Best Auto Insurance for Emergency Service Workers (EMS) in 2024 (Top 10 Companies Ranked)

Geico, USAA, and Progressive have the best auto insurance for emergency service workers because they offer excellent discounts, ample options to customize your policy, and affordable rates.

Like most other drivers, EMS workers usually benefit from purchasing more than the minimum car insurance requirement in their state. Many EMS workers chose to add emergency roadside assistance to their policies.

Our Top 10 Company Picks: Best Auto Insurance for Emergency Service Workers

Finding cheap auto insurance as a paramedic, EMS worker, or other first responder requires the same steps as any other profession. Enter your ZIP code above to get started on finding the best car insurance for emergency service workers.

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#1 – Geico: Top Pick Overall

Pros

• Federal discount: Geico offers a discount for federal and government employees, which often applies to car insurance for paramedics and other EMS workers. See other discounts Geico offers in our Geico car insurance review.
• Unique coverage options: Geico offers plenty of ways to customize your policy when you’re looking for emergency services car insurance, like mechanical breakdown coverage and rideshare insurance.
• Affordable rates: When you’re looking for cheap emergency car insurance, Geico might be your best bet. Geico is usually one of the cheapest insurance providers in the U.S.

Cons

• High-risk drivers pay more: Although Geico is typically an affordable option, you’ll pay much higher rates for paramedic car insurance if you have at-fault accidents, speeding tickets, or a DUI on your record.
• Mixed reviews: Geico’s customer reviews tend to be a mixed bag. Many policyholders report overall satisfaction, while others say they aren’t impressed with Geico’s claims resolution.

#2 – USAA: Best for Military Members

Pros

• Excellent customer service: USAA consistently receives top marks for its customer service and claims resolution.
• Lowest rates: No matter where you live or what type of driver you are, USAA likely has the cheapest car insurance rates.
• Military-specific discounts: On top of common discounts like bundling and safe driving, USAA has military-specific savings.
• Financial services: USAA is a one-stop shop for financial services. Besides insurance, USAA also offers banking, retirement, and loan services. More information is available about this provider in our USAA auto insurance review.

Cons

• Membership required: Only active and retired military members and their direct families are eligible for USAA membership.
• Limited coverage options: While USAA offers a decent number of auto insurance add-ons, it lacks a few popular choices like gap insurance.

#3 – Progressive: Best for EMS Workers on a Budget

Pros

• Low rates: Generally speaking, Progressive is one of the cheapest options for coverage in the country.
• Name Your Price tool: Insert your monthly insurance budget into Progressive’s Name Your Price tool, and you’ll get a list of coverage options that match.
• Excellent online tools: Progressive focuses on its online experience, making it easy for customers to sign up for insurance, manage their policies, and start claims without speaking with a representative.
• Deductible Savings Bank: Earn $50 towards your deductible for every policy period you go without a claim by signing up for this Progressive program.

Cons

• Claims satisfaction: Despite efforts to improve its reputation, Progressive still struggles with low customer loyalty due to its claims handling. Our complete Progressive review goes over this in more detail.
• Some drivers see higher rates: If you have an at-fault accident on your record, you’ll probably find cheaper coverage elsewhere.

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#4 – State Farm: Best for Personalized Service

Pros

• Discount availability: State Farm offers 13 car insurance discounts to help drivers save. Popular options for EMS workers are safe driving and good student discounts.
• Local agents: With one of the largest networks of local representatives, finding face-to-face help with your State Farm policy is easy.
• Affordable rates: Many drivers find that State Farm is one of the cheapest options for coverage in their area. See how State Farm rates compare to other providers in our State Farm auto insurance review.
• Roadside assistance: State Farm offers an affordable roadside assistance plan you can add to your policy, with most drivers paying about $30 per year.

Cons

• Limited online options: While you can get a State Farm quote online, you’ll need to speak directly to a representative to purchase a policy.
• Coverage options lacking: Although it offers plenty of add-ons, State Farm also lacks a few popular options like gap insurance.

#5 – Allstate: Best for Usage-Based Insurance

Pros

• Drivewise: Drivers who regularly practice safe habits on the road can save up to 40% by signing up for Allstate’s usage-based car insurance program, Drivewise.
• Extensive network of agents: Allstate depends on local agents to sell policies and provide customer service. If you prefer a human touch to your insurance, Allstate might be right for you.
• Safety discounts: Not interested in a telematics program tracking you? Allstate has other safe driving discounts to help you save. See more discount options in our review of Allstate auto insurance.
• Claims guarantee: Allstate guarantees you’ll be satisfied with any claim it resolves, or it will credit your account for future monthly premiums.

Cons

• High rates: Allstate offers excellent coverage options, but you’ll have to pay. Allstate consistently ranks as one of the most expensive options for insurance throughout the country.
• Mixed reviews: Although Allstate has plenty of loyal customers, it also has a substantial number of policyholders who report unsatisfactory experiences with the company.

#6 – Farmers Insurance: Best for Discount Options

Pros

• Discount selection: With 23 discounts available, Farmers makes it easy to save on your car insurance.
• Signal app: Save up to 15% on your insurance by enrolling in Famers’ Signal app, which tracks your driving habits. See if the Signal app can help you save in our Farmers auto insurance review.
• Coverage options: Farmers makes it easy to customize your policy to suit your needs with add-on options like roadside assistance, customized equipment coverage, and personal umbrella insurance.

Cons

• Higher rates: Despite offering so many discounts, Farmers is rarely the cheapest option on the market. If you’re looking for the cheapest possible coverage, you’ll have better luck with another company.
• No coverage in Florida: Farmers announced in 2023 that it would no longer write new policies in the Sunshine State. However, it will continue to manage existing Florida policies.

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#7 – Liberty Mutual: Best for First Responder Discounts

Pros

• Coverage options: Liberty Mutual offers an excellent selection of add-ons, including OEM parts and better car replacement coverage.
• Ample discounts: Liberty Mutual offers an impressive 17 discounts to help you save, including savings specifically for first responders. See a detailed list of discounts in our Liberty Mutual auto insurance review.
• 24/7 claims assistance: Whether you prefer starting a claim online or by phone, Liberty Mutual representatives are available to help day or night.

Cons

• Higher rates: Liberty Mutual is rarely the cheapest option for insurance and can be much higher for people with bad credit scores.
• Limited agents: With a focus on online policy quotes and management, it can be hard to find a Liberty Mutual representative in your area if you need help.

#8 – Nationwide: Best for Deductible Savings

Pros

• Vanishing deductible: Sign up for Nationwide’s Vanishing Deductible program and have your deductible reduced by $100 for every year you spend claims-free, up to $500.
• Bundling options: Nationwide offers several types of insurance, including life, home, and renters. Buying multiple Nationwide policies may earn you a bundling discount. Explore more discount options in our Nationwide auto insurance review.
• Loyalty perks: The longer you remain a Nationwide customer, the more bonuses you’ll get. Nationwide offers loyalty perks like minor accident forgiveness and car key replacement.

Cons

• Limited online tools: While Nationwide has an extensive network of local agents, it lacks some of the online tools that many of its larger competitors offer.
• Limited coverage: Despite its name, Nationwide only sells car insurance in 47 states.

#9 – Travelers: Best for Specialized Coverage

Pros

• Unique coverage options: Aside from standard coverage, Travelers also offers options that are harder to find, like gap insurance and new car replacement coverage.
• Fewer than average complaints: Compared to similarly-sized companies, Travelers receives fewer complaints than expected. For more information about ratings, read our Travelers company review.
• Ample discounts: Travelers offers plenty of discounts to help drivers save, especially if you maintain a clean driving record.

Cons

• Low customer satisfaction: Despite receiving fewer complaints, Travelers customers report lower-than-average satisfaction.
• Average rates: While Travelers isn’t the most expensive insurance option, it’s also not the cheapest.

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#10 – Ameriprise: Best for Roadside Assistance Plans

Pros

• Roadside assistance: EMS workers understand better than most that things often go wrong on the road. Ameriprise offers one of the best roadside assistance plans in case you need help with a flat tire, dead battery, or other emergencies.
• Customizable coverage: Ameriprise offers plenty of ways to customize your policy to fit your needs, including gap insurance, rental reimbursement, and accident forgiveness.
• Attentive customer service: With a reputation for attentive customer service, Ameriprise promises a satisfying insurance experience.
• Discount opportunities: Ameriprise offers several discounts to help drivers save, including savings for being a safe driver and being a good student. For a full list, check out our list of Ameriprise auto insurance discounts for members.

Cons

• Limited availability: Ameriprise sells car insurance in just 44 states and Washington, D.C.
• Higher rates for some drivers: Young drivers and people looking for high-risk auto insurance will likely find cheaper rates with a different company.

Auto Insurance for EMS Workers

If you are an emergency service worker, you have to consider the kind of coverage you want. In addition to state minimums, you should look at getting coverage in a few other areas.

You want to get enough coverage to avoid paying more than the deductible out-of-pocket. Otherwise, you run the risk of having to pay for windshield repairs, flood damage, and all sorts of other things with your own money.

These out-of-pocket costs are an easy way to bankrupt you because repairs are often very expensive.

Coverage types to consider include:

• Increasing liability insurance for bodily injury
• Increasing liability insurance for property damage
• Personal injury protection (PIP) insurance
• Collision insurance
• Comprehensive insurance
• Uninsured/underinsured motorist insurance

Increasing the liability above state minimums makes a lot of sense. You want the insurance company to pay for all of the costs so that nothing is left for you to pay out of pocket.

When you’re an emergency service worker, you have to think of your hours and how tired you are coming home from a shift. If you’re going to work when it’s still dark out, visibility could be limited.

Further, if you have just worked 18 hours or longer, you might be exhausted, and therefore, your reaction times won’t be as strong. You might be tempted to speed in an effort to get home faster.

All of these possibilities could impact how you drive – and could increase the likelihood of being involved in an accident. Whether the accident is with a car or a stationary object, more coverage will provide you with the needed financial protection.

Auto Insurance Rates for Emergency Service Workers

Car insurance for EMS workers tends to match the national average. Generally speaking, EMS car insurance is neither more expensive nor noticeably cheaper than any other profession.

Read More: Best Auto Insurance for First Responders

Check below to see how much you might pay from the best EMS auto insurance companies.

Emergency Service Workers: Monthly Full Coverage Auto Insurance Rates

As you can see, most companies offer affordable rates for EMS workers. However, you might find that your rates are higher. Many factors affect how your insurance rates are calculated, including your driving record, ZIP code, and age.

If finding the cheapest insurance rates is the key to getting the best auto insurance for emergency service workers, you should consider minimum insurance. Check below for minimum insurance rates from our top companies.

As you can see, minimum insurance rates can be much cheaper than full coverage. However, minimum insurance leaves you without protection for your vehicle. If you have a new or valuable car, you should consider full coverage instead of minimum insurance.

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Auto Insurance Discounts for Emergency Service Workers

Many insurance companies offer discounts to emergency service workers. While not all insurance companies offer such discounts, it’s certainly worth looking into.

You will likely have to provide some kind of proof of employment such as a copy of a paystub, a letter from HR, or a copy of your ID badge. Whatever it is, the insurance company will apply the discount once you have proven that you are, in fact, an emergency service worker.

Other discounts that you could qualify for to lower the cost of paramedic auto insurance include:

• Multi-car
• Multi-policy
• Safe driver
• Good student

Many people become a paramedic and then decide to go into another medical field, such as going to med school and becoming a doctor. This means that if you’re working as a paramedic while going to school, a good student discount could easily apply.

Read More: Best Auto Insurance for Good Drivers

Any time you can get a discount is a good thing. You will be able to check off what you qualify for when getting quotes online.

Additionally, once you choose the company you wish to go with, you can call them to find out if they offer any other discounts that you might qualify for.

Read more: How to Get a Doctor Auto Insurance Discount

Compare Emergency Service Worker Auto Insurance Quotes to Save

When you’re looking for car insurance as an emergency service worker, the first thing you want to do is determine the kind of coverage you actually want to get. From there, you can request quotes online.

Getting quotes online will make it easier to learn about the different insurance companies and what their costs are. Comparisons are then made to determine who has the best reputation along with the best price for coverage.

There’s no reason to spend more on car insurance than necessary. Getting more coverage will keep you better protected for the days when you’re running on little sleep.

Further, you want enough protection for the insurance company to take care of all expenses from an accident so they don’t come after you for the remaining balance. Online quotes will help you get a better understanding of premium costs.

Compare car insurance quotes today by using our free rate comparison tool.

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