Auto Insurance for Postal Employees: Everything You Need to Know

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.

UPDATED: May 10, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

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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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

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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.

Average U.S. Auto Insurance Rates by Coverage Type
Coverage TypeAverage Annual
Auto Insurance Rates
Average Monthly
Auto Insurance Rates
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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.

Average Annual Auto Insurance Rates by Commute
CompaniesAverage Annual Rates for
10 Miles Commute
6000 Annual Mileage
Average Annual Rates for
25 Miles Commute
12000 Annual Mileage
State Farm$3,176$3,344
American Family$3,401$3,485
Liberty Mutual$5,995$6,152
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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
  • 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.

#1 – What insurance do postal employees get?

Postal workers can be covered by Social Security and Medicare when they’re newly hired. Also, postal workers qualify for the Group Life Insurance (FEGLI) Program. USPS pays all basic coverage.

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#2 – Is GEICO auto insurance only for government employees?

No. GEICO insurance is available for personal and commercial coverage.

#3 – Which auto insurance company sells to federal employees?

Farmers, GEICO, Liberty Mutual, and MetLife sell insurance to federal employees and provide a discount specifically for them.

#4 – Does the ZIP code affect auto insurance?

Yes. Where you live determines your auto insurance rates.

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#5 – 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.

#6 – 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.



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