Best Auto Insurance for Postal Workers in 2024 (Top 10 Companies Ranked)

The best auto insurance for postal workers comes from Progressive, State Farm, and Geico because they offer excellent discounts for USPS auto insurance.

Progressive offers the best USPS car insurance thanks to its digital tools and coverage options. Learning how to switch car insurance from an old company might sound tricky, but Progressive’s low USPS auto insurance rates make it worthwhile.

Our Top 10 Company Picks: Best Auto Insurance for Postal Workers

Read on to explore your auto insurance for postal workers options at the best companies. Then, enter your ZIP code into our free quote comparison tool to see how much you can save.

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#1 – Progressive: Top Pick Overall

Pros

• Strong Online Tools: Progressive offers a variety of tools to help with online policy management, including the Name Your Price tool. Use the Name Your Price tool to see coverage options that match your monthly budget.
• Flexible Payment Options: Progressive offers a variety of payment options to help you get the best car insurance for postal workers.
• Snapshot: Save up to 30% by enrolling in Snapshot, Progressive’s usage-based insurance (UBI) program. However, you should only enroll if you consistently practice safe driving habits, as Snapshot can result in higher rates.

Cons

• Unexpected Rate Increases: Many Progressive customers complain that their rates unexpectedly increased, even though nothing had changed about their situations.
• Low Customer Loyalty: Despite being one of the best options for post office car insurance quotes, Progressive struggles to keep customers. Learn how Progressive is working to improve in our Progressive auto insurance review.

#2 – State Farm: Best for Personalized Policies

Pros

• Personalized Service: State Farm’s extensive network of agents makes it easy for postal workers to get help from a real person.
• Generous Discounts: With 13 discounts, it’s easy to find USPS car insurance discounts most workers will qualify for.
• Excellent Coverage Options: State Farm has plenty of coverage options to increase the value of your policy. Explore your coverage options in our State Farm auto insurance review.

Cons

• Rates can be high. Although State Farm is usually an affordable option, teen drivers will probably find cheaper coverage elsewhere.
• Average Customer Satisfaction Scores: Some customers report satisfaction with their State Farm policies, while others are less than impressed.

#3 – Geico: Best for Government Discounts

Pros

• Government Discounts: Geico offers 16 discounts, including government employees most postal workers will qualify for. See your other discount options in our Geico auto insurance review.
• Convenient Digital Tools: Geico makes it easy to manage auto insurance for postal workers with its convenient website and mobile app.
• Excellent Financial Strength: With an A++ from A.M. Best, Geico has the financial stability customers need to know their claims will always be paid.

Cons

• Limited Local Agents: Geico relies on its digital tools to sell and manage car insurance policies, meaning it doesn’t have as many agents as other companies.
• Discount Availability Varies: Although Geico offers a variety of discounts, availability varies by location. Make sure to speak with a representative to see what you qualify for where you live.

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#4 – Allstate: Best for Full Coverage Service

Pros

• Full Coverage Options: Allstate offers a variety of post office car insurance options, including roadside assistance and new car replacement coverage.
• UBI Programs: Allstate offers two usage-based options – Milewise and Drivewise. Drivewise offers a discount of up to 40% for safe drivers, while Milewise is a pay-per-mile insurance option. Read our Allstate Milewise review to see if it’s the right option for you.
• Deductible Rewards Program: Allstate offers deductible rewards for safe drivers. Every year you go without making a claim, Allstate will reduce your deductible by $100, up to a maximum of $500.

Cons

• Higher Rates: No matter where you live or what type of driver you are, Allstate is usually one of the most expensive options for car insurance for postal workers.
• Low Claims Satisfaction: Allstate customers often report being unsatisfied with the claims handling process, citing long wait times for resolution.

#5 – Liberty Mutual: Best for Unique Coverage Options

Pros

• Unique Coverage Options: Liberty Mutual offers a variety of coverage options for car insurance for postal employees, including new car replacement and original parts replacement coverage.
• Variety of Discounts: Liberty Mutual offers 17 discounts to help drivers save. Explore ways to save on your postal insurance rates in our Liberty Mutual auto insurance review.
• 24/7 Support: Postal workers can get support for claims questions whenever they need it by calling the Liberty Mutual customer line.

Cons

• Mixed Customer Service: Liberty Mutual may offer some of the best postal car insurance, but it receives mixed reviews for its customer service.
• Higher Premiums: While Liberty Mutual is usually an affordable option, drivers with speeding tickets or DUIs will probably find cheaper rates elsewhere.

#6 – Nationwide: Best for UBI Savings

Pros

• Vanishing Deductible: Enroll in Nationwide’s Vanishing Deductible program to save $100 on your deductible for every year you spend claims-free, up to $500.
• SmartRide: The UBI program SmartRide offers Nationwide drivers a discount of up to 40% on USPS auto insurance rates. Learn if SmartRide is the best UBI option for you in our Nationwide car insurance review.
• On Your Side Review: Once a year, you can take advantage of Nationwide’s On Your Side Review, where an agent reviews your policy to make sure you’re not overpaying for your coverage.

Cons

• Limited Local Agents: Nationwide doesn’t have the same reach as many of its competitors when it comes to local agents.
• Lengthy Claims: Many Liberty Mutual customer complaints center on how long it takes the company to resolve claims.

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#7 – Farmers: Best for APWU Members

Pros

• Signal App: Safe drivers can save up to 30% by enrolling in Farmers’ UBI program, Signal. As a bonus, the Signal app has excellent reviews for Android and Apple.
• Ampe Discounts: It’s easy to find USPS employee car insurance discounts with Farmers because it offers 23 discount options. See how you can save in our Farmers auto insurance review.
• APWU Partnership: Farmers and the APWU have partnered together to offer affordable APWU car insurance rates.

Cons

• Slow Roadside Assistance: Roadside assistance adds valuable protection to your policy, but Farmers customers are not always impressed with the service. Many drivers report excessive wait times for this service.
• Higher Premiums: Farmers’ USPS car insurance rates are almost always higher than the national average, no matter who the driver is.

#8 – American Family: Best for Costco Members

Pros

• Costco Auto Insurance: American Family underwrites auto insurance policies for Costco members, helping warehouse members find significant savings.
• Loyalty Discounts: There may not be specific postal employee discounts, but American Family drivers can save with the company’s loyalty discounts. See all of American Family’s 18 discounts in our American Family auto insurance review.
• KnowYourDrive: Whether you’re a TTO or need rural carrier car insurance, USPS drivers are known for their safe driving. American Family’s UBI program KnowYourDrive offers safe drivers up to 20% off their insurance.

Cons

• Limited Availability: American Family currently sells insurance in just 19 states.
• Fewer Coverage Options: It has a few solid options, but American Family offers fewer add-ons than most of its competitors.

#9 – Travelers: Best Customer Service

Pros

• Excellent Customer Service: Travelers has a reputation for excellent customer service, especially when it comes to communication about claims.
• Customizable Coverage: If you have room in your budget, Travelers offers excellent coverage options like accident forgiveness and rideshare insurance.
• IntelliDrive: Save up to 30% for consistently practicing safe driving habits with Travelers’ UBI program, IntelliDrive. Read more about IntelliDrive in our Travelers auto insurance review.

Cons

• Limited Digital Tools: Travelers focuses on providing personal service to its customers. It lacks the robust digital tools many of its competitors have.
• Rates can be high. While Travelers is often an affordable option, drivers with bad credit scores may find cheaper coverage with another company.

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#10 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance Plans: AAA offers postal workers three separate roadside assistance plans so they can get the exact level of coverage they want. Explore all the roadside plans in our AAA auto insurance review.
• Membership Discounts: You can get more than postal worker discounts with AAA. AAA offers special savings on things like hotels and shopping to its members.
• Affordable Rates: AAA offers low-cost coverage, whether you’re looking for auto insurance for rural mail carriers or regular coverage for clerks.

Cons

• Membership Fees: Although the maximum annual fee for AAA is only about $130, it does increase the overall cost of your car insurance.
• Coverage Variations: AAA operates in clubs, which are managed on a regional level. Some areas may not have all the coverage or discount options listed on the AAA website.

Auto Insurance Options for Postal Workers

Postal worker car insurance options are no different than any other type of driver. When you’re looking for postal auto insurance, consider the following types of insurance:

• Liability: Liability car insurance pays for damages and injuries you cause in an at-fault accident, but does not cover your vehicle. Most states require some sort of liability insurance.
• Collision: If you want your insurance to pay for your car repairs after an accident, you need collision car insurance.
• Comprehensive: Comprehensive coverage pays for damage caused to your car outside of accidents. Plans vary by company, but most cover damage from weather, fire, vandalism, theft, and animals.
• Uninsured/Underinsured Motorist: Although most states require drivers to carry a certain amount of coverage, not everyone follows the law. Uninsured motorist insurance protects you against drivers with inadequate coverage.
• Personal Injury Protection/Medical Payments: Medical payments or personal injury protection (PIP) insurance pay for health care expenses after a covered accident.

These are the most basic types of car insurance that most companies offer. Your cheapest option for car insurance is to meet the minimum amount required in your state, which is usually liability and sometimes uninsured motorist. If you want or need full coverage, your policy will include everything listed above.

There is no set amount of coverage recommended for postal workers. Instead, you should consider what type of car you drive. People with older, less valuable vehicles can get away with minimum insurance, while full coverage is a better option for newer cars.

USPS employees can also add coverage to their policy. Popular options include roadside assistance, rental car reimbursement, and gap insurance. Just be aware that adding more coverage to your policy will increase how much you have to pay for your insurance.

Auto Insurance Rates for Postal Workers

Postal employees tend to get good rates on their insurance because USPS has a reputation for hiring safe drivers. Check below to see average rates for postal employees from our top companies.

Auto Insurance Monthly Rates for Postal Workers by Coverage Level & Provider

Of course, the prices listed above are just averages and you may pay more or less depending on your situation. For example, average car insurance rates by age can vary significantly, with younger drivers paying much more for insurance than older, more experienced adults. That’s why you’ll need basic information when you start a car insurance quote, starting with your ZIP code as seen below.

Liability car insurance is required for all drivers, but if you’re insuring a vehicle as a rural mail carrier, you’ll need full coverage auto insurance. Collision and comprehensive coverage will help you in the event that you get into an accident or suffer unexpected damage to your vehicle.

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How Annual Mileage Affects Auto Insurance Rates

Top car insurance companies in the United States offer cheaper rates to drivers who operate their vehicles less than average. According to the Federal Highway Administration, the average person drives about 14,425 miles per year.

Let’s see how top insurance companies issue auto insurance rates based on annual commute mileage.

Auto Insurance Monthly Rates by Annual Mileage & Provider

USAA, Geico, State Farm, and American Family are the four cheapest companies, while Farmers, Travelers, Allstate, and Liberty Mutual have the most expensive rates. If you drive fewer miles than the national average, finding a low-mileage discount can help you save.

Auto Insurance Discounts for Postal Employees

Working for the post office comes with a lot of benefits, especially in the form of discounts. Most postal employees earn discounts on everything from phone service to hotels.

Although many people believe that government employees find it easy to save on car insurance, not many companies offer USPS-specific discounts. Check below to see what discounts you might be eligible for from our top companies.

Geico’s federal employee auto insurance discounts are well-known on the internet, but they’re mostly known for their cheap rates. Geico also offers other programs for federal employees, like scholarships.

Other offers you may qualify for include good driver, safe vehicle, and group discounts.

USPS Rural Carrier Vehicle Insurance Requirements

There are different methods to obtain rural carrier insurance. Since most postal trucks aren’t in rural areas, rural USPS postal workers use their vehicles. Therefore, a rural carrier will need to find their own auto insurance. If they get into an accident, they’ll have to alert the USPS of possible delays.

As a government employee, it’s in your best interest to get full coverage auto insurance. Because your job will require a lot of driving, you should shop around for the most affordable car insurance quotes. However, you will likely be forwarded to TruStage™.

TruStage™ is an auto and home insurance program for USPS employees under the U.S. Postal Service Federal Credit Union.

Regardless of the company you’re with, alert USPS of an accident by contacting the USPS auto accident claims phone number at 1-800-275-8777.

Many rural carriers are considered contract employees and could be let go if mail delivery is slow. If you become unemployed, you can lose any federal employee discounts you receive, which will cause your rates to increase. For more information, read our guide called “Buy Cheap Auto Insurance for Unemployed Workers“.

How Driving for USPS Affects Auto Insurance Rates

The best auto insurance companies look to see if your job requires you to drive more than the average licensed driver. If so, your risk of getting an accident will increase.

Postal workers drive more miles than the average motorist. However, auto insurance companies reduce postal worker insurance coverage since most employers screen drivers before they’re allowed to operate government vehicles. High-risk occupations, such as delivery drivers, will see increased auto insurance rates, but a clean driving record can offset expensive costs.

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Get the Best Auto Insurance for Postal Employees Today

Although there aren’t many car insurance discounts specifically for postal employees, most USPS workers won’t struggle to find affordable coverage. As long as you keep your driving record clean and shop around for coverage, you should be able to find the best coverage at the right price.

Buy postal worker auto insurance in your area today. Compare rates by entering your ZIP code in the free comparison tool below.

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