Usps Worker? Here's Which Auto Insurance You Need

Postal workers in the US are often eligible for auto insurance discounts, with companies like GEICO, Farmers, Liberty Mutual, and MetLife offering between 5% and 7% discounts for active and retired postal employees. Postal workers are also eligible for federal employee discounts, which can further reduce their insurance costs. The average cost of postal employee car insurance is around $125 per month, but this can vary depending on factors such as driving history, age, vehicle type, and location.

Discounts for government employees

Postal workers are considered government employees and can benefit from discounts on their auto insurance.

GEICO

GEICO, which stands for Government Employees Insurance Company, offers a federal employee discount of up to 12% for active or retired federal government employees at a GS-7 level or above. The company also offers a membership discount for specific federal groups. However, only one federal employee discount can be used at a time. GEICO also has 16 other discounts, including one for safe drivers.

State Farm

State Farm does not offer a specific USPS car insurance discount, but it does have 13 ways to save, including bundling policies and safe driver discounts. It also has one of the largest networks of local agents.

Progressive

Progressive does not have a specific USPS employee discount, but it does have plenty of ways to save. Discounts include savings for safe driving, customer loyalty, and having a teen driver on your policy.

Allstate

Allstate does not offer a specific discount for government employees, but it does have 12 other discounts, including savings for staying accident-free or bundling policies.

Farmers Insurance

Farmers Insurance offers an affinity discount for military members and members of select businesses, occupational groups, and professional associations. Federal employees might be eligible for a discount depending on their location and workplace.

Liberty Mutual

Liberty Mutual offers a federal employee discount, but it might not be available in all states. The company also has 17 other discounts.

Nationwide

Nationwide does not have a specific USPS discount, but it does offer an affinity discount for postal workers. Check with a representative to see if you qualify.

Travelers

Travelers offers a postal worker discount, but availability varies by state.

American Family

American Family offers affinity discounts for certain organizations, which may include the postal service. Check with a representative to see if you qualify.

USAA

USAA offers coverage for current and former military members and their families. It is the cheapest option for car insurance in every state.

Postal workers' insurance coverage

Postal workers have several options for auto insurance, with some companies offering specialised policies and discounts. The best auto insurance for postal workers is offered by Progressive, State Farm, and Geico, with rates starting at $30 per month. These companies offer low postal insurance rates through generous discounts and robust UBI programs.

USAA, which offers coverage starting at $22 per month, is the cheapest option for car insurance for postal workers, but it is only available to former and current military members.

Other companies that offer specialised policies for postal employees and rural mail carriers include Farmers, MetLife, and Liberty Mutual.

Postal workers are also eligible for federal and state employee discounts, which can earn them 12-15% off annual rates, depending on the company. For example, Geico offers a federal employee discount of up to 12% for active or retired federal government employees at grade GS-7 and above.

Postal workers can also save on their auto insurance by taking advantage of group discounts, good driver discounts, safe vehicle discounts, age-related discounts, and low-mileage discounts.

It is important to note that if postal workers use their personal vehicles for work purposes, such as delivering mail, they must carry a commercial policy in addition to their personal auto insurance.

The USPS provides health and life insurance to its employees, but postal workers are responsible for their personal auto insurance policies.

Insurance for rural carriers

Rural postal workers in the United States are typically supplied with official vehicles by their local postal stations. These postal trucks are automatically insured and registered by the U.S. Postal Service. However, in rural and sparsely populated areas, USPS has a rural carrier program that allows citizens to deliver mail in their own vehicles for a stipend.

Rural postal employees who use their personal vehicles for work must carry commercial auto insurance in addition to their standard auto insurance policy. Failure to do so may result in the insurance company denying any claims made during mail delivery.

Rural carriers are advised to be honest with their insurance provider about their job as a rural mail carrier. While this may result in higher premiums, it is important to ensure adequate coverage.

National General Insurance is one company that offers specialized insurance coverage for rural letter carriers, including liability protection both on and off the assigned route. This insurance group is endorsed by the National Rural Letter Carriers' Association (NRLCA) and has been providing insurance to carriers and their families for over 65 years.

Other insurance companies that offer specialized policies for postal employees and rural mail carriers include Farmers, Geico, MetLife, and Liberty Mutual.

It is recommended that rural carriers shop around for the most affordable insurance quotes and take advantage of any available discounts for government employees.

Recommended insurance companies

Postal workers can take advantage of auto insurance discounts, thanks to their dedication to public service and safe driving habits. Here is a list of recommended insurance companies for USPS workers:

USAA

USAA offers the cheapest car insurance for postal workers, with coverage starting at $22 per month. However, it is only available to former and current military members and their families. USAA also provides financial services and banking, along with high customer satisfaction and financial ratings.

Geico

Geico is a great option for postal workers, offering a 5% discount for active and retired postal employees. They have affordable rates, a user-friendly website and app, and high customer satisfaction. Geico also offers a federal employee discount of up to 12% for those at grade GS-7 and above.

State Farm

State Farm is one of the largest insurance companies in the US, with high levels of customer satisfaction and affordable rates. They offer a wide variety of discounts and have an extensive network of local agents. State Farm is a good choice for those with speeding tickets or accidents on their record.

Travelers

Travelers offer postal worker discounts, though availability varies by state. They provide unique coverage options, such as new car replacement and gap insurance. Travelers also have solid customer service, with many policyholders reporting satisfaction with their claims resolution.

Progressive

Progressive is known for its digital tools and coverage options, including the Name Your Price tool, which allows you to find coverage within your budget. They also have affordable rates and a range of discounts. However, they have received some complaints about unexpected rate increases and poor claims handling.

Farmers

Farmers Insurance has partnered with the American Postal Workers Union (APWU) to offer special discounts to its members. They offer a 7% discount for postal employees with a clean driving record and have a large network of insurance representatives.

Liberty Mutual

Liberty Mutual provides a 5% discount for active and retired postal employees. They offer unique coverage options, such as new car replacement and original parts replacement coverage. Liberty Mutual also has 24/7 customer support.

MetLife

MetLife offers a 7% discount for active and retired postal employees.

Allstate

Allstate provides a range of coverage options, including roadside assistance and new car replacement coverage. They also have two usage-based insurance programs, Milewise and Drivewise, which can offer significant discounts for safe drivers. However, Allstate is generally more expensive than other options.

Nationwide

Nationwide offers the Vanishing Deductible program, which reduces your deductible by $100 for every year you spend claims-free, up to $500. They also have the SmartRide UBI program, which can provide discounts of up to 40%.

How to get cheap auto insurance

• Shop around and obtain quotes from multiple insurance providers.
• Maintain a good driving record and consider taking a defensive driving course.
• Inquire about occupational discounts or any other available discounts you may be eligible for.
• Opt for a vehicle with good safety features and a low cost of repair and replacement.
• Bundle insurance policies, such as homeowners or renters insurance, for potential multi-policy discounts.
• Compare rates by entering your ZIP code in a free comparison tool.
• Choose a good, reputable car insurance company that takes care of you as well as your wallet.
• Save money with discounts such as the online purchase discount, multi-car discount, claims-free discount, and more.
• Lower your insurance premium by adding discounts such as the e-signature discount, electric vehicle discount, multi-policy discount, and pay-in-full discount.
• Join the U.S. Postal Service Federal Credit Union to open up more discounted rates and help you buy postal employee car insurance at a discount.
• Take advantage of government employee discounts offered by companies such as Geico and Liberty Mutual.

Frequently asked questions