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Auto Insurance for Postal Employees (Rates + Discounts)

Things to Remember

  • Postal workers may be eligible for certain auto insurance discounts for postal employees such as government employee rates.
  • If you drive your own car for work, you will need a special type of insurance policy.
  • Postal employees are covered under the USPS auto insurance policy when driving USPS-owned vehicles.

Many postal employees walk long miles as they fulfill their duties, and even more of them need to drive long miles as part of their daily work. So what type of auto insurance for postal employees do you need?

As they spend time on the nation’s roads, these vital workers need to have the protection of adequate and cheap auto insurance coverage.

Luckily, postal workers are usually eligible for several auto insurance discounts. As we look at these savings possibilities, we’ll also show you how easy it is to save even more cash by using auto insurance comparison shopping websites.

Ready to find affordable auto insurance for postal employees? Compare auto insurance options and enter your ZIP code to receive several auto insurance quotes for postal employees.

Table of Contents

Auto Insurance & Postal Workers: How can it change your rates?

When asking about the post office’s auto insurance, USPS auto insurance, or mail carrier insurance, it is important to know that all these types of employees may have discounts available to them.

Postal workers, regardless of whether they deliver the mail or work in a back room, can qualify for special discounts on their auto insurance. Not all companies offer these discounts, which makes it important to shop around and compare options.

Now, let’s delve into auto insurance for postal workers, USPS rural carrier auto insurance, and more.

What are auto insurance rates for postal workers?

While insurance providers don’t have special discounts for postal workers, there are discounts for federal employees. If you’re a postal worker, that may also apply to you.

The GEICO federal employee auto insurance discount, for instance, has what is known as the Eagle Discount. This is for active or retired federal government employees grade GS-7 and above.

Those who have a federal position on the non-GS pay system may qualify as well. Other GEICO discounts may also apply to you.

Does your annual mileage affect your auto insurance rates?

If you drive your own vehicle as a mail carrier, your mileage can really add up quickly.

The following table shows how annual mileage affects auto insurance rates for 10 different companies using two annual commute mileage averages: 10 miles and 25 miles.

Average Annual Auto Insurance Rates by Commute
CompaniesAverage Annual Auto Insurance Rates
for a 10-Mile Commute/
6,000 Annual Mileage
Average Annual Auto Insurance Rates
for a 25-Mile Commute/
12,000 Annual Mileage
USAA$2,482.69$2,591.91
GEICO$3,162.64$3,267.37
State Farm$3,175.98$3,344.01
American Family$3,401.30$3,484.88
Nationwide$3,437.33$3,462.67
Progressive$4,030.02$4,041.01
Farmers$4,179.32$4,209.22
Travelers$4,399.85$4,469.96
Allstate$4,841.71$4,934.20
Liberty Mutual$5,995.27$6,151.63
Compare RatesStart Now →

As you can see, with every company, a 25-mile commute has a larger rate than a 10-mile commute. With that being said, sometimes the difference is negligible.

The largest price increase comes from State Farm at $168.03. The majority of the price increases come in at less than $100, with the lowest being from Progressive at $10.99.

Which companies offer auto insurance discounts for postal workers?

Postal employees are technically not considered federal employees. However, despite the label of “postal employee,” they still have the same retirement compensation and benefits provided to federal employees.

Postal employees participate in the Civil Service Retirement System, the Federal Employees Retirement System, and the Federal Employees Health Benefits Program.

Which insurance companies sell to federal employees? Well, all of them, technically. More importantly, do federal employees receive insurance discounts? Let’s look at the next table for the answer.

Federal Employee Auto Insurance Discount Availability by Company
CompaniesFederal Employee Discount Offered
21st CenturyNo
AAANo
AllstateNo
American FamilyNo
AmeripriseNo
AmicaNo
Country FinancialNo
EsuranceNo
FarmersYes
GEICOYes
The GeneralNo
The HanoverNo
The HartfordNo
Liberty MutualYes
MetLifeYes
NationwideNo
ProgressiveNo
Safe AutoNo
SafecoNo
State FarmNo
TravelersNo
USAANo
Compare RatesStart Now →

As you can see, only four of the 22 companies offer insurance discounts for federal employees. These companies are Farmers, GEICO, Liberty Mutual, and MetLife.

The Liberty Mutual federal employee discount may apply to postal employees, but the best insurance for government employees isn’t always the best deal for postal workers.

Is GEICO a government employee insurance company? That’s their name, but they no longer cater only to government employees.

Do GEICO employees get auto insurance discounts? Yes, but not the same ones as government employees get. Among others, the GEICO employee discount at Enterprise applies to GEICO employees.

The best way to learn about these discounts is to call the Government Employee Insurance (GEICO) number.

Additionally, National Rural Letter Carriers auto insurance is offered through NRLCA Insurance Marketplace.

What auto insurance discount opportunities are available for postal employees?

If you work for the post office, auto insurance discounts can be found just by mentioning your occupation to specific insurance companies.

Shopping around is one of the best ways to find deals on almost any product or service, and auto insurance coverage is no different.

There are hundreds of viable insurance companies out there, and looking at every one of their websites could take months.

The good news is that auto insurance comparison shopping websites solve this problem by doing all the legwork for you.

These sites study the policy provisions of large numbers of auto insurance providers and then present this information to you in an easy-to-understand format.

This service undoubtedly saves insurance shoppers large amounts of time and effort and has the potential to save them a lot of money as well.

Group Discounts

Many auto insurance companies offer special deals on auto insurance for federal employees. While postal workers are not on the government payroll, they may qualify and would do well to take full advantage of these savings opportunities.

The following table shows the companies that offer group discounts.

Auto Insurance Group Discount Availability by Company
CompaniesGroup Discount Offered
21st CenturyNo
AAAYes
AllstateNo
American FamilyNo
AmeripriseYes
AmicaNo
Country FinancialNo
EsuranceYes
FarmersNo
GEICOYes
The GeneralNo
The HanoverYes
The Hartford Yes
Liberty MutualYes
MetLife Yes
NationwideYes
ProgressiveNo
Safe AutoNo
SafecoYes
State FarmNo
TravelersYes
USAA No
Compare RatesStart Now →

As you can see, 11 out of the 22 companies listed offer group discounts —  exactly half.

Two examples of group discounts offered are from Ameriprise and The Hartford. The Hartford gives a 20% discount to AARP members and Hartford employees receive a 10% discount.

Ameriprise offers a Gold Star discount of 15% to Costco members and an Executive discount of 15%, which includes automatic renewal and free roadside assistance.

Good Driver Discounts

Postal workers who do a lot of driving and have good driving records often qualify for good driver discounts. Some insurance companies even go so far as to give safe drivers cash rebates.

The following table shows which companies offer good driver discounts.

Auto Insurance Good Driver Discount Availability by Company
CompaniesGood Driver Discount Offered
21st CenturyYes
AAAYes
Allstate Yes
American Family Yes
AmeripriseYes
AmicaYes
Country FinancialNo
EsuranceYes
FarmersYes
GEICOYes
The GeneralYes
The HanoverNo
The HartfordYes
Liberty MutualNo
MetLifeYes
NationwideYes
ProgressiveYes
Safe AutoYes
SafecoYes
State FarmYes
TravelersYes
USAA Yes
Compare RatesStart Now →

As you can see, all but three companies — Country Financial, Liberty Mutual, and The Hanover — offer good driver discounts.

It makes sense that most companies would offer discounts for safe driving, as safe drivers are statistically less likely to file claims that could be expensive for insurance providers.

The table that follows gives a few examples of discounts that insurance providers offer good drivers.

Auto Insurance Good Driver Discount Examples
CompanyGood Driver Discount Details
Nationwide"Good Driver" – 20%; no accidents, violations etc. for three years or more
"Elite Driver" – 35%;
no accidents, violations etc. for five years or more
Progressive31% for those with no accidents or tickets in last three years
Safe Auto10% discount for those who are six months claim free;
One safe driver/claim free discount applies
Safeco"Safeco Safety Rewards" – 20%; no at-fault accidents in last 36 months;
No more than one point on license;
No DUI in last 10 years;
One safe driver/claim free discount applies
State FarmSame qualifications as "Claim Free" discount; Only this applies to new customers with three years accident free;
Higher discount (15%) once every three years with State Farm;
One claim free/safe driver discount applies
TravelersMust be accident and violation free to qualify;
23% – five years;
10% – three years;
One safe driver/claim free discount applies
USAA"Premier Driver Discount" – 4%–12%, depending on driving record;
12% is for accident and violation free for five years;
One safe driver/claim free discount applies
Compare RatesStart Now →

As you can see, for many companies, the longer the duration of safe driving, the higher the discount.

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Safe Vehicle Discounts

Postal employees who drive cars that include certain types of safety features often qualify for safe vehicle discounts. Items that are frequently recognized by auto insurance companies include anti-lock brakes, driver awareness systems, and electronic traction designs.

This table shows the companies that offer discounts to those who drive vehicles that are deemed safer.

Auto Insurance Safe Vehicle Discount Availability by Company
CompaniesSeat Belt Use Auto Insurance Discount AvailabilityPassive Restraint Auto Insurance Discount AvailabilityLane Departure Warning Auto Insurance Discount AvailabilityForward Collision Warning Auto Insurance Discount AvailabilityEmergency Deployment Auto Insurance Discount AvailabilityElectronic Stability Control Auto Insurance Discount AvailabilityDaytime Running Lights Auto Insurance Discount AvailabilityAnti-Theft Auto Insurance Discount AvailabilityAnti-lock Brakes Auto Insurance Discount AvailabilityAdaptive Headlights Auto Insurance Discount AvailabilityAdaptive Cruise Control Auto Insurance Discount Availability
21st CenturyNoYesNoNoNoNoYesYesYesNoNo
AAANoYesNoNoNoNoYesYesYesNoNo
AllstateNoYesNoNoNoYesYesYesYesNoNo
American FamilyNoYesNoNoNoYesYesYesYesNoNo
AmeripriseNoYesNoNoNoNoYesYesYesNoNo
AmicaNoYesNoYesNoYesNoYesYesYesNo
Country FinancialNoYesNoYesNoYesYesYesYesYesNo
EsuranceNoYesNoNoNoNoYesYesYesNoNo
FarmersNoYesNoNoNoYesYesYesYesYesNo
GEICOYesYesNoNoYesNoYesYesYesNoNo
The GeneralNoYesNoNoNoNoNoYesYesNoNo
The HanoverNoYesNoNoNoNoYesYesYesNoNo
The HartfordNoYesNoYesNoNoYesYesYesYesNo
Liberty MutualNoYesYesYesNoYesYesYesYesYesYes
MetLifeNoYesYesYesNoYesYesYesYesYesYes
NationwideNoYesYesYesNoYesYesYesYesYesYes
ProgressiveNoYesYesYesNoYesYesYesYesYesYes
Safe AutoNoYesNoNoNoNoYesYesYesNoNo
SafecoNoYesNoNoNoNoNoYesYesNoNo
State FarmNoYesNoNoNoNoNoYesYesNoNo
TravelersNoYesNoNoNoNoYesYesYesNoNo
USAA NoYesNoNoNoNoYesYesYesNoNo
Compare RatesStart Now →

There are many features a vehicle can have that can potentially grant you a discount on your rates. For instance, all the companies listed offer a discount for people who own a vehicle with a passive restraint feature.

The following table shows a few examples of discounts provided.

Auto Insurance Safe Vehicle Discount Examples
CompaniesDiscount TypeSafe Vehicle Discount Details
AmicaForward Collision WarningBeep Warning – 5%
Auto Braking – 8%
ProgressiveLane Departure WarningSafety Features get automatic discounts applied when VIN entered in system
State FarmPassive Restraint 40% off of medical-related coverage for
vehicles '93 and newer
State FarmNewer Vehicle 40% off of medical-related coverage for vehicles '94 or later, depending on make and model
Compare RatesStart Now →

Discounts are very case-dependent. For instance, look at Amica’s discounts for forward-collision warning systems. Depending on the type of system —for example, the warning it emits — the discount percentage can differ.

Age-Related Discounts

Postal employees who are nearing retirement age are often eligible for mature driver discounts.

The following table shows which insurance providers offer age-related discounts.

Auto Insurance Senior Driver Discount Availability by Company
CompaniesSenior Driver Discount Offered
21st Century Yes
AAANo
Allstate Yes
American FamilyNo
AmeripriseNo
AmicaNo
Country FinancialNo
EsuranceYes
FarmersYes
GeicoNo
The GeneralYes
The HanoverYes
The HartfordYes
Liberty MutualNo
MetLifeYes
NationwideNo
ProgressiveNo
Safe AutoNo
SafecoNo
State FarmNo
TravelersNo
USAAYes
Compare RatesStart Now →

As you can see, only nine out of the 22 insurance providers offer an age-related discount. You may be asking how much the discount is. The next table will show specific discounts for a few companies.

Auto Insurance Senior Driver Discount Availability Examples
CompanySenior Driver Discount Details
Allstate 10%
The General5%
The Hanover 5%
MetLife10%; must be retired
Compare RatesStart Now →

As you can see, discount percentages vary by insurance provider.

Low-Mileage Discounts

Postal workers who don’t drive a lot of miles may qualify for low-mileage rebates or discounts.

Auto Insurance Low-Mileage Discount Availability by Company
CompaniesLow-Mileage Discount Offered
21st CenturyNo
AAAYes
AllstateYes
American Family Yes
Ameriprise No
AmicaYes
Country FinancialYes
EsuranceYes
FarmersYes
GEICOYes
The GeneralYes
The HanoverYes
The HartfordYes
Liberty MutualYes
MetLifeYes
NationwideYes
ProgressiveYes
Safe Auto No
SafecoYes
State FarmYes
TravelersYes
USAAYes
Compare RatesStart Now →

As you can see, all but three companies offer discounts for those who don’t drive a large amount, including some postal workers. These three companies are 21st Century, Ameriprise, and Safe Auto.

The next table will go into detail on the discounts provided to low-mileage customers by eight companies.

Auto Insurance Low-Mileage Discount Examples
CompanyLow-Mileage Discount Details
AmicaZero to 5,000 miles – 10%
5,001 – 7,500 miles – 5%
Country FinancialLower rate for "Pleasure Use" only
Esurance15%
Liberty Mutual "Preferred Rating"
Nationwide Only in CA;
Under 10,000 miles –
significant price drop, but not a %
ProgressiveOnly in CA and TX;
Must be under 10,000 miles per year
Safeco4,000 or fewer miles per year gets the highest discount of 20%;
Up to 25,000 annual miles can get a discount
State Farm30% for under 7,500 miles with proof
Compare RatesStart Now →

As you can see, some companies such as Amica offer different discounts for different amounts of mileage in a given year.

Other companies such as Country Financial only give a discount for seldom-used pleasure vehicles, so this would not apply to a postal worker’s work vehicle.

Free Auto Insurance Comparison

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Bundling

Bundling is the practice of using the same insurance provider to cover different kinds of policies.

For example, a postal worker who has homeowners insurance from a particular insurance company could also have the same firm provide auto insurance coverage.

People who use this method can often save money on all their insurance policies, be it auto, home, or renters insurance.

The following table shows which insurance providers offer a bundling discount.

Auto Insurance Bundling Discount Availability by Company
CompaniesBundling Discount Offered
21st Century Yes
AAAYes
AllstateYes
American FamilyYes
AmeripriseYes
AmicaYes
Country FinancialYes
EsuranceYes
FarmersYes
GEICOYes
The General Yes
The Hanover Yes
The HartfordYes
Liberty MutualYes
MetLifeYes
NationwideYes
ProgressiveYes
Safe AutoNo
SafecoYes
State FarmYes
TravelersYes
USAAYes
Compare RatesStart Now →

Every insurance provider offers a bundling discount except for Safe Auto, and that’s because Safe Auto only provides auto insurance.

The next table will go into detail on the discounts offered by these providers.

Auto Insurance Bundling Discount Examples
CompanyBundling Discount Details
EsuranceBoth policies discounted
The HanoverAdvertised as a discount, but in most states, Hanover only does home and auto together
State FarmHomeowners, renters, condo, or life insurance in addition to auto insurance with State Farm
Homeowners policies with Citizens count as well
Compare RatesStart Now →

Some providers allow you a little leeway in determining which coverages you would like to bundle.

What are rural postal carrier auto insurance requirements?

Postal workers who deliver mail in urban or suburban environments are usually supplied with official vehicles by their local postal stations.

These easily recognizable postal trucks are automatically insured and registered by the U.S. Postal Service.

Postal carriers who work in rural areas may be required to use their personal vehicles to deliver mail to their local communities. These postal workers are also known as rural carriers, and they form a vital link in the mail delivery chain.

Unlike city carriers, who can spend the majority of the day walking their route, rural carriers generally stay within their vehicle from one delivery to the next.

Even to this day, nearly half of rural carriers must provide a vehicle. Post office auto insurance does not cover these drivers; they’ll need to get their own national rural letter carriers auto insurance.

What happens if a postal employee files a claim without commercial auto insurance?

Rural carriers who use their personal cars for work may need to arrange for special insurance coverage because drivers who get in car accidents while working may not be legally covered under their personal auto insurance policies.

Rural carriers driving their own cars may be held personally responsible for any injuries or damages that result from such accidents.

To protect themselves from such potential liabilities, rural postal carriers may need to look into getting rural carrier insurance or special business owner’s policies (BOPs).

These BOPs provide enhanced liability coverage for people who need to use their personal vehicles for work. A government employee insurance company auto claims issue will be much easier to handle if you have the right coverage.

If you’re a rural carrier, to find out whether such a policy will be necessary, you should carefully study the policy provisions of any auto insurance companies that you’re considering for coverage.

One of the best and easiest ways to get information like this from insurance providers is to use the services of auto insurance comparison shopping websites.

Getting Postal Employee Auto Insurance If You’re Unemployed

Many rural carriers are independent contractors who can be let go if mail delivery gets slow. This can easily put them in the unemployed category.

An insurance provider cannot deny you coverage based solely on the fact that you are unemployed. However, there are correlated factors that do allow them to deny you coverage.

  • If you’re not commuting to work, you’re driving less. This could decrease your rates.
  • If your credit score has been altered by your employment change, this could increase your rates.

We’ve gone through a lot of information, and you may still have some questions. If that’s the case, fear not. Up next are some frequently asked questions.

Postal Worker’s Path

Up next, we’ll go into the educational requirements expected of postal workers.

Education for Postal Workers

According to the Bureau of Labor Statistics, postal workers require only a high school diploma or equivalent. Postal workers, if offered the job, are given short-term, on-the-job training.

How College Education Can Affect Rates

Rates will not be affected by prior college education or continued education.

With that being said, the Federal Employee Education and Assistance Fund offers scholarships to federal employees, and (though technically not federal employees) this offer extends to postal workers as well.

Top Schools for Postal Workers

To become a postal worker, one does not need to seek post-secondary education. In fact, usually only a high school diploma is required.

What are the job responsibilities for postal workers?

Postal Service clerks perform any number of tasks in a post office, such as receiving letters and parcels, selling stamps, filling out and selling money orders, placing mail in racks or bags, and examining mail for correct postage.

Mail carriers collect and deliver the mail to homes and businesses on planned routes.

Why do insurers ask about your occupation?

Insurance companies peruse the topic of risk, namely by evaluating statistics that have been established over the years.

It stands to reason that some jobs are statistically less dangerous than others.

This extends to being in a car as well. For postal workers, for example, especially ones who use their own vehicles, there is an increased amount of time on the road as opposed to office-bound professions.

Should you tell your insurer when you change jobs?

Insurance companies look at the failure to disclose a job change as a valid reason to terminate coverage. So a short answer to whether you should inform your insurance provider of a career change is yes. Your job can affect your auto insurance.

You would tell an insurance provider if you were switching your ZIP code, wouldn’t you? Whenever faced with a choice of being honest or not, stick to the side of honesty.

How does your job affect your auto insurance?

An unfortunate and anachronistic trend is lower-income workers being charged higher rates for liability coverage. This is because insurers believe a low-income job adversely affects the probability of being able to pay a claim.

The New York Public Interest Research Group (NYPIRG) conducted a study in 2014 to determine rate-setting practices.

The target population was reflected in the form of a 30-year-old single female living in a middle-class residential area. Her income was between $30,000 and $40,000 annually.

Her vehicle was a 2008 Honda Civic, which she drove about 7,500 miles per year with no history of accidents or citations.

The independent variables were education and job title. For each insurance provider, two versions of this 30-year-old woman were submitted.

They found that the lower-income variation of the woman was charged a higher rate by most insurance providers an average of 18%.

This is why it’s important to shop around and determine which insurance provider truly has your best interests in mind.

What are the mandatory auto insurance coverages?

These insurance policies must be carried by drivers who want to operate cars on U.S. roads.

  • Property damage liability – This coverage option pays for repairs to the other party’s vehicle or other property when the insured is at fault in an accident.
  • Bodily injury liability – If a given driver is injured during an accident with the insured vehicle, bodily injury liability coverage pays for any resulting medical bills. Given the very high cost of modern health care, this coverage option is vital.
  • Personal injury protection (PIP) – PIP provides for the medical care of the driver and passengers of the insured vehicle in the event of a car accident. Some PIP policies are set up to provide lost wage payments as well. PIP is usually, but not always, required as part of a state’s minimum coverage requirements.

Now that we have covered what you must have, let’s delve into what you may like to have.

What are optional auto insurance coverages?

These insurance policy items are optional but can provide extra protection for those who choose to carry them.

  • Collision coverage – When an accident occurs between the insured vehicle and another car, collision coverage pays for the repairs to the insured vehicle. In situations where the accident is the fault of the insured driver, this coverage can help them get their car back onto the road as quickly as possible.
  • Glass coverage – When a windshield or other car window is damaged while a car is in operation, glass coverage can pay for repair or replacement.
  • Uninsured motorist coverage – Unfortunately, there are many uninsured drivers on the nation’s highways, and accidents with these drivers can leave law-abiding motorists with big repair bills. Uninsured motorist coverage works to protect insured drivers and their cars from these drivers. Uninsured motorist coverage is sometimes, but not always, required.
  • Comprehensive coverage – Cars are often damaged by events that don’t include car accidents. These can include fires, hailstorms, vandalism, flood damage, and theft.

Postal workers perform a vital service for the nation and help to keep the wheels of commerce turning.

These people work through rain or shine, and sometimes put themselves at risk to fulfill their missions.

The least that they can expect is affordable auto insurance coverage and, with the help of auto insurance comparison shopping websites, they can certainly expect to get it.

What’s the final word on auto insurance for postal workers?

Despite not technically being labeled a federal employee, there is still a good chance your chosen insurance provider could provide you with a discount.

Ask about USPS auto insurance discounts, USPS carrier insurance discounts, or post office worker discounts. With some effort, you can buy auto insurance for postal employees that won’t break the bank.

Are you ready to buy auto insurance for postal employees? Enter your ZIP code and find out what postal worker discounts are available to you by using our free rate tool below.

Which auto insurance company for postal employees is right for you? Find out now.

Frequently Asked Questions: Auto Insurance for Postal Employees

#1 – You said I should be honest about my career change. What if I lie?

The insurance company will consider this “soft fraud” and you can be denied services.

#2 –What does auto insurance cover?

Auto insurance will cover you, your car, and others in an accident in most states.

#3 – Is auto insurance required?

Yes, in almost every state in the United States.

#4 – What happens if I do not get auto insurance?

If you are uninsured at the time of an accident, you face the very likely repercussion of a lawsuit.

#5 – What is the cheapest policy type?

The cheapest policy type is auto liability, though the insurance provider will recommend that you purchase more.

#6 – What if I forget to pay my auto insurance?

For your first offense, you will get a mailed warning notice. For your second offense, you will receive a late charge or have your policy canceled.

References:

  1. https://www.bls.gov/ooh/office-and-administrative-support/postal-service-workers.htm

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