How much is car insurance for firefighters?
Overall, car insurance for firefighters is 7% below the national average. How much less you’ll pay, though, will depend on factors like your location, age, and the company you choose.
"What the insurance company is doing is, they have tons and tons of data. They look at the pool of data they have on firefighters...are a safer group to write than the general public, and they offer some discount," says Josiah Hatch, owner of Bender Hatch Insurance in Boston, Mass.
The table below shows the average rates for firefighters at several major insurance companies and how it compares to rates for the general public.
| Company | Average base rate | Average rate for firefighters | Price difference ($) | Price difference (%) |
|---|---|---|---|---|
| AAA | $2,455 | $2,382 | $73 | 2.97% |
| Geico | $1,757 | $1,586 | $171 | 9.73% |
| Country Financial | $1,645 | $1,555 | $90 | 5.47% |
| Grange Mutual | $1,154 | $1,046 | $108 | 9.36% |
| Mercury Insurance | $2,276 | $2,166 | $110 | 4.83% |
| Progressive | $2,446 | $2,032 | $414 | 16.93% |
| State Auto | $4,277 | $4,143 | $134 | 3.13% |
The rate you’ll eventually pay will depend on the type of insurance you get and any riders you add to your policy. Progressive stands out from the other companies with discount car insurance rates for firefighters nearly 17% lower than the average base rate. However, since Progressive rates start higher than other companies like Grange Mutual, Geico, and Country Financial, it might not be the cheapest despite the discount.
Car insurance discounts for firefighters
Unlike most professions, firefighters have a unique insurance program to help them get lower rates. A firefighter in California founded Firefighter Insurance Services and works with numerous major insurance companies to help firefighters get the best possible insurance rates.
The extensive list of companies they work with includes well-known providers like The Hartford, Travelers, Safeco, and Mercury Insurance. Licensed in all 50 states, FIS works with firefighters around the country.
The company offers a wide variety of personal and business insurance for firefighters. That includes home and auto insurance, business, earthquake and even personal watercraft insurance.
California Casualty offers a unique program for firefighters. The company offers the Fallen Hero/Fallen Officer Survivor Benefit for free to firefighters and police officers. This benefit covers your family if you die in the line of duty. California Casualty is the only company that offers a benefit like this.
What is the cheapest car insurance for firefighters?
You’ll find the best deal when you compare car insurance rates for firefighters from multiple companies. Don’t forget to ask about other discounts, including:
Your rates and options will differ based on your location, the type of coverage you choose, and factors specific to you, like your driving record.
Methodology
Insurance.com commissioned rates from Quadrant Data Services in 2022 for a 40-year-old driver with a clean record and good credit, with full coverage. Base rates were compared to rates for firefighters from the same companies.
