and Buick vehicles and a $1000 cash allowance for some Cadillac models.
Since discounts vary by the car maker and the dealer, first responders can shop around to see which dealers offer the most savings.
Rental Car Discounts
Many rental car companies offer first responder discounts, but specific requirements may exist. For example, Alamo offers discounts for federal first responders, and Hertz only offers discounts to certain unions.
Before renting a vehicle, shop around to find discounts for first responders that work for you. In addition, you may get rental car discounts based on your insurance company or credit card.
Auto Repair Discounts
Being a first responder may save you money if your car needs repairs. Many businesses offer first responder discount auto repair. However, these discounts and savings amounts vary by store.
For example, stores like Pep Boys may offer a discount to first responders, but there are no Advance Auto Parts discounts for first responders. In addition, some car dealers, such as BMW and Mercedes, offer first responder discounts on service.Alexandra Arcand Insurance and Finance Writer
Aside from vehicle-related discounts, first responders have access to tons of other savings. From deals at restaurants to free admission to parks on appreciation days, you may be surprised by what you can save.
Find the Best First Responder Auto Insurance Discounts Today
First responders include firefighters, law enforcement, EMTs, and paramedics. Some auto insurance companies, such as AAA, Alfa, and Country Financial, offer auto first responder discounts on insurance. However, the amount of the discount varies by company, and not all companies provide savings.
Comparing quotes from the best auto insurance companies is the most important step to take when you need affordable coverage. To find rates in your area, enter your ZIP code into our free comparison tool today.
Frequently Asked Questions
What is a first responder auto insurance discount?
A first responder auto insurance discount is a special discount offered by insurance companies to individuals who work as first responders, such as police officers, firefighters, and paramedics. It is a way to recognize their service and dedication by providing them with reduced insurance premiums.
Which first responders are eligible for this discount?
Eligibility for the first responder auto insurance discount may vary between insurance companies. Generally, it includes professionals working in law enforcement, firefighting, emergency medical services (EMS), and other related fields. However, it is recommended to check with individual insurance providers to confirm eligibility criteria.
You should also compare rates with multiple companies, even if they don’t offer a discount specifically for first responders. For example, if you work for the government, you may find the cheapest rates at companies with the best auto insurance for federal employees.
How can I qualify for a first responder auto insurance discount?
To qualify for a first responder auto insurance discount, you typically need to provide proof of your occupation as a first responder. This may involve submitting documentation such as a badge, employment verification letter, or other relevant proof as required by your insurance company.
How much of a discount can I expect to receive?
The amount of discount offered may vary depending on the insurance company and the specific policy you choose. Generally, first responder auto insurance discounts can range from 5% to 20% off the regular premiums. This discrepancy is why it’s important to get multiple auto insurance quotes before you sign up for a policy.
Can I combine a first responder auto insurance discount with other discounts?
Insurance companies may have different policies regarding combining discounts. While some companies may allow you to combine the first responder discount with other applicable discounts, others may have restrictions. It’s best to check with your insurance provider to understand their specific policies.
Is the first responder auto insurance discount available in all states?
The availability of the first responder auto insurance discount may vary by state and insurance provider. Some states may have regulations that require insurance companies to offer discounts to first responders, while others may not have such requirements. It’s advisable to inquire with insurance companies operating in your state to determine if this discount is available.
Should first responders sign up for usage-based insurance?
If you’re a safe driver, finding the best usage-based insurance can help you save up to 40%, depending on the company you shop at. However, only drivers who regularly practice safe habits behind the wheel will earn a discount.
What other perks do first responders get?
First responders get access to a variety of perks, like discounts at restaurants, travel deals, and savings on new tech.
What types of insurance should a first responder get?
How much insurance you need depends on your lifestyle. Some drivers are good with a minimum insurance plan, while others need full coverage. Many first responders choose to add a roadside assistance plan to their policies, too.
How much does first responder auto insurance cost?
While rates vary, the average first responder pays $79 per month for minimum insurance and $138 for full coverage. Enter your ZIP code into our free comparison tool to see how much you might pay.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed 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.