Auto Insurance Prices for Police Officers and Firefighters

The average police and fire chief car insurance rates are $109.57/mo. Police and fire chief car insurance rates are inflated because of the job's stress and the amount of driving required.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 20, 2020

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Here's what you need to know...

  • Police and Fire Chiefs often drive department cars to and from work
  • The driving training included in their occupation could translate to lower premiums
  • The stress of the job increases the driving risk, so some insurers may charge more for these occupations


Whether you are a lieutenant, captain, or chief of a police or fire department, these leadership positions have a lot of responsibilities. Part of your responsibilities may involve driving a personal vehicle or a take home car.

Having the right type of insurance is important and affordable.

The average annual cost for car insurance for someone in one of these positions is $1,314.88. That is a little more than $100 per month.

No matter what your occupation, you should always compare car insurance rates to find your best deal.

Enter your ZIP code in the FREE box now to compare rates and quotes from top companies.

Police/Fire Leadership Responsibilities

Working your way through the ranks in a police department or fire department takes a lot of hard work and dedication.

Though there are some departments that give way to the politics of appointing a lieutenant, captain, or chief, most appointments are based on experience and a positive track record.

The average fire chief has put in 18 years as a firefighter and the average police chief has put in 22 years as a police officer/detective, but the years of experience do not have to be all at one department.

Although for each of these positions, having worked in the same county is a good way to show your consistency.

The main responsibility of a fire chief or a police chief is giving leadership to the department. When it comes to a job where the people under you risk their lives daily, this is an even more demanding responsibility.

In addition to this, both positions have a responsibility to the local government whose tax income funds the department.

Surprisingly, most of their work does not involve direct police work or firefighting.

Rather, they set policy, meet with local government representatives, help set the budget, deal with pension issues, approve new hires, participate in discipline or firing, and testify in court or with union representatives in the case of litigation.

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Why Car Insurance Rates Are Affected

All car insurance rates are affected by the occupation the policyholder has. If the policyholder has no job, this affects car insurance rates, too.

Rates are set when the typical driving habits of a certain occupation are taken into consideration. The averages set the rates even when the individual might have a different outcome.

Police chiefs and fire chiefs are often called on for emergencies so they may be on the road at all different times of the day and night.

They also travel to meetings in the county seat or the heart of the city they work in. This requires driving in more dangerous areas and more populated areas.

Because of these driving risks, the annual car insurance rate for a police or fire lieutenant, captain, or chief is in the high range. However, it is important to note that many of these positions include a take home car.

A take home car is a police or fire vehicle that the employee can take home during their off-duty hours. This means that insurance is covered by the department.

However, there are still times when a personal vehicle will be driven especially if the police or fire employee has a family, so personal insurance is still necessary.

Insurance Tips for Police and Fire Employees

For anyone, reducing car insurance rates is helpful to the family budget. Tips that apply to police and fire employees apply to anyone:

For police officers, this is a requirement of field training. The defensive driving tactics you learn on the job translate to saving on your insurance policy.

Just be sure to get a letter stating that you took the class or a certificate of completion to give to the insurance carrier.

Things like driving a vehicle that isn’t red, that has an anti-theft device and is not an SUV help keep rates low. These simple things will reduce your car insurance rate.

Also, be sure to pay your premium on time and to hold car insurance consistently without any gaps in coverage.

Comparing car insurance rates to find your best deal is a great way to save money.

Enter your ZIP code in the FREE box now to compare rates and quotes from top companies.

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Average Monthly Car Insurance Rates by State