For postal employees, one of the more important criteria that are looked at to determine the amount you pay for auto insurance is where your car is garaged. Regions with more people or even just more weather-related claims tend to have higher auto insurance costs, whereas more rural areas benefit from having to pay less for coverage.
The following table shows the priciest cities in North Carolina for postal workers in which to purchase auto insurance. Durham comes in at #5 costing $797 on average, which is approximately $66 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Fayetteville | $923 |
| 2 | Jacksonville | $891 |
| 3 | Charlotte | $816 |
| 4 | Gastonia | $811 |
| 5 | Durham | $797 |
| 6 | Wilmington | $788 |
| 7 | Greensboro | $786 |
| 8 | Cary | $772 |
| 9 | Huntersville | $764 |
| 10 | Indian Trail | $753 |
| 11 | Wilson | $746 |
| 12 | Raleigh | $744 |
| 13 | Goldsboro | $743 |
| 14 | Hickory | $740 |
| 15 | Greenville | $738 |
| 16 | High Point | $731 |
| 17 | Apex | $725 |
| 18 | Chapel Hill | $724 |
| 19 | Rocky Mount | $718 |
| 20 | Winston Salem | $688 |
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Prices are approximated as the specific area where the vehicle is garaged can lower or raise coverage prices greatly.
Finding dependable, budget car insurance is not easy, and deciding which company offers the most affordable insurance rates for postal workers takes even more perseverance.
Each auto insurer uses a little different formula to set policy rates, so let’s begin by examining the insurance companies with the overall cheapest rates in Durham.
Cheapest Insurance Rates for USPS Employees
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Progressive | $651 |
| 2 | Utica National | $662 |
| 3 | GEICO | $720 |
| 4 | Liberty Mutual | $728 |
| 5 | Titan | $729 |
| 6 | NC Farm Bureau | $730 |
| 7 | Penn National | $739 |
| 8 | State Farm | $779 |
| 9 | Auto-Owners | $878 |
| 10 | National General | $881 |
| 11 | Erie | $895 |
| 12 | Allied | $919 |
| 13 | Travelers | $927 |
| 14 | Peerless | $972 |
| 15 | Nationwide | $1,011 |
| 16 | MetLife | $1,038 |
| 17 | Encompass | $1,041 |
| 18 | Unitrin | $1,042 |
| 19 | Allstate | $1,054 |
| 20 | Safeco | $1,076 |
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Progressive has some of the most affordable car insurance rates in Durham at around $651 a year. This is $221 less than the average price paid by North Carolina drivers of $872. Utica National, GEICO, Liberty Mutual, and Titan also make the cut as some of the best Durham, NC auto insurance companies.
As shown in the table above, if you buy coverage from Liberty Mutual and switched to Utica National, you may see a yearly price reduction of about $66. Policyholders with Titan may save as much as $67 a year, and NC Farm Bureau insureds might lower prices by $68 a year.
Bear in mind that those premium estimates are averages for all drivers and vehicles in North Carolina and and are not figured with a specific location for postal workers. So the auto insurance company that is best suited for you may not even be in the list above. That’s why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
The vehicle requiring insurance is a large factor when comparing the most affordable insurance for postal workers. Vehicles with higher performance, poor passenger safety features, or a high likelihood of having liability claims will cost significantly more to insure than more economical and safe models. The table below outlines coverage premiums for a selection of the more affordable vehicles to insure in North Carolina.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $1,016 |
| Honda CR-V EX-L 2WD | $1,112 |
| Nissan Altima 2.5 4-Dr Sedan | $1,177 |
| Volkswagen Jetta S 4-Dr Sedan | $1,183 |
| Toyota Camry LE | $1,177 |
| Honda Civic LX-S 4-Dr Sedan | $1,220 |
| Ford Focus SEL 4-Dr Sedan | $1,230 |
| Toyota Tacoma X-Runner 2WD | $1,242 |
| Toyota Prius | $1,248 |
| Ford Edge SE AWD | $1,263 |
| Jeep Grand Cherokee SRT-8 4WD | $1,265 |
| Chevrolet Equinox LTZ AWD | $1,271 |
| Dodge Ram Quad Cab SLT 2WD | $1,283 |
| Chevrolet Impala LT | $1,287 |
| Chevrolet Malibu LS | $1,297 |
| Toyota RAV4 Limited 2WD | $1,328 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,332 |
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can impact auto insurance rates significantly.
Looking at the data, makes and models like the Ford Escape, Honda CR-V, and Nissan Altima will definitely be some of the less-costly vehicles to insure for postal employees.
Get discount Durham car insurance
Auto insurance companies that offer cheap quotes for postal workers may also give you rate discounts that could potentially reduce rates by as much as 35% if you can meet the requirements. Companies and a selection of discounts are shown below.
- GEICO offers discounts including multi-policy, membership and employees, seat belt use, driver training, and good student.
- Travelers may offer discounts for driver training, new car, hybrid/electric vehicle, save driver, student away at school, multi-car, and IntelliDrive.
- Farm Bureau includes discounts for safe driver, good student, driver training, multi-vehicle, multi-policy, and 55 and retired.
- Liberty Mutual discounts include newly retired, multi-policy, multi-car, exclusive group savings, safety features, new vehicle discount, and preferred payment discount.
- American Family may include discounts for multi-vehicle, TimeAway discount, air bags, accident-free, mySafetyValet, defensive driver, and good student.
- Progressive offers premium reductions for multi-vehicle, online quote discount, online signing, multi-policy, and continuous coverage.
The illustration below visualizes the comparison of yearly insurance costs with and without discounts applied. The data assumes a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with claim-free, vehicle safety, passive restraint, safe-driver, anti-theft, and multiple vehicle discounts applied. When these discounts are applied, the average amount saved each year on insurance for postal workers is 28% or $377.
How to find a good North Carolina insurance company
Finding the highest-rated insurance provider is difficult considering how many companies sell insurance in Durham. The company information shown next can help you analyze which companies you want to consider when shopping around. The ratings below are only made up of companies who write in the majority of U.S. states, so companies with more of a regional focus are not factored into this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Why you should shop around
Durham, NC insurance rates are influenced by many factors which can substantially decrease or increase the cost of your policy. Improving your credit rating, buying a home instead of renting, or getting a few speeding tickets can produce rate changes resulting in some companies being more affordable than competitors.
Not only may your situation change, but companies file new North Carolina auto insurance rates without warning to adjust for gains or losses. A period of increased losses may result in more expensive premiums, while lower claim expenses can produce cheaper Durham car insurance rates.
For example, the data below shows the company with the cheapest car insurance in Durham, NC for a 45-year-old male driver with no accidents, a clean driving record, and a good credit history. Based on his personal profile, Progressive quotes the most affordable car insurance rates in Durham at $717 per year. This is $155 less than the average policy premium paid by North Carolina drivers of $872. Utica National, NC Farm Bureau, Liberty Mutual, and Penn National are the remaining cheapest Durham, NC auto insurance companies.
Now let’s give the driver from the first example a claim or two, a little lower credit rating, and a traffic ticket or two. Due to the fact that each insurance company has a different process for setting rates, comparing quotes may result in a new list of companies as shown below.
State Farm now has the cheapest price in Durham with GEICO, Auto-Owners, Allied, and National General completing the list. This shows why drivers need to perform a complete rate comparison to get the cheapest insurance quotes for postal workers.
Rates are calculated by many things and can change without notice, so the most affordable company the last time you compared rates may now be one of the more expensive options.