Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

Full Bio →

Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 6, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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.

Key takeaways...

  • Firefighters need to review their personal insurance portfolio to build custom and reliable insurance policies
  • You must comply with the auto insurance laws in the state where your vehicle is registered or you’ll be fined
  • Make sure that you have insurance to pay for damage to your car while it’s parked at home or at the fire station
  • You may be able to find occupation discounts and favorable ratings because you’re a firefighter
  • If you only commute to and from the station a few days a week, you may pay less because you’ll get a low-risk usage rating

Firefighters risk their lives to save people who are in danger. As soon as there’s a call, a fireman will gear up and put their focus entirely on preserving property and saving the lives of anyone or any pet that is trapped in a car or building.

It’s extremely difficult to become a firefighter and that’s why nearly 70 percent give up their pursuit at some point of the recruiting process. Firefighters are put through medical and psychological testing. While they can also work in offices and other 9-5 jobs, many firefighters work 24-48 hours shifts sleeping at the fire station.

The 30 percent who stick around and succeed in the fire and rescue industry deserve respect and praise. In many cases, they are literally heroes to the people they see doing their jobs. Several auto insurance carriers offer firefighters and other professionals who work in fire and rescue special discounts off of their premiums.

Compare car insurance options today to find the policy that’s right for you.

If you’re shopping for car insurance on your personal vehicle, here’s a guide to help you customize your policy:

How do car insurance premiums for firefighters stack up?

If you were to compare the insurance rates that firefighters pay to the rates of other blue collar and white collar professionals, you’d discover that firemen pay less for coverage than most drivers if they were the same in every way other than occupation.

Your occupation will have an impact on your risk class and firemen are believed to be low-risk drivers along with EMT’s and police officers. In addition, many insurance companies now offer incentives and discounts with their insurance products specifically for firefighters. They sometimes call them a “first responder discount.” Companies like California Casualty operate on the premise that they should give back to heroes sacrificing for their communities.

A lot goes into calculating a driver’s car insurance rates. One driver could pay a lot more to insure their fixer-upper car than another driver who has a luxury model with full coverage. It all depends on the driver’s risk classification and their personal factors.

One risk factor that impacts your rate is your occupation.

Occupation is used as a personal rating factor because what you do for a living can affect your driving behaviors. Unfortunately, some professionals pay high-risk rates just because of what they do.

Others are fortunate to pay low-risk rates because of how their fellow professionals in the field drive.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

How Much Do Firefighters Pay for Auto Insurance?

While firefighters are considered low-risk drivers in many ways, auto insurance premiums are still subject to underwriting scrutiny. Whether you’re a full-time or volunteer firefighter, discounts are calculated after the initial premium is set.

All firemen must complete several hours of driver apparatus training to operate a firetruck, which makes them highly trained drivers on and off the job. Firefighters do have some things going for them in regards to driving skill.

Since fire and rescue professionals hold a specialized commercial driver’s license through the state, they are more experienced drivers than others. They also have to go through more testing to operate large fire trucks.

Ultimately, if a firefighter has several accidents and tickets on their driving history, they’ll still pay more than a firefighter with a clean driving record. A volunteer firefighter with a lot of points on their drivers license may even pay more than a civilian with a clean driving record.

Insurance companies look at other risk factors. Things like a young age may point to inexperience. This is true whether it’s a young firefighter or one with teen drivers in the house. If you have a low credit score, it could also affect your auto insurance policy. Your zip code also goes into the underwriting process with virtually any insurance carrier.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Is A Favorable Occupational Rating Different than A Discount?

Firefighters are placed in a favorable rating class because of the fact that they fight fires, but that’s not necessarily the same thing as receiving discounts. This type of rating is factored into rates, but some states consider it discriminatory.

Sometimes, insurance companies will give certain professionals discounts as a thank you for your public service. This discount can bring your already competitive rates down even more.

Not all insurance companies will offer firefighters and other rescue personnel discounts.

Some carriers require you to be part of a professional association or a union for the discounts and others will just apply the savings once you disclose your career information to your agent.

Here are some carriers that are known to offer these fire responder discounts:

What type of insurance do you need?

As a fire responder, you’ll be covered by the station’s general liability and auto liability policy while you’re responding to a call. It’s your responsibility to buy enough coverage to protect you when you’re driving your personal car.

You might be an expert in accident rescue strategies and extinguishing fires, but that doesn’t make you an expert in car insurance. You respond to the scenes of accidents but you never imagine you yourself being the one behind the wheel.

If you find yourself in the same position as the ones you’re rescuing, you need financial protection that gives you peace of mind. Here are some coverage options to look for:

  • Bodily Injury and Property Damage Liability make sure you carry sufficient third-party coverage to pay for all of the accident-related bills you could be liable for
  • Medical Payments pays for your medical expenses after any type of auto accident
  • Uninsured Motorist pays for your medical bills and loss of income after an accident with an uninsured driver
  • Comprehensivepays for your car repairs after fire, vandalism, flooding, car theft, or other related losses
  • Collision pays for your car repairs after you’re in a collision
  • Rental Car pays for a replacement car while your car is being repaired post-loss

Some drivers choose to stick to minimum liability limits. If you’ve financed your car or just want more protection to cover your losses after an accident, collision, comprehensive, and other coverages can go a long way. Some people just like the convenience of having roadside service, rental car coverage, and other similar add-ons.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Look For Other Discounts

You can stack discounts on an auto policy. The more discounts you can take advantage of the better.

If you’re shopping for low rates, here are offerings you might be able to take advantage of:

  • Multi-car
  • Multi-line
  • Accident-free
  • Good Driver
  • Low-mileage
  • Good Student
  • Mature Driver
  • Alarm
  • Gated Community

Shop Around to Find a Deal

The best way for firefighters to get a good deal on their auto insurance is for them to shop around. If you’re tired of paying too much, use an online comparison tool and shop the rates today.

You’ll get instant quotes in a matter of minutes by shopping online. After you compare the rates, you’ll feel confident in your decision. Enter your zip code below to begin comparing today.