Cheap Auto Insurance for Postal Employees in 2024 (Big Savings With These 9 Companies!)
When you need cheap auto insurance for postal employees, USAA, Geico, and State Farm have the lowest rates. USAA offers coverage starting at $22 per month, but you can find USPS car insurance discounts for non-military drivers elsewhere. Other options to save include UBI programs and safe driving discounts.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Mar 18, 2024
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: Mar 18, 2024
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.
On This Page
6,433 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
6,433 reviews
19,116 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
17,754 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
17,754 reviewsFinding cheap auto insurance for postal employees is easy when you shop with at the companies with the lowest rates: USAA, Geico, and State Farm. USAA has the cheapest postal car insurance, but only former and current military members qualify.
Postal workers can purchase minimum coverage from USAA for an average of $22 per month. USAA also offers affordable full coverage, but your rates will increase if you purchase more types of auto insurance.
| Company | Rank | Monthly Rates | UBI Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $22 | 30% | Military Members | USAA |
 | #2 | $30 | 25% | Government Discounts | Geico |
 | #3 | $33 | 30% | Low Rates | State Farm |
 | #4 | $37 | 30% | Coverage Options | Travelers |
 | #5 | $38 | $321/yr | Budgeting Tools | Progressive |
 | #6 | $43 | 20% | Claims Service | American Family |
 | #7 | $44 | 40% | Vanishing Deductible | Nationwide |
 | #8 | $53 | 30% | Discount Options | Farmers |
 | #9 | $61 | 40% | UBI Savings | Allstate |
Read on to explore which companies offer postal employee discounts and the cheapest auto insurance for postal workers. Also, enter your ZIP code above to compare quotes from the top providers.
- USAA has the cheapest car insurance for postal workers
- The average USPS worker pays $40 per month for minimum coverage
- Many companies offer a USPS car insurance discount
#1 – USAA: Cheapest Rates for Military Families
Pros
- Low rates: USAA is almost always the cheapest option for car insurance, no matter where you live or what type of driver you are.
- Financial services: Aside from offering superb insurance, USAA also has a variety of financial services for members to take advantage of. These include retirement and banking services.
- Military discounts: Aside from standard savings you can find at most companies, USAA also has discounts that former military members now working as postal workers will enjoy.
Cons
- Membership required: Only active and retired military members and their families are eligible for USAA membership. You can find out more about eligibility requirements in our USAA auto insurance review.
- Rates are higher for some drivers: While USAA is usually the cheapest option on the market, drivers with a DUI will likely find more affordable coverage with another company.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#2 – Geico: Best Federal Discounts
Pros
- Federal discount: Geico offers a discount for federal and government employees among its 16 discounts. Most postal workers qualify for this USPS employee car insurance discount, but you can learn more in our Geico auto insurance review.
- User-friendly tools: It’s easy to manage your policy online by visiting the Geico site or downloading the mobile app.
- Affordable rates: If you don’t qualify for USAA membership, Geico is probably your cheapest option for post office car insurance.
Cons
- Some drivers pay more: If you need high-risk auto insurance, you’ll probably find cheaper coverage with a provider other than Geico.
- Mixed reviews: Although many customers are happy with their policies, Geico struggles with its claims resolution ratings.
#3 – State Farm: Best for Affordability
Pros
- Extensive network of agents: State Farm makes it easy to get face-to-face help with its extensive network of local agents.
- Ample discounts: While it doesn’t have a specific USPS car insurance discount, State Farm offers 13 ways to save. Some of the most popular options include bundling policies and safe driver discounts.
- Low rates: United States Postal Service workers might find State Farm’s rates to be the lowest in their area, depending on factors like your driving history.
Cons
- Lacking online options: State Farm offers excellent personal service through its agents, but drivers looking for online quote tools are in for disappointment. You need to speak with a representative to purchase a State Farm policy.
- Higher rates for some drivers: While it usually has affordable car insurance for postal workers, State Farm has higher rates for people with bad credit scores. To see more about average rates, check out our State Farm auto insurance review.
#4 – Travelers: Best for Diverse Coverage Options
Pros
- Federal discount: Travelers offers postal worker discounts, though you’ll need to check with a representative as availability varies by state.
- Unique coverage: Travelers offers add-ons that can be hard to find at other companies, like new car replacement coverage and gap insurance. Explore all your add-on options in our Travelers auto insurance review.
- Solid customer service: Many policyholders report satisfaction with Travelers’ claims resolution and customer service experience.
Cons
- Coverage varies by location: While Travelers offers several excellent coverage options, some add-ons have limited availability. For example, Travelers’ rideshare insurance is only available in two states.
- Rates are less competitive: Travelers usually doesn’t have the highest rates, but you’ll probably find cheaper auto insurance for postal workers at other companies.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#5 – Progressive: Best for Drivers on a Budget
Pros
- Name Your Price tool: If you need postal car insurance under a specific price, Progressive offers the Name Your Price tool. Enter your insurance budget in the tool, and Progressive will give you coverage options to match.
- Multiple discounts: Progressive doesn’t have specific USPS employee discounts, but it does have plenty of ways to save. Save on your Progressive insurance with discounts for things like safe driving, customer loyalty, and having a teen driver on your policy.
- Low rates: Progressive offers affordable USPS insurance rates, often taking the cheapest spot in many states.
Cons
- Some drivers pay more: Progressive is often a cheap option for insurance, but drivers with an at-fault accident on their record will likely see higher rates.
- Claims resolution problems: Despite recent improvements, Progressive still struggles with its claims satisfaction ratings. To learn more about what improvements have been made, read our Progressive auto insurance review.
#6 – American Family: Best for Claims Service
Pros
- Possible USPS discounts: American Family offers affinity discounts for some organizations, which might include the postal service. Ask a representative to see if American Family has discounts for USPS employees in your state.
- Good coverage options: Purchase additional coverage to expand your American Family policy, like rideshare or gap insurance.
- Convenient online tools: American Family makes it easy to sign up for coverage, manage your policy, and start claims with its highly-rated online tools.
Cons
- High rates for some drivers: Like many other companies that usually offer affordable coverage, American Family charges higher rates for people with bad credit scores.
- Not available everywhere: American Family sells auto insurance in just 19 states. To see if American Family sells policies in your state, check out our American Family auto insurance review.
#7 – Nationwide: Best for Deductible Savings
Pros
- Excellent discounts: Nationwide offers 11 discounts, which might include an affinity discount for postal workers. Check with a representative to see if you qualify for a Nationwide USPS discount in your state.
- Competitive rates: Unlike many of its competitors, Nationwide offers affordable rates to drivers with low credit scores.
- Vanishing Deductible program: Join Nationwide’s Vanishing Deductible program to save $100 on your deductible for every year you spend claims-free. Learn more about the Vanishing Deductible program in our Nationwide auto insurance review.
Cons
- Limited local agents: With a focus on online policy management, Nationwide has a smaller network of local agents. Finding face-to-face help can be difficult in some areas.
- High-risk drivers pay more: If you have a DUI or at-fault accident on your record, Nationwide might not be the best choice for insurance.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#8 – Farmers Insurance: Best Discount Options
Pros
- Representative availability: Farmers maintains a large network of insurance representatives to help drivers buy new policies, understand their coverage, and file claims.
- Extensive discounts: Farmers offers 23 discounts to help drivers save, which might include a USPS discount depending on where you live. Read our Farmers auto insurance review to learn more.
- Excellent coverage options: It’s easy to customize a Farmers policy as the company offers a range of coverage options. Popular choices include customized equipment coverage, personal umbrella insurance, and roadside assistance.
Cons
- No new policies in Florida: Farmers Insurance announced in 2023 plans to suspend the sale of new car insurance policies in Florida.
- Higher rates: Postal workers looking for the cheapest coverage possible will probably find cheaper rates with other companies.
#9 – Allstate: Best UBI Savings
Pros
- Drivewise: While most companies offer usage-based car insurance, Allstate’s Drivewise has one of the best discounts. At 40%, Drivewise offers safe drivers an excellent opportunity to save. See if this UBI program might be right for you in our Allstate Drivewise review.
- Other discount opportunities: Drivers can save on their insurance with some of the 12 discounts Allstate offers, like savings for staying accident-free or bundling policies.
- Claims satisfaction guarantee: Allstate guarantees the work it does in any claim it resolves. If you’re unsatisfied with how your claim was resolved, Allstate will apply a credit for future premiums to your account. Learn more about the claims satisfaction guarantee in our Allstate auto insurance review.
Cons
- Customer reviews are mixed: While the company has many satisfied customers, Allstate also has a number of policyholders who report a negative customer service experience.
- Higher rates: Allstate is almost always one of the most expensive options for car insurance. If you’re looking for the cheapest coverage possible, Allstate is probably the wrong choice.
Auto Insurance Rates for Postal Employees
Postal employees tend to see affordable car insurance rates, especially if they can find a USPS discount. Take a look below to see how much you might pay for minimum and full coverage from our cheapest companies.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $85 | $160 |
| American Family | $65 | $130 |
| Farmers | $75 | $150 |
| Geico | $65 | $120 |
| Nationwide | $70 | $140 |
| Progressive | $80 | $150 |
| State Farm | $70 | $130 |
| Travelers | $75 | $140 |
| USAA | $55 | $110 |
Compared to other drivers in the country, many postal workers enjoy low rates. However, keeping your insurance costs down depends on finding discounts.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
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.
- 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, many companies offer 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.
Since many 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. You can apply for a quote the same way, but make sure to ask your APWU representative for the steps to take to get your discount.
Members can also get APWU 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 might 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 a few insurance companies offer auto insurance discounts for federal employees, including postal workers — Farmers and Geico among them.
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.
How to Get Cheap 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 car insurance requirements 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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Find Cheap 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.
How much difference can car insurance discounts 💰make in your premiums? How do you get the discounts you deserve? https://t.co/27f1xf1ARb has written a guide 📰to make it easy. For all things discount, check out👉: https://t.co/JEnTbtVTG3 pic.twitter.com/7jqUU0ejiP
— 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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed 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.