Average Car Insurance Cost for Firefighters and Police Officers

The average firefighter and police officer car insurance rates are $105.39/mo. Firefighter and police officer car insurance rates are higher than the national average due to the high speeds and risks.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Jul 6, 2020

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Here's what you need to know...

  • Police and firefighters are professional drivers
  • Each profession requires extensive training
  • Insurance companies evaluate the risks associated with the driving patterns of certain occupations, which affect insurance rates
  • The average firefighter & police officer car insurance rates are $1,264/yr

Police officers and firefighter are used to driving. In fact, they are actually classified by law as professional drivers. Firefighters have a specialized license from the state as well, which allows them to drive fire trucks.

However, being a professional driver doesn’t always mean you will have cheap car insurance rates.

Police officers have a lot of responsibilities and although some of them are the same no matter where the officer works, others are specific to the city, township, or precinct they work in.

One fact that does not change, no matter where a police officer works is the fact that they risk their lives every time they go to work.

No matter what occupation you have, you can compare car insurance rates from top companies now by entering your ZIP code in the FREE box above!

Police Officer Responsibilities

Police officer

Entry-level police officers are often referred to as patrol officers or, in slang terms, they are called “street cops.” This means that their main responsibility is to patrol a set area.

During patrols, they will look for illegal or suspicious activities, assist people who need assistance, make traffic stops, and answer calls that are dispatched through 911.

Some cops are specifically traffic cops which means that they only make traffic stops. They are usually assigned an area of the town or city to make traffic stops.

They may use a radar gun or park off the road slightly hidden while tracking the speed of those who drive by. Routine traffic stops can often turn into something else very quickly if illegal substances or activities are found to be in the car.

Other responsibilities police officers have to include:

  • Making arrests
  • Training other officers
  • Writing reports
  • Writing tickets
  • Participating in community events
  • Attending training seminars
  • Participating in tactical training

Often, police officers will focus on a specific area to work in that requires additional training and commitment.

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Firefighter Responsibilities

Becoming a firefighter requires going to school specifically for firefighting.

Candidates used to be able to decide between focusing on becoming just a firefighter or becoming a paramedic as well.

Now, most fire companies require firefighters to be at the very least Emergency Medical Technicians (EMTs) or Paramedics because firefighters are often called to the scene of accidents as well as fires.

Many people are only familiar with the part of a firefighter’s job that has to do with putting out fires, but firefighters actually have a lot more responsibilities than just putting fires out.

As mentioned above, firefighters often have the responsibility of administering medical treatment at the scene of an accident or at a fire.

They are often called to situations where the potential for a fire exists and medical attention may be required.

Firefighters also go to schools to talk with kids about how to be safe in a fire and what to do if they see a fire.

They inspect businesses for fire hazards or violations, they attend community events, they will help a person who comes to the fire station in need of medical assistance, and they keep the fire station running smoothly while making sure the gear and equipment are in good working order.

Determining Police and Firefighter Car Insurance Rates


Most car insurance rates are based somewhat on the occupation of the driver. You may wonder what this has to do with how much an individual should pay for car insurance rates.

Well, research has found that those in certain occupations tend to drive certain ways or adopt certain driving habits. Based on this research, car insurance rates are set.

In the case of police officers and firefighters, research has shown that the fact that they drive as part of the occupation is actually a drawback.

This is because they are more likely to break a traffic law due to overconfidence or due to the fact that they are pretty sure a fellow officer will let them get out of a ticket if they are pulled over.

Additionally, research shows that police officers and firefighters tend to have to change schedules and when they do work, they work long shifts.

Working different hours and working long shifts both contribute to driving in situations that are prone to accidents due to driving while tired and driving late at night or early in the morning.

No matter what occupation you have, you can compare car insurance rates from top companies now by entering your ZIP code in the FREE box below!

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