Buy Cheap Auto Insurance for Postal Workers in 2023
Auto insurance coverage for postal workers is the cheapest with companies like Farmers and GEICO. Postal worker auto insurance rates are around the national average which is $86/mo, and rural carrier insurance must be obtained if you use your own vehicle. Auto insurance discounts for postal workers may be available from some companies, and you may qualify for a federal employee discount.
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Cynthia Lanctot
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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
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UPDATED: Jun 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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.
UPDATED: Jun 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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.
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A Concise Overview:
- Auto insurance is determined by postal code and occupation.
- Postal workers can receive federal employee car insurance discounts.
- Post office vehicle accidents are covered by government car insurance.
Auto insurance for postal workers usually costs about the same as the overall average in the United States. However, auto insurance for postal employees can be cheaper if you take the time to understand how to switch car insurance by shopping around and qualifying for discounts.
Most postal workers in the United States work for the United States Postal Services (USPS). USPS rural carriers require their employees to use personal vehicles. This article will explore postal worker auto insurance and options for USPS rural carrier auto insurance.
Looking for affordable postal worker car insurance? Enter your ZIP code in the free comparison tool above to find cheap postal worker auto insurance rates in your area.
What auto insurance is available for postal workers?
Postal worker car insurance rates are no different from the average cost of insurance. We researched various factors and found nothing unique about postal worker auto insurance.
Do rural letter carriers working for the USPS and driving their own vehicles require extra insurance or additional coverage for their personal vehicles?
Postal workers still have to carry the minimum auto insurance required in their state.
However, postal workers can sometimes qualify for a federal employee auto insurance discount. Most postal workers are employees of USPS, a government company tasked with delivering mail to residents across the United States.
According to the Bureau of Labor Statistics, postal service workers collect, sort, and deliver mail. They also sell postal products that help consumers transport mail more efficiently.
The government’s auto insurance provider covers all postal worker vehicles, but postal workers will need a private passenger auto insurance policy to cover a personal car. Postal workers can receive a group discount if they get a policy with USPS’s recommended company.
Company employees can be offered a group discount if they enroll in the same insurance company as their employer.
USPS has a list of services and products that may lead to discounts for postal workers. Before we learn more, compare postal worker car insurance quotes in your area now by entering your ZIP code in the free comparison tool.
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What are 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 received, which will cause your rates to increase.
Why do insurers ask about your occupation?
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.
What are postal worker auto insurance rates?
Geico postal insurance rates for workers don’t appear to be available. Instead, let’s examine other average annual rates.
| Coverage Type | Average Annual Auto Insurance Rates | Average Monthly Auto Insurance Rates |
|---|---|---|
| Comprehensive | $148 | $12 |
| Collision | $326 | $27 |
| Liability | $555 | $46 |
| Full | $1,029 | $86 |
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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Does your annual mileage affect postal worker auto insurance?
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.
| Companies | Average Annual Rates for 10 Miles Commute 6000 Annual Mileage | Average Annual Rates for 25 Miles Commute 12000 Annual Mileage |
|---|---|---|
| USAA | $2,483 | $2,592 |
| Geico | $3,163 | $3,267 |
| State Farm | $3,176 | $3,344 |
| American Family | $3,401 | $3,485 |
| Nationwide | $3,437 | $3,463 |
| Progressive | $4,030 | $4,041 |
| Farmers | $4,179 | $4,209 |
| Travelers | $4,400 | $4,470 |
| Allstate | $4,842 | $4,934 |
| Liberty Mutual | $5,995 | $6,152 |
USAA, Geico, State Farm, and American Family are the four cheapest companies, while Farmers, Travelers, Allstate, and Liberty Mutual have the most expensive rates.
Which companies offer auto insurance discounts for postal employees?
Here’s a list of companies that offer federal employee discounts to postal workers:
- Farmers
- Geico
- Liberty Mutual
- MetLife
Geico’s federal employee 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.
You can lower your rates even further by improving your credit score. According to the Federal Trade Commission, car insurance companies give discounts to policyholders with high credit scores. Individuals with good credit scores are less likely to file insurance claim than those with poor credit scores.
Buy postal worker auto insurance in your area today. Compare rates by entering your ZIP code in the free comparison tool below.
Frequently Asked Questions
Is the USPS self-insured?
USPS insurance costs are determined by an outside source. USPS vehicles are insured by the government’s insurance provider, while rural carriers have to find auto insurance. However, rural carriers are eligible for all other insurance services under USPS.
What is the best job at the post office?
According to Federal Soup, the best job at the post office is the rural carrier position. If you would like to become a postal worker, you don’t have to have a special degree or take special classes. Generally, you just need a high school diploma and be able to perform job duties such as sorting mail, making sure the correct postage is used, and delivery of mail if your position calls for it.
Are there any specific auto insurance discounts available for postal workers?
Yes, some insurance companies offer specific discounts for postal workers. These discounts may include occupational discounts, which recognize certain professions as being associated with lower risk. It’s recommended to inquire with insurance providers to determine if they offer any specialized discounts for postal workers.
Can being a postal worker affect my auto insurance premium?
Your occupation as a postal worker may have a minimal impact on your auto insurance premium. Factors such as your driving history, age, the type of vehicle you drive, and your location are typically more influential in determining your premium. However, it’s advisable to compare quotes from different insurance providers to find the most affordable option tailored to your specific circumstances.
What coverage options should postal workers consider for auto insurance?
Postal workers should consider the standard coverage options that all drivers typically need, including liability coverage, which helps cover damages you may cause to others, and uninsured/underinsured motorist coverage, which protects you if you’re involved in an accident with an uninsured or underinsured driver. Additionally, comprehensive and collision coverage may be worth considering to protect your own vehicle against damage or theft. Consult with an insurance agent to determine the coverage options that best suit your needs.
Are there any additional discounts or programs for postal workers to save on auto insurance?
Apart from occupational discounts, some insurance companies may offer additional programs or benefits for postal workers. These could include specialized coverage options for vehicles used for postal duties or mileage-based discounts if you primarily use your vehicle for work-related purposes. Contact insurance providers directly to inquire about any specialized programs or discounts for postal workers.
How can I find cheap auto insurance as a postal worker?
To find cheap auto insurance as a postal worker, consider the following steps:
- Shop around and obtain quotes from multiple insurance providers.
- Maintain a good driving record and consider defensive driving courses to potentially lower your premium.
- Inquire about occupational discounts or any other available discounts for which you may be eligible.
- Opt for a vehicle with good safety features and a lower cost of repair and replacement.
- Bundle your auto insurance with other policies, such as homeowners or renters insurance, for potential multi-policy discounts.
- Consider raising your deductibles if you can afford higher out-of-pocket costs in the event of a claim.
- Consult with an independent insurance agent who can help you navigate the options and find the best coverage at an affordable price.
Compare Quotes From Top Companies and Save
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed Agent
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.