• News
  • Guides
  • Reviews
  • Media
  • About
  • News
  • Guides
  • Reviews
  • Media
  • About
Sign up Now (For Free)

Sign up for our newsletter and receive the latest automotive news in your inbox!

Invalid email address
We promise not to spam you. You can unsubscribe at any time.
Thanks for subscribing!
News
Read Now
  • All News
  • Automakers
  • Automobiles
  • Auto Shows
  • Business
  • EVs & Environment
  • Guides
  • Lawsuits/Legal
  • Regulatory
  • Ride-Sharing
  • Safety & Recalls
  • Technology
Recent
  • Q&A: Mazda North America’s CEO Jeff Guyton
  • Tesla Owners Stung by Capitalism
  • Mercedes Updates GLE Models for 2024 Model Year
  • First Look: Mazda’s Bigger, More Luxurious New CX-90
  • GM Net Income Rises for Q4 But Falls for Full Year 2022
  • GMC Launches Production of Hummer SUV; Needs Until 2024 to Fill Outstanding Orders
  • Vehicle Sales Up for January Despite Ongoing Challenges
  • Bidding Adieu to Bugatti’s W16 Engine
  • Ford “Significantly” Raising Production of Mustang Mach-E While Reducing Prices “Across the Board”
  • Week Ahead: Numbers, Numbers and More Numbers
Editor’s Choice
    Reviews
    Read Now
    • All Reviews
      • Feeder
    • Classic Cars
    • Concept Cars
    • Convertibles
    • Coupes
    • Crossovers/CUVs
    • Diesel
    • Hot hatches
    • Hybrids
    • Luxury Vehicles
    • Minivans
    • Muscle Cars
    • Pickups
    • Sedans
    • Sports Cars
    • Super Cars
    • SUVs
    Recent Reviews
    • A Week With: 2023 Hyundai Palisade Calligraphy
    • A Week With: 2023 Ford F-150 Raptor R 4x4 Super Crew
    • A Week With: 2023 Genesis Electrified G80 AWD
    • A Week With: 2023 Land Rover Defender 110 V-8
    • First Drive: 2023 Honda Pilot TrailSport
    • A Week With: 2023 Jaguar F-Type R Coupe
    • A Week With: 2023 GMC Yukon Denali Ultimate
    • A Week With: 2023 Genesis GV60 Performance
    • A Week With: 2023 Chevrolet Suburban Z71
    • A Week With: 2023 Lexus UX 250h F Sport
    Editor’s Choice
      Guides
      Car Warranty
      • Endurance Warranty Reviews
      • BMW Extended Warranty
      • Extended Warranty For Cars Over 100k Miles
      • Extended Car Warranty Cost
      • Subaru Extended Warranty
      • CarShield Reviews
      • CarShield Cost
      • Aftermarket Car Warranty
      • CARCHEX Warranty Reviews
      • Reputable Extended Car Warranty Companies
      • Used Car Warranty Companies
      • Best Car Warranty
      • Is CarShield A Scam?
      • Mercedes Extended Warranty
      • CarShield Plans
      Insurance
      • How To Identify A Car Insurance Company
      • Geico Mechanical Breakdown Insurance
      • How Far Back Does A Car Insurance Company Look
      • Mechanical Breakdown Insurance For Used Cars
      • State Farm Mechanical Breakdown Insurance
      • Mechanical Breakdown Insurance From Progressive
      • Dollar A Day Insurance
      • Auto Insurance For SSI Recipients
      • Car Insurance Rates After A Suspended License
      • Auto Insurance For Salvage Vehicles
      • Average Cost of Dodge Ram 1500 Car Insurance
      • Car Insurance Florida
      • Full Coverage Auto Insurance
      • GrubHub Insurance
      • Amazon Delivery Auto Insurance
      Shipping
      • Car Shipping Companies
      • uShip Reviews
      • Auto Shipping From California To Hawaii
      • Montway Auto Transport Reviews
      • Cheap Car Shipping
      • Easy Auto Ship Reviews
      • Auto Shipping Miami
      • Auto Shipping To Alaska
      • Car Shipping Cost
      • Auto Shipping Hawaii
      • Auto Shipping Puerto Rico
      • Sherpa Auto Transport Reviews
      • Auto Shipping Atlanta
      • Auto Shipping Boston
      • Auto Shipping. Chicago
      About
      • About Us
      • Contact Us
      • Terms of Use
      • Privacy Policy
      • Affiliate Disclosure
      • Sitemap
      TheDetroitBureau.com

      More than just “another” place to find news, reviews, spy shots, commentary, features, and guides about the auto industry. TheDetroitBureau doesn’t stop with the press releases or confuse a few lines of opinion with insightful, in-depth reporting.

      Contact Us

      Like what you see? Have some ideas for making The Detroit Bureau.com even better? Let us know, we’d love to hear your voice.

        Media
        Listen Now
        • Headlight News: All Episodes
        More from TheDetroitBureau
        • Guides
        • Latest News
        • Auto Reviews
        • Podcasts
        Headlight News

        TheDetroitBureau.com’s Headlight News offers a look at the past week’s top automotive news stories, as well as what’s coming up in the week ahead. Check out the week’s top story and our latest review…along with a dive into the past with this week in automotive history.

        home > guides > Insurance > Auto Insurance for Postal Employees

        Auto Insurance for Postal Employees

        Here is your guide for finding great coverage as a postal carrier.

        TDB Reviews Team
        TDB Reviews Team
        June 18, 2021

        FIND OUT HOW MUCH YOU CAN

        SAVE ON YOUR CAR INSURANCE

        SAVE ON YOUR CAR INSURANCE

        Affiliate Disclosure

        You might be surprised to learn that there are several types of auto insurance for postal employees. Many of the nation’s largest insurers offer specialty coverage that will protect you when making deliveries for the United States Postal Service (USPS).

        If you’d like to learn more about your options, this guide to auto insurance for postal employees offers some tips for finding an excellent commercial policy. Our experts have reviewed the nation’s best car insurance providers so that you can find affordable rates for federal employees.

        Auto Insurance for Postal Employees: What You Need to Know

        Any driver that uses their vehicle for work will want to consider special insurance, including U.S. Postal Service (USPS) carriers, food delivery drivers and rideshare employees.

        A traditional auto insurance policy is intended to protect you when using your vehicle for personal tasks. As soon as you begin using your car to make money, your personal coverage is no longer sufficient to protect you. In specific states or areas of your state, you may need rural carrier car insurance, which we discuss in further detail below.

        However, if you operate a USPS-owned vehicle, you will be covered by a USPS insurance policy. The postal company policy will provide bodily injury coverage, comprehensive coverage and other protections, just like most additional insurance plans do.

        Does the USPS Have an Auto Insurance Policy?

        Since the USPS is a federal government entity, it is not required to adhere to traditional auto insurance laws that state legislators institute. This means that the USPS does not have to partner with a private insurance carrier. In fact, the USPS is self-insured.

        A self-insured company will pay out of pocket for any damages that occur in a traffic crash, assuming that its employee was at fault. If the other driver as considered at fault, that person’s insurance company would pay the USPS.

        Even though the USPS is self-insured, it will still not offer protections to employees using their personal vehicles to deliver mail. USPS coverage only protects agency-owned postal trucks. Doing otherwise would be extraordinarily costly and involve far too many variables. That is why drivers are required to get specialty coverage if they use their own cars to work.

        What is Rural Carrier Car Insurance?

        Most of the USPS carriers who drive their own vehicles work in rural areas. That is why commercial insurance coverage for USPS employees is frequently referred to as rural carrier car insurance. This type of coverage is essentially identical to commercial insurance coverage. However, your premium payments may be lower because you work exclusively in a rural area.


        Rates and Discounts on Auto Insurance for Postal Employees

        The cost of your auto insurance will be influenced by various factors, including which state you live in. According to the National Association of Insurance Commissioners, the following locations have the highest auto insurance rates:

        1. Louisiana
        2. Michigan
        3. District of Columbia
        4. Florida
        5. New York
        6. New Jersey
        7. Rhode Island
        8. Delaware
        9. Nevada
        10. Connecticut

        Louisiana residents have the highest annual auto insurance expenditures, coming in at $1,545.82 in 2018. The most affordable state in the nation is North Dakota, with an average auto insurance cost of only $686.08.

        As noted above, where you live is not the only thing that insurance companies look at when giving you a quote. Insurers will also generally consider factors like your age, marital status, gender, years of driving experience, annual miles driven and credit score.

        Typically, young male drivers experience the highest insurance rates because insurance agencies consider this specific demographic to be high risk. Conversely, as middle-aged female drivers are considered lower risk, they can obtain more affordable coverage as long as they have a clean driving record.

        Insurance companies are all about risk assessment. If an insurer believes that you pose a high risk for filing a claim, your premium will be more expensive.

        Government Employee Auto Insurance Discounts

        Fortunately, many providers offer discounted auto insurance for postal employees and other government workers. The companies that offer discounts include:

        • GEICO
        • Liberty Mutual
        • MetLife
        • Farmers

        In addition to government employee discounts, the above-listed insurance companies offer further opportunities to save money. Some other common discounts include a good driver discount, a multi-car discount, a multi-driver discount and a good student discount, just to name a few.

        There are other ways you can reduce the cost of your auto insurance. For instance, insurance companies will review your driving record and take into account what safety features your vehicle is equipped with, both of which can lower your rates. You can further enhance savings by bundling your auto insurance with other coverages, including homeowners insurance, renters insurance or life insurance.


        Our Recommendations for Auto Insurance

        Now that we have addressed the importance of auto insurance for postal employees, it is time to connect you with a great company. If you would like to obtain free quotes on auto insurance, consider using our simple rate comparison tool below. Whether you need full coverage insurance or a less comprehensive plan, it is important to compare multiple car insurance quotes to find the best rates.

        FIND OUT HOW MUCH YOU CAN

        SAVE ON YOUR CAR INSURANCE

        SAVE ON YOUR CAR INSURANCE

        GEICO: 9.1 out of 10.0

        GEICO was originally created specifically for government employees. While GEICO now serves the general public, it still offers some excellent government employee discounts. Our experts named GEICO the Best Overall insurance provider in the nation. GEICO offers flexible coverage choices and lots of other deals, too.

        State Farm: 9.1 out of 10.0

        State Farm did not finish as high in our rankings as GEICO, but it is still a fantastic company. We awarded State Farm with the designation of Best Provider for Students. If you have a student in high school or college, State Farm might be the perfect choice for you. The company has plenty of other coverage options as well, including insurance for rural carrier car insurance.


        FAQ: Auto Insurance for Postal Employees

        How does your job affect your auto insurance?

        Working for the post office can affect your auto insurance premiums in several ways. Government employees, including postal workers, are eligible for government employee discounts from companies like GEICO. In fact, GEICO´s name itself is an acronym, which actually stands for “Government Employee Insurance Company.” A few other providers also offer government employee discount programs.
        Your job can cause you to have to pay more for auto insurance. Despite the above-mentioned discounts, commercial policies cost more than a personal plan because your increased time on the road raises your chances of being involved in a crash.

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

        It depends on the situation. If a postal employee is involved in an accident that occurred while off-duty, their provider will likely cover the incident. Unfortunately, accidents that occur while making deliveries will not be covered without commercial auto insurance. The reason for this is because a standard insurance policy is designed to protect personal use activities, not commercial applications.

        What are rural postal carrier auto insurance requirements?

        Rural postal carriers have similar auto insurance requirements to any other driver that uses their vehicle for commercial purposes. This means that if a rural postal carrier uses their own car to make deliveries, they need special coverage. However, they may benefit from cheaper rates due to their location. Since rural areas have fewer vehicles on the road, the chances of being involved in an accident are far less than in urban areas.

        Does USPS have auto insurance?

        The USPS is a federal entity and is exempt from the vehicle insurance laws of every state. As such, the United States Postal Service is self-insured and does not carry private insurance on any of its vehicles. The USPS self-insured status only applies to its cars and does not extend to employees who use their vehicles to deliver mail.


        Methodology

        The Detroit Bureau collects data from every major car insurance provider to formulate rankings of the best insurers. Our in-depth rating system considers market share, coverage, pricing, customer satisfaction, and ratings from industry experts. Each insurer is given a weighted score in four categories and an overall score out of 10.0.

        We recommend auto insurance companies based on these rankings, but we also encourage you to perform your own research and compare quotes to find the best coverage.

        Recently Published
        Instructor with clipboard writing result of exam in car, closeup.

        What Discounts Does Esurance Provide?

        Dec. 22, 2022
        cheap auto insurance after accident

        How to Get Cheap Auto Insurance After an Accident

        Dec. 22, 2022
        postmates auto insurance

        Domino’s Pizza Auto Insurance: What Coverage Do You Need?

        Dec. 22, 2022

        FIND OUT HOW MUCH YOU CAN

        SAVE ON YOUR CAR INSURANCE

        SAVE ON YOUR CAR INSURANCE

        Share this article:
        © The Detroit Bureau 2023
        • Guides
        • Privacy Policy
        • Terms of Use
        • Affiliate Disclosure
        • Contact Us
        • Sitemap
        Follow Us: