Auto Insurance for Postal Employees (2024)
Auto insurance for postal employees is essential but qualifies for savings — some companies offer USPS car insurance discounts. Geico offers 12% off auto insurance rates for federal employees, including postal workers, and American Postal Workers Union members earn Farmers Insurance discounts.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 13, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Oct 13, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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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202 reviews- Postal employees are covered under the USPS auto insurance policy when driving USPS-owned vehicles but need to obtain a private policy for their own vehicle
- You must meet USPS rural carrier vehicle insurance requirements if you use your own car to deliver mail
- Postal workers may be eligible for certain auto insurance discounts available to government employees
Finding adequate yet affordable auto insurance for postal employees can seem daunting at first, especially knowing that the most basic types of auto insurance won’t offer sufficient protection.
This guide will help you navigate the many car insurance options for postal employees, find available USPS insurance discounts, and compare rates and options from the best auto insurance companies. Many USPS insurance companies offer suitable options, so it’s worth shopping around to get the best deal.
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Finding the Right Auto Insurance for Postal Employees
Car insurance for postal employees generally costs about the same as the average policy.
If you’re an employee of the U.S. Postal Service (USPS), your work vehicle will be covered by the government’s auto insurance policy. Still, you will need to get a private policy that meets the minimum auto insurance required in your state for your personal vehicle.
If you get into a driving accident while driving a USPS-owned vehicle and you’re the at-fault driver, the USPS will pay for the damages. If the other driver was at fault, their insurance company would reimburse the USPS.
If you use your personal vehicle to deliver mail, the USPS auto insurance policy won’t cover the damages as it only protects USPS-owned postal vehicles. As a postal worker using your own vehicle to deliver mail, you must carry a commercial policy as well as personal auto insurance.Michael Vereecke Commercial Lines Coverage Specialist
Read more about the best commercial auto insurance companies. If you work in a rural area, you’re probably using your own vehicle and may need to obtain rural carrier auto insurance to protect you on the road.
Auto Insurance Discounts for Postal Employees
There are many postal worker auto insurance discounts available to reduce your insurance rate as a USPS driver:
- Group discounts: Many insurance companies offer group discounts for postal workers. For example, Ameriprise offers a Gold Star discount of 15% to Costco members and an Executive discount of 15%, including automatic renewal and free roadside assistance.
- Good driver discounts: A spotless driving record will ensure a good driver auto insurance discount or even a cash rebate with some insurance agencies. All available insurance companies offer good driver discounts, except Country Financial, Liberty Mutual, and The Hanover.
- Safe vehicle discounts: Some insurance companies will offer you an additional discount if your vehicle includes certain safety features, such as anti-lock brakes or driver awareness systems. Learn how to get an anti-lock brake auto insurance discount.
- Age-related discounts: You might be eligible for senior discounts if you’re nearing retirement age. Read more about auto insurance for seniors.
- Low-mileage discounts: If you don’t cover many miles with your vehicle, all but three companies — 21st Century, Ameriprise, and Safe Auto — will offer you a low-mileage auto insurance discount.
- Bundling: Deciding to use the same insurance company to cover your car, home, or renters insurance can bring you considerable savings. Every insurance provider offers a bundling discount except for Safe Auto, as Safe Auto only provides auto insurance.
Since most companies offer USPS auto insurance discounts, make sure to shop around to find the best deal available.
American Postal Workers Union (APWU) Auto Insurance
Members of the American Postal Workers Union (APWU) could also qualify for discounted auto and home insurance from Farmers Insurance. Read our Farmers auto insurance review to learn more.
APWU members can also get group auto insurance savings for automatic payments, good driving, multiple policies, and multiple vehicles.
Read More:
- How to Get an Electronic Automatic Billing Auto Insurance Discount
- How to Get a Good Driver Auto Insurance Discount
- How to Get a Multi-Vehicle Auto Insurance Discount
Your APWU car insurance also unlocks condo, renter’s, boat, and personal excess liability insurance.
Best Auto Insurance Companies for Postal Employees
As a government employee, you’ll most likely be recommended TruStage auto insurance, an auto and home insurance program under the U.S. Postal Service Federal Credit Union. Learn more about the company by visiting our TruStage auto insurance review.
While all insurance companies provide auto insurance for USPS employees, not all of them offer special post officer discounts. Only four insurance companies offer auto insurance discounts for federal employees, including postal workers — Farmers, Geico, Liberty Mutual, and MetLife.
For example, the Geico federal employee auto insurance discount — or Eagle Discount — is available for active or retired federal government employees grade GS-7 and above. The Eagle Discount can save you up to 12% on your auto insurance rates. You can get several Geico auto insurance discounts, but you should still shop online and compare savings to other top companies.
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How to Find Affordable Auto Insurance for Postal Employees
USPS rural carrier vehicle insurance requirements vary depending on whether you’re using your own car or a USPS-owned one to deliver mail. However, as a postal employee driving your own vehicle, you’re eligible for discounts and special offers intended for government employees. Read more about auto insurance for public sector workers.
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— AutoInsurance.org (@AutoInsurance) August 10, 2023
Instead of getting a cheap auto insurance policy that won’t protect you adequately, shop around for the best deal available to obtain sufficient coverage and ask for USPS car insurance discounts. Use our free quote comparison tool below to find cheap USPS auto insurance in your area.
Frequently Asked Questions
Are there any specific auto insurance options for postal employees?
Yes, some insurance companies offer specialized auto insurance policies tailored to postal employees. You should also consider getting car insurance with the American Postal Workers Union (APWU) to unlock more discounts.
What vehicle insurance does USPS use?
The U.S. Postal Service is exempt from auto insurance laws since it’s a government agency, meaning the USPS is self-insured.
Do postal employees get discounts on car insurance?
Yes, postal employees may be eligible for discounts on their auto insurance. Insurance companies may offer reduced rates based on the assumption that postal employees have safe driving habits due to their familiarity with their delivery routes.
Do postal employees require commercial auto insurance?
In most cases, postal employees don’t require commercial auto insurance for their personal vehicles. However, if they use their personal vehicle extensively for work-related purposes beyond normal commuting, we recommend you call your insurer for more information.
Can postal employees use their personal vehicles for work purposes?
Postal employees may need to use their personal vehicles for work, such as delivering mail or packages. However, it’s essential to inform their insurance company about the use of their vehicle for work-related purposes to ensure adequate coverage to meet USPS rural carrier vehicle requirements.
What is the best auto insurance for rural mail carriers?
Farmers, Geico, MetLife, and Liberty Mutual all offer specialized policies for postal employees and rural mail carriers.
What kind of auto insurance discounts do postal employees get?
Postal employees qualify for federal and state employee discounts, which can earn 12-15% off annual rates depending on the company.
What type of insurance do USPS employees get?
The USPS provides health and life insurance to its employees and auto insurance coverage on its mail trucks, but postal workers are responsible for their personal auto insurance policies.
Are postal employees federal employees?
Yes, postal workers are federal employees and earn all associated discounts and benefits.
How long do you have to work at USPS to get a pension?
You must be employed by the USPS for five years to earn pension benefits.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance 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.