Postal Employee Auto Insurance

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Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in...

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Chris Harrigan has an economy degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise...

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Reviewed byChris Harrigan
Former Insurance Claims Manager

UPDATED: Nov 29, 2017

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Key takeaways...
  • There are auto insurance discounts for federal employees
  • Group insurance rates can benefit postal workers looking to pay less for auto insurance
  • Rural postal carriers have special insurance needs

The insurance business is based on evaluating and managing risk. Insurers use complex, statistics-based algorithms to help them decide what candidates are at the least risk for being in an auto collision.

Interestingly, occupation factors into these calculations.

Some occupations, such as pilot or teacher, are considered low-risk because people in these occupations demonstrate a lower risk of getting into an accident. Some federal jobs, such as postal employee, fit into this low-risk category as well.

Because postal workers, like all other federal employees, go through such a strict vetting process with the government before they are hired, they tend to be more responsible and trustworthy than the average driver.

Save as much as you can by finding the best value for car insurance. Enter your zip code into our free rate comparison tool above to begin.

A reported published by the Center for Disease Control (CDC) in 1994 showed that postal workers did indeed enjoy some of the lowest occupational death and accident rates of any industry.

The study shows there were only 43 motor-vehicle related deaths per 100,000 postal service workers and that the total death and accident rate for postal workers was lower than any other group.

Furthermore, according to OSHA, the profession saw a 50 percent drop in accidents between 2001 and 2011, and have had a further rate decrease of about two percent per year since then.

It’s no wonder, then, that postal drivers are considered good risks for insurance companies.

Most major insurance companies offer discounted premiums to government employees. These companies include:

In fact, Geico, which stands for Government Employee Insurance Company, was founded specifically to provide competitive insurance rates for low-risk government employees.

Their Eagle Discount is available for federal employees ranked GS-7 or higher. For non-GS pay systems, the equivalent of GS-11 or higher is required. This discount is available in most states and the District of Columbia.

Available Discounts


What you can save on auto insurance for being a postal worker varies from company to company and state to state.

Generally speaking, you can expect to save three to 10 percent depending on your insurance provider and where you live. For information about specific rates, you can discuss your insurance needs with your insurance agent.

You can also go through a federal employees organization such as:

  • National Active and Retired Federal Employees Association (NARFE) They work with the different insurance companies to negotiate the lowest insurance rates possible for their members.
  • The USPS Federal Credit Union They offer their members lower-rate auto insurance through their network of insurance providers.
  • The American Postal Workers Union (APWU) They recently added auto insurance to its menu of voluntary benefits. You may even be eligible for this benefits if you have already retired. Note that while some APWU benefits come free of charge, discounted auto insurance is only available for dues-paying members.

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Rural Carriers

In rural, sparsely populated areas, the USPS has a rural carrier program that allows citizens to deliver mail for a substantial stipend.

Depending on how much time you have and how many deliveries you make, this stipend could equate to a decent income. Becoming a rural carrier does, of course, have consequences for your car insurance.

If you are involved in a car accident while carrying out your rural mail carrying duties, you will likely have to pay out of pocket. Most insurance companies prohibit the use of personal auto policies for commercial endeavors like mail delivery.

Should you attempt to file a claim, you may be dropped from your policy.

To avoid this outcome, honesty may be the best policy. Tell your provider about your intentions to become a rural carrier. If you are upfront about it, and your policy does not disallow it, you may be able to maintain coverage.

However, be prepared for a significant hike in your premiums; they could go up by as much as 50 percent.

If you live in a rural area, your local Department of Motor Vehicles (DMV) likely offers license endorsements for rural carriers. Such an endorsement can lend credibility to your new gig and can influence your insurer to keep your premiums at a reasonable rate.

It can even help you get or maintain comprehensive and collision coverage. These coverages would otherwise be forfeited when driving your car for commercial purposes.

Get the Coverage That’s Right for You


Your driving experience, federal employee status and group affiliations all have the potential to earn you lower car insurance rates and premiums.

Shop for quotes online to learn more about what rates are available for postal workers. Your insurance agent can discuss your unique situation with you and help you find the most coverage at the lowest price.

Enter your zip code below to get started finding the best rate for your auto insurance needs.

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