Determining which company quotes the cheapest insurance rates for postal workers involves a bit more effort than just getting one or two price quotes.
Every car insurance company has their own formula to set their prices, so we will examine the insurance companies with the most affordable rates in Maryland. It’s important that you understand Maryland insurance rates are based on many factors that control the price of your policy. Getting older, increasing liability limits, or having an at-fault accident may cause policy rate changes resulting in some companies being more affordable than before.
Find the Cheapest Car Insurance for USPS Employees
Rank | Company | Cost Per Year |
---|---|---|
1 | USAA | $958 |
2 | Liberty Mutual | $1,081 |
3 | Penn National | $1,126 |
4 | Erie | $1,161 |
5 | State Auto | $1,178 |
6 | Amica | $1,308 |
7 | MetLife | $1,386 |
8 | Nationwide | $1,393 |
9 | Travelers | $1,426 |
10 | GEICO | $1,428 |
11 | California Casualty | $1,544 |
12 | Allstate | $1,596 |
13 | State Farm | $1,696 |
14 | Progressive | $2,149 |
15 | Encompass | $2,566 |
16 | Victoria | $2,933 |
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USAA may have some of the cheapest car insurance rates in Maryland at around $958 annually. Liberty Mutual, Penn National, Erie, and State Auto would also be considered some of the best Maryland car insurance companies.
As the example above demonstrates, if you currently have a policy with Erie and switched to Liberty Mutual, you might see annual savings of around $80. Maryland drivers with State Auto may save as much as $97 a year, and Amica policyholders might lower prices by $227 a year.
To find out how your current rates compare, click here to start your free quote or quote prices from the following companies.
It’s important to note that these premiums are averages across all insureds and vehicles and and are not figured with a rate discount for postal workers. So the insurer that is most affordable for your situation may not even be featured in the above list. That underscores the importance of why you need to get car insurance quotes using your own driver and vehicle profiles.
The cost and performance of the vehicle needing coverage is probably the largest consideration in finding cheap car insurance for postal workers in Maryland. Vehicles with high performance engines, poor crash test ratings, or high incidents of liability claims will cost much more to insure than safer models.
The lists below outlines car insurance rates for the most economical vehicles to insure.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu LT | $1,116 | $558 | $93 |
Ford Focus SES 4-Dr Sedan | $1,132 | $566 | $94 |
Honda Accord EX-L 2-Dr Coupe | $1,250 | $625 | $104 |
Hyundai Sonata GLS 4-Dr Sedan | $1,158 | $579 | $97 |
Kia Optima LX | $1,158 | $579 | $97 |
Nissan Altima Hybrid 4-Dr Sedan | $1,182 | $591 | $99 |
Toyota Camry LE | $1,090 | $545 | $91 |
Volkswagen Jetta SE 2.5 Station Wagon | $1,104 | $552 | $92 |
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in specific zip code location which can decrease or increase price quotes noticeably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura MDX 4WD | $1,142 | $571 | $95 |
Chevrolet Suburban LS 2WD | $1,116 | $558 | $93 |
Chevrolet Traverse LS AWD | $974 | $487 | $81 |
Ford Escape XLT 2WD | $924 | $462 | $77 |
Ford Explorer Limited AWD | $1,116 | $558 | $93 |
GMC Acadia SLE AWD | $1,090 | $545 | $91 |
Honda CR-V EX-L 2WD | $948 | $474 | $79 |
Honda Fit Sport | $912 | $456 | $76 |
Honda Pilot Touring 4WD | $1,116 | $558 | $93 |
Hyundai Tucson GLS 2WD | $1,002 | $501 | $84 |
Jeep Grand Cherokee Limited 2WD | $1,182 | $591 | $99 |
Subaru Forester X Premium AWP AWD | $1,038 | $519 | $87 |
Toyota Highlander 4WD | $1,116 | $558 | $93 |
Toyota RAV4 Sport 2WD | $1,090 | $545 | $91 |
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in vehicle location which can increase or decrease premium rates substantially.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Silverado 2500HD LTZ Crew Cab 2WD | $1,340 | $670 | $112 |
Chevrolet Silverado LT Crew Cab 2WD | $1,250 | $625 | $104 |
Dodge Ram 2500 Mega Cab Laramie 4WD | $1,276 | $638 | $106 |
Dodge Ram Crew Cab TRX 2WD | $1,184 | $592 | $99 |
Ford F-150 XL Crew Cab 2WD | $1,026 | $513 | $86 |
Ford F-250 Lariat Crew Cab 4WD | $1,404 | $702 | $117 |
Ford F-350 Super Cab Lariat 4WD | $1,536 | $768 | $128 |
GMC Sierra 2500HD SLE Crew Cab 2WD | $1,314 | $657 | $110 |
GMC Sierra Denali Crew Cab 2WD | $1,272 | $636 | $106 |
Toyota Tundra SR/5 Crew Max 2WD | $1,158 | $579 | $97 |
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in Maryland location which can revise rates noticeably.
When buying car insurance for postal employees, one of the key things that affect the amount you pay for auto insurance is where you live in Maryland. Areas that are densely populated or have higher claim frequency like Baltimore, Towson, and Aspen Hill are more likely to pay higher prices, whereas areas with less crime or weather claims receive better rates.
The information below displays the more expensive cities in Maryland for postal workers to purchase car insurance in.
Rank | City | Annual Premium |
---|---|---|
1 | Baltimore | $1,814 |
2 | Woodlawn | $1,657 |
3 | Towson | $1,527 |
4 | Dundalk | $1,505 |
5 | Aspen Hill | $1,478 |
6 | Essex | $1,474 |
7 | Silver Spring | $1,432 |
8 | Waldorf | $1,431 |
9 | Catonsville | $1,417 |
10 | Bowie | $1,404 |
11 | Glen Burnie | $1,383 |
12 | Wheaton | $1,321 |
13 | Gaithersburg | $1,317 |
14 | Severn | $1,288 |
15 | Germantown | $1,275 |
16 | Rockville | $1,264 |
17 | Columbia | $1,263 |
18 | Annapolis | $1,255 |
19 | Bethesda | $1,252 |
20 | North Bethesda | $1,243 |
21 | Ellicott City | $1,233 |
22 | Potomac | $1,224 |
23 | Bel Air South | $1,210 |
24 | Hagerstown | $1,020 |
25 | Frederick | $1,004 |
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Rate quotes are approximated as the garaging address in Maryland can impact price quotes substantially.
If you are looking for the best car insurance for postal employees, the companies with the most market share are Allstate, Progressive, State Farm, and Geico. The following table breaks down some of the ratings and options you can expect with each one.
Allstate | Progressive | State Farm | Geico | |
---|---|---|---|---|
Handling of Claims | 1st | 4th | 2nd | 3rd |
Discounts Offered | 1st | 4th | 3rd | 2nd |
Overall Cost | 4th | 3rd | 2nd | 1st |
Customer Satisfaction | 2nd | 3rd | 4th | 1st |
Market share percentage | 10% | 8.8% | 18.3% | 11.4% |
Rating from A.M. Best | A+ | A+ | A++ | A++ |
Roadside service | Yes | Yes | Yes | Yes |
Mechnical breakdown | No | Yes | No | Yes |
New car replacement coverage | Yes | No | No | No |
Rating based on usage | Yes | Yes | Yes | No |
Coverage for ridesharing | Yes | Yes | Yes | Yes |
Accident forgiveness coverage | Yes | Yes | No | Yes |
Types of agents used | Only buy from Allstate agents | Online or from independent agents | Only from State Farm agents | Can buy online or use a Geico agent |
Number of agents | 11,000+ | 30,000+ | 18,000+ | 150+ |
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