Best Car Insurance Discounts for First Responders in 2026 (Save up to 18% With These Companies)
Farmers, The Hartford, and Liberty Mutual offer the best car insurance discounts for first responders, offering discounts for firefighters, EMTs, and more, with savings up to 18%. First responder discounts are designed to honor the service and risks of the job, with safe-driver perks that reward safe driving.
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Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
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Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 years of experience in the insurance industry. As a researcher, data nerd, writer, and editor, she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance....
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Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
Updated April 2025
The best car insurance discounts for first responders are offered by Farmers, The Hartford, and Liberty Mutual, with savings of up to 18%.
These providers are known for competitive rates and customizable benefits, such as discounts for firefighters, law enforcement, EMTs and other public service workers.
Our Top 10 Company Picks: Best Car Insurance Discounts for First Responders
| Company | Rank | A.M. Best | First Responder Discount | Who Qualifies? |
|---|---|---|---|---|
 | #1 | A | 18% | Police, firefighters, and EMTs |
 | #2 | A+ | 15% | Retired and active first responders |
 | #3 | A | 12% | Active and retired first responders |
 | #4 | A++ | 10% | Military-affiliated first responders |
 | #5 | A++ | 8% | All first responders |
 | #6 | A+ | 7% | EMTs, paramedics, and police |
 | #7 | A++ | 6% | Active police and EMTs |
 | #8 | A++ | 5% | All first responders, including EMTs |
 | #9 | A+ | 5% | Active police officers and firefighters |
 | #10 | A+ | 5% | Full-time first responders |
Along with standard coverage, they offer additional perks such as usage-based and the best safe driver car insurance discounts, ensuring comprehensive protection while helping reduce premiums.
- Farmers, The Hartford, and Liberty Mutual offer top discounts for first responders
- First responders can save up to 18% with tailored benefits like safe-driver perks
- Insurers offers the most competitive rates and extensive perks for first responders
By comparing quotes from these top insurers, first responders can secure both affordable rates and reliable coverage. Use our free comparison tool to check rates for car insurance in your area by entering your ZIP code.
Top Car Insurance Discounts and Rates for First Responders
First responder discounts for the best car insurance varies by providers, but Farmers has the largest first responder discount at 18%. Other companies such as Liberty Mutual and The Hartford provide big savings as well, along with savings up to 30% for safe drivers and usage-based programs.
Top Car Insurance Discounts for First Responder by Provider & Savings
| Company | First Responder | Occupational | Safe Driver | Usage-Based |
|---|---|---|---|---|
| 5% | 15% | 18% | 30% |
| 18% | 11% | 20% | 30% |
| 8% | 10% | 15% | 25% |
| 12% | 9% | 20% | 30% |
| 5% | 7% | 12% | 40% |
| 7% | 8% | 10% | 30% |
| 5% | 12% | 20% | 30% |
| 15% | 5% | 8% | 20% |
| 6% | 5% | 17% | 30% |
| 10% | 10% | 10% | 30% |
These tailored benefits help first responders save on premiums while maintaining strong coverage, including essential types of car insurance coverage like liability and collision.
Tim Bain Licensed Insurance Agent
You need to compare these offers so that you will be able to get the best rates and protection based on your requirement.
First Responder Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $87 | $228 |
| $76 | $198 |
| $43 | $114 |
| $96 | $248 |
| $63 | $164 |
| $56 | $150 |
| $47 | $123 |
| $61 | $161 |
| $53 | $141 |
| $32 | $84 |
Monthly car insurance rates for first responders vary by provider and coverage level. For minimum coverage, USAA offers the lowest rate at $32, while Farmers and the Geico first responder discount help provide competitive prices starting at $76 and $43, respectively.
When it comes to full coverage, Geico comes in at $114, with State Farm next at $123 and Farmers at $198. Comparing these rates among various providers also allows first responders to find the most affordable premiums to cover their needs.
Monthly car insurance rates for first responders vary based on their driving record, with clean records starting as low as $84 with USAA and rising to $228 with Allstate.
Rates increase for those with an accident, DUI, or ticket, with Liberty Mutual reaching $248 for a DUI.
Occupational Discount
An occupational discount, including the law enforcement car Insurance discount, reduces premiums for first responders like law enforcement, firefighters, and EMTs. Insurance companies offer this discount to acknowledge the risks of these jobs and help lower costs for qualifying individuals.
Safe Driver Discount
Safe driver discounts are available for drivers with a clean driving record, allowing them to save when they get car insurance coverage.
To earn this discount, individuals must maintain a history free of car accidents, tickets, or claims for a certain period. It encourages safe driving habits while lowering insurance costs.
Usage-Based Discounts
While use-based discounts encourage low mileage and safe driving styles by tracking habits with a mobile app. The less you drive or the safer you drive, the more you can save on premiums, making it an ideal option for first responders to lower costs while still having solid coverage.
Discounts for safe drivers, low mileage, and their occupation, including the low mileage car insurance discount, further reduce costs, ensuring affordable coverage and peace of mind.
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Other Ways to Save on Insurance for First Responders
First responders can take advantage of several additional ways to save on car insurance premiums. From bundling policies to maintaining a clean driving record, these strategies can help lower costs while ensuring quality coverage. Here are some key tips to maximize your savings.
- Bundle Policies: Insuring your auto and home with the same provider will allow you to qualify for multi-policy discounts, thus making it simpler to discount both.
- Maintain a Clean Driving Record: First responders can be eligible for safe-driver discounts if they have a history of accident-free driving and no violations, which can help lower the overall premiums.
- Safety Features: If the vehicle is equipped with safety features such as anti-theft devices or collision prevention systems, you could be eligible for an additional discount.
- Low Mileage Discount: First responders who drive fewer miles MOFR on their shift schedule or as a result of commuting patterns may also qualify for low-mileage discounts to further drive down costs.
- Loyalty Discount: Customers with an insurance company for many years could possibly get a loyalty discount which essentially rewards them for continuing to do business with them over many years.
Using these savings opportunities, first responders can possibly save money on their insurance premiums while retaining the protection they need..
Taking advantage of the best multi-policy car insurance discounts, safe-driving benefits, and other special offers ensures both financial relief and solid protection.
How First Responders Can Save With Car Insurance Discounts
Farmers, The Hartford, and Liberty Mutual offer some of the best car insurance discounts for first responders’ family members, with savings of up to 18%. These insurers provide specialized benefits for firefighters, law enforcement, and EMTs, along with additional discounts for safe driving and low mileage.
By comparing quotes from these top companies, first responders can secure optimal comprehensive coverage at a competitive price.
Take advantage of the best car insurance discounts for first responders by entering your ZIP code in our free comparison tool to see the company with the lowest rates.
Frequently Asked Questions
Is auto insurance for first responders more expensive than for other drivers?
Auto insurance rates for first responders may be lower due to their lower risk profiles and specialized discounts. However, rates can vary based on factors like driving history, location, and coverage level.
Do all insurance companies offer car insurance discounts for firefighters?
Not all insurers offer firefighter-specific discounts, but many do. It’s important to check with your provider to see if they offer such discounts and what documentation is needed.
Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool to find the best policy for you.
Do auto insurance discounts for first responders apply to all types of coverage?
Yes, auto insurance discounts for first responders generally apply at least to a number of coverages, such as liability insurance, collision, and comprehensive. These discounts allow you to keep your premium amounts low while still retaining sufficient coverage.
How can law enforcement officers qualify for the auto insurance discount?
Usually, law enforcement officers must provide proof of employment (badge or official identification) to qualify for the auto insurance policy discount. Requirements may differ by insurance company, so you should consult your provider.
Do I need special documentation to get an insurance quote for first responders?
Yes, you might have to submit evidence of your job, like an ID badge or employment verification letter. So you qualify for the first responder discount.
How much can I save with Progressive’s first responder discount?
You can save up to 10% with Progressive’s first responder discount. Savings vary by state and circumstances, but Progressive car insurance discounts provide competitive savings for first responders based on driving history, coverage level, and vehicle type.
How do safe-driver discounts affect the cheapest car insurance for first responders?
Safe-driver discounts can significantly lower car insurance premiums for first responders. A clean driving record increases your chances of qualifying for these discounts and ensures you can benefit from lower-rate premiums for approximately the same level of coverage.
Do first responder insurance discounts apply to all car insurance providers?
Not all car insurance providers offer first responder discounts. However, many of the biggest insurers offer such discounts, including Farmers, The Hartford and Liberty Mutual. It’s important to shop around to make sure you’re receiving the best offer for your circumstances.
Do any car insurance companies offer first responder discounts?
Yes, many car insurance companies, including Farmers, Liberty Mutual, and The Hartford, offer discounts for first responders like firefighters, law enforcement, and EMTs, including a firefighter car insurance discount for added savings.
Are there any government-sponsored insurance options for first responders?
Yes, some government programs provide health insurance or life insurance options specifically for first responders. Check with your employer or local government to see if you’re eligible for any state-sponsored plans or benefits.
Do all insurance companies offer EMT car insurance discounts?
Can I combine the State Farm first responder discount with other discounts?
Do first responders get discounts on car insurance?
Can I get a car insurance quote first responder discount if I have a poor driving record?
Is the Allstate first responder discount available nationwide?
Does my driving record affect my firefighter car insurance discount?
What car insurance gives first responder discounts for bundling policies?
Can USAA first responder discounts apply if I have a poor driving record?
Is the best car insurance for first responders more expensive than regular insurance?
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