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Home » Car Insurance Companies » Best Car Insurance » Postal Employee Car InsuranceJessica Sautter
Content Writer & Educator
Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.
Written by Jessica SautterContent Writer & Educator
Chris Harrigan
Former Auto Insurance Claims Manager
Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.
Reviewed by Chris HarriganFormer Auto Insurance Claims Manager
UPDATED: Mar 21, 2024
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UPDATED: Mar 21, 2024
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car 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.
Postal employee car insurance is in the same category as government employees. The majority of current employees of the postal service in the United States work for USPS a government-regulated postal service tasked to deliver mail to residents in the United States.
How much does USPS insurance cost? Auto insurance for USPS employees is usually cheaper than average. But how come? Our postal worker car insurance guide will take you through the cost of postal employee car insurance quotes and how postal employees can save money through federal employee discounts. (For more information, read our “What is a federal employee car insurance discount?“).
Start comparing affordable postal employee car insurance quotes in your area by entering your ZIP code in our free comparison tool.
Table of Contents
Read More: Best Car InsurancePostal employee auto insurance is about $125 per month on average. We calculated the average by comparing the top car insurance companies that provide specialized government employee insurance. Here are the companies we compared and their average monthly rates for postal worker auto insurance.
Average Monthly Postal Employee Car Insurance Rates by Company| Car Insurance Companies | Average Monthly Car Insurance Rates |
|---|---|
| USAA | $91 |
| Geico | $100 |
| State Farm | $108 |
| Nationwide | $119 |
| Progressive | $135 |
| Farmers | $137 |
| Liberty Mutual | $144 |
| Allstate | $169 |
The cheapest postal employee car insurance company is USAA. However, USAA is only available to military members and their immediate families. If you’re not in the military, your next best options for cheap postal employee auto insurance are Geico, State Farm, and Nationwide.
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Auto insurance for USPS employees isn’t as expensive as you might think. Postal employees are federal employees who go through several steps to ensure they can drive a federally insured vehicle.
Therefore, federal workers will need to have an excellent driving record to work for USPS or any government job. However, post office employee car insurance rates can change if they’re in an accident or convicted of a serious traffic violation, like reckless driving or DUI.
Urban or suburban postal employees are supplied with official vehicles by their local postal stations.
Postal trucks are automatically insured and registered by the U.S. Postal Service.
In rural, sparsely populated areas, the USPS has a rural carrier program that allows citizens to deliver mail for a substantial stipend.
Depending on how much time you have and how many deliveries you make, this stipend could equate to a decent income. Becoming a rural carrier does have consequences for your car insurance.
If you are involved in a car accident while carrying out your rural mail carrying duties, you will likely have to pay out-of-pocket. Most insurance companies prohibit the use of personal auto policies for commercial endeavors like mail delivery.
Do rural carriers have specific insurance requirements? Rural postal employees have to carry commercial auto insurance. Personal auto insurance won’t be acceptable.
If you have personal car insurance but don’t report your vehicle’s commercial use, your car insurance company may cancel your policy. The cancellation will leave you with the cost of damages and injuries.
Urban and suburban employees will acquire personal auto insurance for their vehicles, while the government covers postal employee vehicles.
Follow us through the next sections to learn what mandatory and optional coverages you’ll need as a postal employee.
We’ll keep it simple for you by listing the postal car insurance coverages you’ll need to stay insured.
These car insurance coverages are common among state minimum requirements across the United States. All of these coverages are standard liability coverage requirements.
As a postal employee, you’ll need these for your vehicle. Rural postal employees will need liability auto insurance for their cars.
Now let’s look at some additional coverage options. These may be optional for a vehicle you already own, but you may need them if you’re still making payments.
In addition to these coverages, rural postal employees will need to invest in commercial car insurance for post office work. While this additional insurance coverage is mandatory, you should be able to save, considering your work for the government.
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Should you attempt to file a claim, you may be dropped from your policy.
Honesty is the best policy for avoiding this issue. Tell your provider about your intentions to become a rural carrier. If you are upfront about it, and your policy does not disallow it, you may maintain coverage.
However, be prepared for a significant hike in your premiums. They could go up by as much as 50 percent.
If you live in a rural area, your local Department of Motor Vehicles (DMV) likely provides license endorsements for rural carriers. Such an endorsement can lend credibility to your new gig and can influence your insurer to keep your premiums at a reasonable rate.
It can even help you get or maintain comprehensive and collision coverage. These coverages would otherwise be forfeited when driving your car for commercial purposes.
We looked at the post office car insurance quotes at the beginning of the guide, and they appeared to be affordable. The rates are lower than expected because postal employees are low-risk drivers.
What happens when you factor in postal employee (government employee) discounts? We researched a few details about USPS employee car insurance discounts and pinpointed how companies provide extra savings. Here are the results.
Postal Employee Car Insurance Discounts by Company| Car Insurance Companies | Postal Employee Discount Summary |
|---|---|
| Allstate | No Postal Employee Discount |
| Esurance | No Postal Employee Discount |
| Farmers | Postal Employee Discount Available |
| Geico | 8% |
| Liberty Mutual | 10% |
| MetLife | Postal Employee Discount Available |
| Safe Auto | No Postal Employee Discount |
| Safeco | No Postal Employee Discount |
| The General | No Postal Employee Discount |
| USAA | No Postal Employee Discount |
Why don’t most companies participate in giving discounts to government workers like postal employees? Some car insurance companies provide discounts but only in select areas.
Geico and Liberty Mutual appear to offer these discounts everywhere. Although Liberty Mutual provides more savings, Geico is still cheaper.
So what do you do about saving on car insurance for employees? Check out these programs in the following sub-sections to learn how to reduce your premium payment amount for postal employee auto insurance.
According to the USPS Federal Credit Union, USPS employees can enroll in the TruStage™ Auto and Home Insurance Program to save more money per year.
Joining the U.S. Postal Service Federal Credit Union can open up more discounted rates and help you buy postal employee car insurance at a discount.
The name Geico stands for Government Employees Insurance Company. Geico auto insurance services are designed for the individual, but they specialize in providing affordable solutions to government employees.
Geico gives discounts to postal employees, and they provide scholarships to federal and military recipients.
According to the Bureau of Labor Statistics, the road to becoming a postal employee requires a high school diploma or any degree equivalent to a high school diploma (G.E.D.).
Postal employees can receive on-the-job training and earn over $52,000 per year.
Why is this important for postal employee car insurance? It’s essential because rural postal employees are technically freelancers who deliver mail to rural area residents. They use personal vehicles for commercial purposes.
If mail slows down, they may not receive compensation. This could put a postal employee at a tipping point between employed and unemployed. Despite the low-risk status of postal employees, auto insurance companies may issue higher rates if you don’t have a stable income.
Unstable income has become more frequent since the COVID-19 pandemic. The USA Government Information and Services reported that the CARES Act provides help for those affected by COVID-19, including postal employees. The support can take care of other bills while you’re maintaining your employment as a postal employee.
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Postal employee car insurance is cheaper than the standard car insurance policy because postal employees are low-risk drivers. Auto insurance for postal employees varies by state.
State auto insurance laws can change the average cost because each state carries different coverage limits. Try to secure postal employee discounts to save money.
Before we wrap up the guide, let’s answer a few questions about postal employee car insurance. These answers will give you more insight into postal employee auto insurance and recap what you’ve learned.
The federal government covers the USPS trucks provided to employees. However, rural USPS drivers will have to carry commercial auto insurance. Urban and suburban USPS employees have to insure personal vehicles through standard auto insurance.
Yes. Postal employees deliver essential items to recipients every day. Their work is critical, especially during the COVID-19 pandemic. Car insurance companies are taking extra care to get postal employees the car insurance savings they need.
As a rural postal employee, you’ll be using your vehicle to deliver mail. Commercial auto insurance can be attached to your personal auto insurance policy. Since you’ve bundled two different car insurance services, you may be eligible for a discount.
Like with most questions related to your insurance coverage, it boils down to risk. Insurance companies are continually looking for ways to better estimate the risk you pose as a driver and the likelihood that you’ll be involved in an incident that results in claims being filed.
Occupation is one way to do this. Some occupations are considered higher risk than others, but as we noted earlier, postal workers are typically considered to be in a low-risk occupation from the perspective of drivers on the road.
Ready to buy postal employee car insurance? Enter your ZIP code in the free online quote tool on this page to compare postal employee car insurance rates today.
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