The best car insurance companies for postal workers are American Family, Travelers, and Allstate.

American Family and Allstate excel with comprehensive coverage tailored to frequent drivers, while Travelers provides postal workers with reliable coverage and claims support.

Company	Rank	UBI Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	30%	A	Comprehensive Coverage	American Family
	#2	30%	A++	Industry Experience	Travelers
	#3	30%	A+	High-Mileage Savings	Allstate
	#4	25%	A++	Cheap Rates	Geico
	#5	30%	A++	Military Families	USAA
	#6	50%	A	Safe Drivers	Mercury
	#7	20%	A+	Retired Drivers	The Hartford
	#8	30%	B	Local Agents	State Farm
	#9	40%	A+	Financial Stability	Nationwide
	#10	30%	A++	Customer Satisfaction	Auto-Owners

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What You Should Know

• Get the best car insurance for postal workers with rates starting at $37/month
• American Family is the top pick for comprehensive coverage at great rates
• Allstate has the best car insurance rates for postal workers with high mileage

#1 – American Family: Top Overall Pick

Pros

• Comprehensive Coverage: American Family provides a variety of coverage options tailored just for postal workers, ensuring you have the protection you need.
• Budget-Friendly Rates: Affordable car insurance for postal workers starts at just $47 per month. Explore our American Family review to compare rates.
• Customizable Plans: American Family allows postal workers to tailor their policies to match unique job-related risks and requirements.

Cons

• Limited Availability: American Family may not be available in all states, which could be a drawback for some postal workers.
• Higher Premiums for High Coverage: Rates can increase significantly for postal workers seeking full coverage options.

#2 – Travelers: Best for Industry Experience

Pros

• Strong Financial Stability: Rated A++ by A.M. Best, ensuring dependable auto insurance for postal workers. Learn full details in our Travelers review.
• Federal Employee Discount: Postal workers can earn a 5% federal discount on Travelers car insurance.
• Competitive Premiums: Basic coverage begins at $53 per month, making it a cost-effective insurance choice for postal workers.

Cons

• Customer Service Variability: Service experience may vary by location, which could impact some postal workers.
• Limited Discounts: Fewer discount opportunities for postal workers compared to some competitors.

#3 – Allstate: Best for High-Mileage Savings

Pros

• Mileage Discounts: Allstate offers substantial 30% low-mileage car insurance discounts for postal workers.
• Accessible Pricing: Auto insurance rates for postal works start at $58 per month, offering an economical option.
• Bundling Benefits: Postal workers can save more by bundling auto insurance with other policies. Check out more in our Allstate review.

Cons

• Premiums May Vary: Rates may be higher for postal workers with lower mileage or specific driving histories.
• No Professional Discounts: Allstate doesn't offer federal employee insurance discounts for postal workers while other national providers do.

#4 – Geico: Best for Competitive Rates

Pros

• Low Rates: Geico is one of the best and cheapest car insurance companies for postal workers, offering low entry-level coverage rates at $41/month.
• Multiple Discounts: Geico offers flexible payment options convenient for postal workers managing tight budgets.
• Flexible Payment Plans: Geico offers flexible payment options, convenient for postal workers managing tight budgets.

Cons

• Limited Local Presence: Fewer local agents are available, which may not appeal to postal workers preferring in-person service.
• Basic Coverage Limitations: Some postal workers may find Geico’s standard policies lack certain desired coverage options.

#5 – USAA: Best for Military Families

Pros

• Military Family Benefits: USAA car insurance has unique advantages and discounts for postal workers with military backgrounds.
• Outstanding Customer Service: Read our USAA reviews for its high customer service ratings, ensuring postal workers receive reliable support.
• Exceptional Value: Provides minimum coverage starting at $37 per month, the lowest among top providers for postal workers.

Cons

• Restricted Eligibility: Only available to military members, veterans, and their families, limiting access for some postal workers.
• Limited Physical Locations: Fewer branch locations may reduce in-person service convenience for postal workers.

#6 – Mercury: Best for Safe Drivers

Pros

• Safe Driving Discounts: Mercury offers up to 12% reductions for safe drivers and up to 50% to postal workers who sign up for usage-based coverage.
• Economic Coverage: Basic coverage is available from $52 per month, keeping costs manageable for postal workers.
• Simple Claims Process: Mercury is renowned for its uncomplicated claims processing, which is advantageous to postal employees. See our Mercury insurance review to find out more.

Cons

• Narrow Coverage Options: The alternatives for coverage may be less extensive for certain postal workers.
• Average Customer Service: Customer service ratings might be lower than other suppliers.

#7 – The Hartford: Best for Retired Postal Workers

Pros

• Senior Discounts: The Hartford tailors car insurance for older postal workers who are retired. Learn more in our The Hartford review.
• Moderate Pricing: Entry-level coverage starts at $57 per month, providing options for different postal worker needs.
• Strong Reputation: The Hartford is well-regarded for providing reliable coverage options for postal workers nearing retirement.

Cons

• Higher Rates for Younger Drivers: Postal workers cannot buy The Hartford car insurance unless they are retired with an AARP membership.
• Limited Availability: Certain coverage options may not be offered in all states, limiting postal workers' options.

#8 – State Farm: Best for Local Agents

Pros

• Personalized Support: State Farm offers access to local agents, ideal for postal workers seeking customized service. Read our State Farm review for extensive details.
• Affordable Coverage: Minimum coverage begins at $49 per month, offering a balance of cost and service for postal workers.
• Federal Employee Discounts: Postal workers get a 10% employee discount with State Farm car insurance.

Cons

• Lower Financial Rating: Rated B by A.M. Best, which might concern some postal workers regarding long-term stability.
• Limited Online Options: Some postal workers may find fewer online tools and services than other insurers.

#9 – Nationwide: Best for Financial Stability

Pros

• Robust Financial Stability: Nationwide has been awarded an A+ rating from A.M. Best, which offers postal workers peace of mind. For more insight, refer to our Nationwide reviews.
• Discount Opportunities: In order to lower postal employees' premiums, the company offers a number of discounts, including a 9% federal employee discount.
• Affordable Costs: Our basic coverage is $51 per month, striking a balance between affordability and comprehensive coverage.

Cons

• Inconsistent Pricing: Postal workers may be impacted by significant regional variations in rates and discounts..
• Fewer Customization Options: There may be less freedom to customize a policy for postal workers seeking specific coverage.

#10 – Auto-Owners: Best for Customer Satisfaction

Pros

• High Customer Satisfaction: Check out Auto-Owners' customer reviews, which highlight the company's reputation for great customer service, which benefits postal workers.
• Reasonable Pricing: Minimum coverage is available at $46 per month, offering a cost-effective choice for postal workers.
• Comprehensive Policy Options: This company offers a range of policies that can be tailored to meet postal workers' specific needs.

Cons

• Limited Availability: Coverage may not be available in all states, restricting access for some postal workers.
• Minimal Online Resources: Fewer online management tools, which may be less convenient for tech-savvy postal workers.

Comparing Car Insurance Costs for Postal Workers

The ideal balance between affordability and protection can be found by comparing the monthly rates for minimum and full coverage in the table below when determining what kind of car insurance you really need for postal workers.

Insurance Company	Minimum Coverage	Full Coverage
	$58	$165
	$47	$135
	$46	$133
	$41	$122
	$52	$142
	$51	$145
	$49	$137
	$57	$155
	$53	$148
	$37	$115

Postal workers should focus on finding a policy that offers the right types of coverage to meet their unique needs. Comprehensive coverage is essential for those frequently on the road, as it protects against a wide range of potential risks, including theft, vandalism, weather-related damage, and accidents.

In addition to standard liability and collision coverage, postal workers might consider optional add-ons, such as uninsured/underinsured motorist protection, roadside assistance, and rental car reimbursement.

How to Get Cheap Car Insurance for Postal Workers

Postal workers can save money on auto insurance by taking advantage of unique discounts offered by top companies. Here's a table of the various discounts available:

Insurance Company	Available Discount
	Safe driving, Multi-Policy, Early Signing, Responsible Payer, Good Student, Anti-Theft Device, New Car, Senior Discount, EZ Pay
	Multi-Policy, Good Driver, Low Mileage, Defensive Driving, Good Student, Loyalty, Auto Pay
	Multi-Policy, Paid-In-Full, Safety Features, Good Student, Multi-Car, Safe Driver, Anti-Theft, Green Discount (Paperless Billing)
	Federal Employee, Multi-Policy, Military, Good Driver, Good Student, Anti-Theft Device, Emergency Deployment, Defensive Driving, New Vehicle
	Multi-Policy, Anti-Theft, Good Driver, Good Student, Pay-In-Full, Auto Pay, E-Signature, RealDrive (Based on Annual Mileage)
	Multi-Policy, Safe Driver, Defensive Driving, Anti-Theft, Accident-Free, Paperless Documents, SmartRide (Usage-Based), Affinity Group Discount
	Safe Driver, Good Student, Multi-Policy, Defensive Driving, Accident-Free, Vehicle Safety, Drive Safe & Save, Good Payer, Steer Clear
	AARP Membership, Safe Driver, Multi-Policy, Defensive Driving, Anti-Theft, Airbag, New Vehicle, Paid-In-full, Driver Training, Senior Discount
	Multi-Policy, Homeownership, Good Payer, New Car, Continuous Insurance, Safe Driver, Multi-Car, EFT Payment
	Safe Driver, Multi-Policy, Military Affiliation, Annual Mileage, Defensive Driving, Good Student, Vehicle Storage, Loyalty

Many providers offer specialized postal workers discounts, like bundling home and auto coverage or participating in telematics programs that reward safe driving.

To get the best postal workers insurance rates, compare quotes online from multiple companies. This allows postal workers to instantly access exclusive offers and refine their coverage based on their needs.

Additionally, choosing higher deductibles or maintaining a clean driving record can help reduce premiums.

Read More: How to Get Cheap Car Insurance

Top Car Insurance Choices for Postal Workers

The top three best car insurance companies for postal workers are American Family, Travelers, and Allstate. American Family stands out for offering excellent customer service.

To find the best car insurance companies for postal workers in your area, use an online comparison tool to easily compare multiple quotes and secure the coverage that fits both your needs and budget.

See if you’re getting the best deal on car insurance by entering your ZIP code below.