Insurance for rural letter carriers

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As a rural letter carrier, you serve many communities across rural America, often navigating challenging roads, weather, and delivery conditions. Whether you deliver mail every day or only occasionally, National General offers specialized coverage designed to help protect you and those around you, both on and off the route.

National General is the only insurer endorsed by the National Rural Letter Carriers' Association (NRLCA) since 1953. For decades, we've provided coverage tailored to the unique needs of rural mail delivery. In addition, we offer a full range of insurance products for carriers and their families, including personal auto, home, motorcycle, and more.

For a free quote, call 1-844-273-4201 today.

Sales center hours are Sunday through Saturday, 6 a.m. to 11 p.m. Central time

Learn about our coverage and get answers to common questions

Rural letter carrier insurance is designed for anyone who uses a personal vehicle to deliver mail as part of their USPS duties, whether they deliver regularly or for just a few hours or days each year. This may include:

Part-time carriers
Rural carrier associates (RCAs)
Auxiliary or assistant rural carriers (ARCs)
Retired carriers and eligible family members

National General offers coverage options for a wide range of vehicles. We cover right-hand drive, left-hand drive, and backup vehicles used for mail delivery. We can also help protect the cars, motorcycles, RVs, ATVs, and other vehicles you use for everyday driving and recreation. We don't insure government-owned vehicles, but our agents can still help you qualify for preferred rates on your personal insurance as a rural letter carrier.

Like other drivers, rural letter carriers need to carry auto insurance on their personal vehicle to meet state requirements. While there is no separate legal requirement for route-use coverage, standard personal auto policies may not cover accidents that occur while delivering mail. That's why it's important to disclose your mail delivery duties to your insurer and make sure you have the appropriate coverage. Coverage designed for rural carriers can also help provide protection beyond the limitations of the Federal Tort Claims Act (FTCA).

The Federal Tort Claims Act (FTCA) was created to provide liability protection for federal government employees while they're performing official job duties. That means if you cause an accident while delivering mail, the FTCA may help pay for the resulting injuries to other people or damage to their property. What the FTCA generally does not cover is damage to your personal vehicle such as if your vehicle is damaged in a crash, theft, vandalism, or severe weather. Additionally, it won’t cover you if you get into an accident if you deviate from your assigned route.

Unlike the FTCA, National General can cover your vehicle — both on and off the route. Depending on your policy, available coverages may include liability, collision, comprehensive, and other protections designed for the unique needs of rural letter carriers during mail delivery and everyday driving. If an on-route liability claim is denied under the FTCA, National General will work with you to review any eligible claim under your policy and help resolve it as quickly and fairly as possible.

Yes, it can be. The price of your policy will depend on several factors, including your vehicle, driving record, location, and selected coverages. National General offers a variety of discounts that may help lower your cost, including multi-vehicle, bundling, paperless billing, and pay-in-full discounts. Rural letter carriers may also qualify for a preferred rate on other eligible insurance products that can continue into retirement. Plus, family members may be eligible for savings too.

We recommend having the following information ready for a faster quote:

Your vehicle information (year, make, model, VIN)
Driver’s license number
Current insurance information
Full names and birthdays of any drivers in your household

During the quote, you’ll be asked if you use your vehicle for route delivery.

Report every accident, even a minor one, as soon as possible. Follow the U.S. Postal Service accident reporting process. Notify your Postmaster or Supervisor and, if you have a National General policy, contact us as soon as possible to start the claims process.

To report a claim to National General, call 1-800-325-1088. Claims support is available 24/7. Have your policy number and accident details ready when you call. A National General claims representative will help guide you through the claims process. For on-route liability claims, the other party may first be directed to seek payment through the FTCA. If an FTCA claim is denied, National General will review any available coverage under your policy and help determine the next steps.

^*NRLCAInsurance.com is hosted by National General Insurance Marketing, Inc. (NGIM), an agency producing business for multiple insurers. Policy features described above are from the automobile policies underwritten by NGIM affiliates, in the National General Group, Winston-Salem, NC, including: Integon National Ins. Co., National General Assur. Co., National General Ins. Co., MIC General Ins. Corp., and National General Insurance Online, Inc. Policies in WA are underwritten by Integon National Insurance Company and in TX by National General Assur. Co. and National General Ins. Co. Each carrier is solely responsible for its own products and may pay NGIM for its sales or referrals. All coverages, features, benefits and discounts are subject to the individual carrier’s terms, conditions, deductibles, and exclusions as well as state requirements. Availability and eligibility will vary by state, insurer and individual.

NRLCA is an Association that works to improve the methods and conditions for rural letter carriers. NRLCA is not an insurance agency or company but helps to connect its members with insurers and agents that offer products to suit their needs.

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