Auto Insurance for Postal Employees (Rates + Discounts)

US postal workers need adequate car insurance to protect them. Learn what kind of insurance is required for postal workers and how to reduce the cost of coverage with post officer discounts.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 25, 2022

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Things to Remember

  • 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 might need rural carrier auto insurance if you use your own vehicle to deliver mail
  • Postal workers may be eligible for certain auto insurance discounts available to government employees

Postal employees drive many miles on a given day. Finding adequate yet affordable auto coverage can seem daunting at first, especially knowing that the most basic types of auto insurance coverage won’t offer sufficient protection. 

This guide will help you navigate the many car insurance options for postal workers, find available discounts, and ensure that you’ve got the cheapest auto insurance company. Many insurance companies offer suitable options, so it’s worth shopping around to get the best deal.

Car Insurance Options for Postal Workers

Car insurance for postal employees generally costs about the same as the average policy. However, as a postal worker using your own vehicle to deliver mail, you will be required to carry a commercial policy that meets the minimum auto insurance required in your state. 

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 when using 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. 

However, 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. 

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. As a government employee, you’ll most likely be recommended TruStage™, an auto and home insurance program under the U.S. Postal Service Federal Credit Union. You might also be eligible for special discounts available for USPS employees, which we’ll discuss later.

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What kind of insurance rates can I expect as a postal worker?

As a postal employee using your own car, you’ll need at least the minimum coverage as required by your state. The highest average insurance rates come in Louisiana, while South Dakota generally offers the most affordable auto insurance rates. 

Many insurance companies offer suitable options, so it’s worth shopping around to get the best deal. You can also achieve additional savings on your insurance policy by maintaining good driving records, improving your credit score, and bundling your car insurance with other homeowners or life insurance policies.

What car insurance post officer discounts can I utilize?

There are many options available to reduce your insurance rate as a postal worker:

  • Group discounts. Eleven 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 discount or even a cash rebate with some insurance agencies. All of the 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. 
  • Age-related discounts. If you are nearing retirement age, you might be eligible for mature driver discounts. 
  • 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 rebate.
  • Bundling. Deciding to use the same insurance company to cover your car, your 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 car insurance discounts, make sure to shop around to find the best deal available.

Which companies offer auto insurance discounts for postal workers?

While all insurance companies provide auto insurance for USPS employees, not all of them offer special post officer discounts. Only four insurance companies offer insurance discounts for federal employees, including postal workers. These companies are 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. 

The Final Word on Post Officer Discounts for Car Insurance

Your insurance requirements change depending on whether you’re using your own car or a USPS-owned one to deliver mail. But as a postal employee driving your own vehicle, you’re eligible for discounts and special offers intended for government employees. 

Instead of getting a cheap policy that won’t protect you adequately, make sure to shop around for the best deal available to obtain sufficient coverage. 

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