Best Auto Insurance for Clergy in 2025 (Top 8 Companies)
State Farm, Geico, and Allstate have the best auto insurance for clergy, with minimum coverage as low as $21/mo. State Farm's full coverage for clergy is $82/mo, but drivers can save with the Drive Safe & Save program. Geico offers a safe driver discount, while Allstate’s Drivewise returns up to 40% in rewards.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Jun 24, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 24, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
18,155 reviewsCompany Facts
Full Coverage
A.M. Best
Complaint Level
Pros & Cons
18,155 reviews
19,116 reviewsCompany Facts
Full Coverage
A.M. Best
Complaint Level
Pros & Cons
19,116 reviews
11,638 reviewsCompany Facts
Full Coverage
A.M. Best
Complaint Level
Pros & Cons
11,638 reviewsThe top providers of the best auto insurance for clergy are State Farm, Geico, and Allstate. These insurers offer profession-based pricing and performance-driven incentives.
Our Top 8 Company Picks: Best Auto Insurance for Clergy
| Company | Rank | Safe Driver Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 30% | A++ | Extensive Discounts | State Farm |
 | #2 | 26% | A++ | Clean Driving Record Discounts | Geico |
 | #3 | 22% | A+ | Drivewise Program | Allstate |
 | #4 | 30% | A+ | Snapshot Program | Progressive |
 | #5 | 20% | A++ | Military Members | USAA |
 | #6 | 10% | A+ | Vanishing Deductible | Nationwide |
 | #7 | 15% | A | Group Discounts | Farmers |
 | #8 | 30% | A | RightTrack Program | Liberty Mutual |
State Farm leads with its Drive Safe & Save program, offering clergy drivers average monthly rates of $82 when mileage remains low. Geico rewards clergy with clean records with a 22% discount through its Five-Year Good Driver program.
Allstate’s Drivewise program tracks real-time habits and rewards clergy drivers with up to 40% off for consistent safe driving.
- State Farm leads with $82 monthly rates and Drive Safe & Save discounts
- Clergy save more with clean records and low daily commute miles
- Long-distance clergy should use apps that track driving behavior
Continue reading to learn more about clergy discounts and cheap church insurance. You can also enter your ZIP code above to compare quotes.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Clergy Auto Insurance Rates
Clergy members’ auto insurance rates depend on the level of coverage they require. Monthly costs for the minimum coverage begin at $21 with USAA, while full coverage can go up to $165 with Liberty Mutual.
Auto Insurance Monthly Rates for Clergy by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $58 | $152 |
| $50 | $131 |
| $28 | $76 |
| $64 | $165 |
| $41 | $109 |
| $37 | $100 |
| $31 | $82 |
| $21 | $56 |
State Farm also offers affordable monthly rates, with minimum coverage at $31 and full coverage at $82. Geico also offers good value, with minimum coverage at $28 and full coverage at $76 per month.
This makes it a good choice for clergy who have clean driving records and use their vehicles moderately. Discover how auto insurance companies check driving records to assess risk and pricing.
Factors That Determine Auto Insurance Rates for Clergy
While the factors determining auto insurance rates may be similar among most auto insurance companies, each company has its own unique risk prediction and pricing models. Therefore, all companies have different rates and coverage options. Here’s a list of other factors that may affect a clergy person’s auto insurance rates:
- Address: Clergy persons who serve in high-risk areas tend to get higher auto insurance quotes.
- Driving Record: Clergy persons with clean driving records will be eligible for lower rates.
- Type of Car: The type of car you drive will affect your auto insurance rates. Some vehicle makes and models have owners who tend to file more claims, and if your car is one of these, you are more likely to receive a higher quote, regardless of other factors.
- Deductibles and Coverage: Typically, auto insurance companies will ask you to decide the amount of coverage you want, beyond the state-mandated coverage. You will also determine the amount of your deductible.
Although companies are unique, all drivers in the United States are required to have a minimum level of liability coverage.
The only way to get the best rates is to compare dozens of auto insurance quotes from various carriers. It can be tiring, but it’s worth it.
Auto Insurance Discounts for Clergy
The clergy can access any available discounts if they meet the qualification requirements. Discount programs offered by different auto insurance companies are usually similar.
Auto Insurance Discounts for Clergy
| Insurance Company | Available Discount |
|---|---|
| Drivewise Program, Multi-Policy, Defensive Driving Course, Safe Driver |
| Multi-Policy, Occupational, Good Student, Safe Driver |
| Multi-Vehicle, Defensive Driving Course, Membership and Employee, Safe Driver |
| Multi-Policy, Affinity, Safety Feature, Safe Driver |
| Multi-Policy, Defensive Driving Course, Affinity, Safe Driver |
| Multi-Policy, Continuous Insurance, Defensive Driving Course, Safe Driver |
| Multi-Policy, Defensive Driving Course, Good Student, Vehicle Safety Features, Safe Driver |
| Membership, Defensive Driving Course, Safe Driver Discount, Multi-Vehicle |
The auto insurance rate varies depending on whether you insure a car for personal or business use. To get the best pastoral insurance discounts and rates, you have to compare car insurance quotes from several companies.
Here are some auto insurance discounts the clergy can get if they qualify:
- Low-Mileage Discount: For clergy who drive fewer annual miles due to limited commute routes.
- Safe Driver Discount: Awarded to clergy members with clean driving records and no recent traffic violations.
- Multi-Policy Discount: This discount is available when clergy combine their auto insurance with other types, like homeowners, renters, or life insurance.
- Affinity Group Discount: Offered to clergy affiliated with religious organizations or ministry associations.
- Good Student Discount: This discount is available to clergy who have teenage or college-aged children who maintain high academic grades.
Clergy may also receive additional discounts related to their driving habits, payment history, and vehicle safety features:
- Defensive Driving Course Discount: For clergy who voluntarily complete certified safe driving programs.
- Usage-Based Insurance Program Discount: Clergy members can save money by joining tracking programs such as Drive Safe & Save, Drivewise, or Snapshot.
- Vehicle Safety Feature Discount: For clergy who insure vehicles having anti-lock brakes, airbags, or anti-theft devices.
- Pay-in-Full Discount: Clergy who pay their annual premium upfront rather than in installments.
- Paperless Billing or AutoPay Discount: Savings for clergy who choose digital statements or automatic payments.
In most instances, people fail to cut down their auto insurance coverage options just because they don’t inquire about available auto insurance discounts. Some of these clergy discounts aren’t advertised to the general market.
Auto Insurance Monthly Rates for Clergy by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $228 | $268 | $321 | $385 |
| $198 | $247 | $282 | $275 |
| $114 | $151 | $189 | $309 |
| $248 | $302 | $335 | $447 |
| $164 | $196 | $230 | $338 |
| $150 | $199 | $265 | $200 |
| $123 | $137 | $146 | $160 |
| $84 | $96 | $111 | $154 |
A clean driving record and good credit can save you hundreds on auto insurance per year. Additionally, it offsets expensive auto insurance rates due to commute mileage.
Church automobile insurance for pastors and Rabbis can be significantly cheaper, as their professions have a low risk of violations, such as DUI convictions.
Read More: How Credit Scores Affect Auto Insurance Rates
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Auto Insurance Coverage Options for Clergy
Clergy often dedicate a significant amount of time to driving, possibly to visit church members, attend religious gatherings, or handle church-related tasks.
Because they travel long distances and use the vehicle in various ways, it is crucial to select auto insurance that provides specific protection tailored to their needs. Here are six important coverages clergy should focus on, with clear uses and benefits:
- Liability Coverage: This includes liability for bodily injury and property damage. It is required in most states and provides coverage for injuries or damage to others when clergy are at fault, up to the policy’s specified limits.
- Collision Coverage: This pays for fixing or replacing the company vehicle after it collides with another object, regardless of who is at fault. Typically, the policyholder selects a deductible.
- Comprehensive Coverage: This pays for damage from events that are not collisions, such as theft, vandalism, fire, or objects falling on the car. It often has an option to cover glass damage, and the deductible amount can vary.
- Uninsured/Underinsured Motorist Coverage: This coverage helps pay for injuries and sometimes property damage if you are hit by a driver who has no insurance or insufficient insurance, up to the limits chosen.
- Medical Payments (MedPay): This coverage pays for medical bills for the driver and passengers after an accident, regardless of who is at fault. The coverage limit typically ranges from $1,000 to $10,000, depending on the insurance company.
- Personal Injury Protection (PIP): Found in no-fault states, this coverage pays for medical bills, lost wages, and other related expenses incurred by the injured party after an accident. It does not matter who was at fault for the accident.
Choosing these coverages gives clergy drivers tailored financial security for their personal and ministry-related journeys.
8 Best Auto Insurance Companies for Clergy
The best auto insurance for clergy comes from companies that know the special needs of ministry-related travel. Clergy often spend a significant amount of time driving to church visits, events, and community service activities.
Clergy should choose insurers with flexible mileage plans. For example, some adjust monthly rates based on actual usage for pastoral driving.Daniel Walker Licensed Auto Insurance Agent
This makes different coverage options and discounts very important. These 8 providers are notable for giving features such as low-mileage savings, rewards for safe driving, and affinity group discounts that can help religious professionals.
#1 – State Farm: Top Overall Pick
Pros
- Drive Safe & Save Advantage: Clergy who drive under 7,500 miles annually can save up to 30% through State Farm’s Drive Safe & Save program.
- Bundling for Ministry Households: Clergy who insure both their home and auto through State Farm may receive a 17% discount. Read more in our State Farm auto insurance review.
- Exceptional Financial Strength: State Farm holds an A++ A.M. Best rating, providing clergy with peace of mind that claims for accident-related vehicle repairs will be paid promptly and without delay.
Cons
- Digital Gaps for Clergy on the Go: State Farm’s limited live online chat or claims features may slow down service for clergy with demanding, mobile schedules.
- Premium Tiers May Increase: Clergy in urban or high-risk ZIP codes may be required to pay over $115 per month, even with a safe driving record and eligibility for multi-policy savings.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#2 – Geico: Best for Clean Driving Record Discounts
Pros
- Good Driver Reward: Clergy with five years of a clean driving history receive a 22% discount, making Geico an ideal choice for ministers with low-risk driving behavior.
- Affinity Group Inclusion: Geico offers special savings to clergy affiliated with religious organizations, resulting in rate reductions of up to 8%. Learn more about discounts in our Geico review.
- Robust Digital Access: Clergy can file claims, update coverage, and access ID cards instantly through Geico’s highly rated mobile app, which has 4.8 stars on the App Store.
Cons
- Lacks Localized Agent Support: Clergy seeking in-person policy reviews or consultations on church vehicles may be limited by Geico’s sparse local agent network.
- Quote Volatility for Clergy in Rural Areas: Despite a clean record, clergy residing in rural parishes may still see fluctuating quotes depending on local risk modeling.
#3 – Allstate: Best for Drivewise Program
Pros
- Drivewise High Return: Clergy using Allstate’s Drivewise app may earn up to 40% back in safe-driving discounts, benefiting clergy who drive modest distances for ministry.
- Multi-Vehicle Incentives: According to our Allstate review, clergy members insuring both personal and church-use vehicles under a single Allstate account can receive a 10% bundling discount.
- Safe Drivers Avoid Rate Increases: Unlike some insurers, clergy with clean driving histories under Drivewise are guaranteed no rate increases for program enrollment.
Cons
- Mixed Claims Experience for Clergy: Clergy have reported inconsistent experiences with claim processing, with satisfaction scores ranging from 3.7 to 4.2 stars, depending on the region.
- Premiums May Start Higher: Initial quotes for clergy coverage may begin at $96 per month, before rewards and discounts are applied.
#4 – Progressive: Best for Snapshot Program
Pros
- Snapshot Personalization: Progressive’s Snapshot monitors clergy driving behavior and mileage patterns, offering clergy savings up to 25% for smooth braking and limited night driving.
- Name Your Price Tool: Clergy can input a target budget and receive flexible quote options, making it easier to balance ministry finances. See more in our Progressive auto insurance review.
- Bundled Policy Perks: Clergy who combine auto insurance with renters or life insurance save an average of 12%, making it ideal for those insuring both personal and church assets.
Cons
- Higher Base Rates for Some Clergy: Without Snapshot, clergy may start at premiums near $104 a month, which can be cost-prohibitive for smaller congregational salaries.
- Less Agent Availability: Progressive has fewer in-person agents, which could limit tailored clergy insurance consultations for multi-vehicle or pastoral use cases.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#5 – USAA: Best for Military Members
Pros
- Lowest Starting Rates: Military-affiliated clergy qualify for auto insurance starting at $21 per month, one of the lowest rates in the clergy auto market. Explore our review of USAA auto insurance.
- SafeDriver Program: USAA rewards clergy with up to 20% discounts for maintaining a long-term clean driving record and participating in annual safety training.
- Top Claims Satisfaction: USAA consistently scores 90% or higher in claims satisfaction among military personnel, reflecting prompt payouts and low dispute rates.
Cons
- Membership Restrictions: Only clergy with direct military ties or family members in service are eligible for USAA coverage, limiting access for the general clergy population.
- Fewer Walk-in Locations: USAA’s limited physical presence means clergy often rely solely on phone or digital servicing for vehicle coverage support.
#6 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible Perk: Clergy enrolled in safe driving programs can reduce their deductible by $100 each year, up to a maximum of $500.
- Multi-Policy Discounts: Clergy can save up to 25% by bundling auto insurance with church or personal property coverage, which you can read more about in our Nationwide auto insurance review.
- SmartRide Customization: Clergy can earn up to 40% off using the SmartRide device, which tracks braking, acceleration, and idle time during pastoral routes.
Cons
- Fewer Discounts for Religious Affiliations: Nationwide doesn’t widely promote clergy-specific or affinity-based discounts, limiting added savings for ministers.
- Higher Quotes for Urban Clergy: Clergy based in metropolitan areas may face quotes starting above $120 a month, even with program participation.
#7 – Farmers: Best for Group Discounts
Pros
- Affinity Program Access: Clergy belonging to recognized religious organizations may qualify for discounts of 7–10% through Farmers’ group partnerships.
- Coverage for Church Vehicles: Farmers offers optional endorsements for clergy who use personal vehicles for church business, reducing liability gaps.
- Claims Satisfaction Guarantee: Farmers’ unique pledge promises a 100% premium refund if clergy aren’t satisfied with their first claims experience. Find insights in our Farmers auto insurance review.
Cons
- Online Tools Less Robust: Clergy looking to manage policies digitally may find Farmers’ online portal less intuitive compared to larger competitors.
- Full Coverage Rates Run High: For clergy requiring full coverage, Farmers quotes can reach $131 per month, which is above average among major carriers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#8 – Liberty Mutual: Best for RightTrack Program
Pros
- RightTrack Technology: Clergy drivers enrolled in RightTrack can earn up to 30% off by avoiding hard braking, late-night travel, and rapid acceleration.
- Roadside Assistance Included: Liberty Mutual offers clergy 24/7 roadside help at no extra cost, covering flat tires, jump-starts, and towing.
- Multi-Policy Savings: Clergy who bundle auto insurance with home or renters insurance often receive an average 10% discount. Dive into our review of Liberty Mutual auto insurance.
Cons
- Mixed Customer Ratings for Claims: Clergy report inconsistent claim resolution times, with satisfaction scores fluctuating between 3.6 and 4.1 stars.
- Higher Full Coverage Premiums: Liberty Mutual’s full coverage for clergy drivers may exceed $165 per month, making it one of the pricier options in the segment.
How to Get Better Auto Insurance Rates as a Clergy Member
Clergy members can take several practical steps to lower their car insurance costs without compromising important coverage. By using specific programs and maintaining good driving habits, they can discover useful savings that cater to their unique needs.
- Keep Your Driving Record Clean: Avoid traffic tickets to qualify for safe-driver discounts of up to 22% with certain insurance companies.
- Limit Annual Mileage: If you drive less than 7,500 miles per year, you can save based on usage with programs such as Drive Safe & Save or RightTrack.
- Bundle Policies: If you combine your car insurance with other types like renters, homeowners, or life insurance, you can get multi-policy discounts. These discounts usually range from 10% to 25%.
- Join Telematics Programs: Utilize tools like Snapshot or Drivewise to track your driving habits and potentially save up to 40%, depending on your driving performance.
- Inquire About Affinity Group Discounts: Clergy members who are part of a religious organization may qualify for special group discounts, sometimes up to 10%.
As a clergy person, it is essential to ensure that you are adequately protected from financial losses in the event of an accident. You can achieve this by obtaining sufficient coverage from a trusted insurer while also taking advantage of all available discounts. Learn how to get auto insurance as a clergy member and unlock exclusive discounts.
Keep your credit score high and avoid lapses in coverage. In particular, continuous insurance history can lower rates more than many realize.Dani Best Licensed Insurance Producer
Any driver should take advantage of available discounts. Discounts will ensure that you’re fully protected and will keep the church’s auto insurance costs down. If you want to see how auto insurance affects clergy members, enter your ZIP code to start comparison shopping today and save on auto insurance rates.
Frequently Asked Questions
Who offers the best auto insurance coverage for clergy?
State Farm, Geico, and Allstate offer the best auto insurance coverage for clergy, with programs tailored to their needs, including Drive Safe & Save, safe driver discounts, and usage-based insurance rewards.
What type of insurance does a church need?
You need general liability, property, and professional liability coverage for a church, along with optional endorsements such as sexual misconduct, directors and officers (D&O), and commercial auto for church-owned vehicles.
Who is the largest church insurer?
Church Mutual is currently the largest church insurer in the U.S., serving over 100,000 religious organizations and offering specialized coverage tailored to ministries. Compare the best auto insurance options for clergy using our free quote comparison tool.
What insurance companies are dropping churches in some regions?
Some regional insurers have reduced or stopped offering church policies due to increased claims or rising risks, particularly in states with a history of frequent natural disasters or high litigation exposure.
What are the best church insurance companies available to you today?
You can find top-rated church insurance companies like Church Mutual, GuideOne, and Brotherhood Mutual that offer liability, property, and workers’ comp coverage designed for ministries. See the best property damage liability (PDL) auto insurance for churches.
Is small church insurance different from standard church policies?
Yes, small church insurance often has lower monthly premiums, starting at around $90 per month, and focuses on essentials like liability protection and building coverage for congregations under 100 members.
How can you get affordable church insurance without sacrificing coverage?
You can reduce monthly church auto insurance costs by choosing higher deductibles, bundling coverage types, and working with insurers that specialize in church packages for smaller ministries.
What should you look for in church insurance providers?
You should prioritize providers with ministry experience, flexible general liability coverage, and options like pastoral counseling or abuse liability endorsements.
How does church insurance work in Texas for your congregation?
In Texas, church auto insurance typically covers liability, storm damage, and injuries to volunteers and other individuals. Plans from providers like GuideOne or Church Mutual often start at around $95 per month. Find the best Texas auto insurance for ministry and personal vehicle use.
What can you expect from State Farm church insurance if you’re already a policyholder?
State Farm offers church liability and property policies, but clergy-specific endorsements, such as pastoral counseling or abuse coverage, may require additional customization.
Where can you call for the Church Mutual Insurance phone number when you need support?
You can contact Church Mutual at (800) 554-2642, where licensed agents are available to assist with claims, billing, or policy questions for houses of worship.
How does a QSEHRA for churches help you support clergy health benefits?
A QSEHRA for churches enables you to reimburse clergy for individual health premiums and medical expenses tax-free, with average monthly limits of $150–$500 per employee.
Can you get Geico church insurance for your ministry needs?
Geico does not offer church insurance packages; however, you can insure clergy or church-owned vehicles with personal or commercial auto policies through Geico. Explore the best commercial auto insurance companies for insuring ministry fleets.
What does pastor insurance include when you’re looking for coverage?
Pastor insurance often covers liability, health and disability insurance, and vehicle protection when driving for official church activities.
Is ecclesiastical car insurance available for your religious vehicle use?
Ecclesiastical car insurance isn’t used in U.S. terminology, but commercial auto insurance for religious organizations is available through companies like Church Mutual or GuideOne.
How much does church insurance cost?
Church insurance costs between $90 and $125 per month, depending on factors such as building size, coverage type, location, and selected policy endorsements, including abuse or pastoral liability coverage.
Why is church insurance so expensive in some cases?
Church insurance can be expensive due to liability risks, the need for specialized endorsements such as sexual misconduct and employment practices liability, and the cost of maintaining older buildings. Learn how liability auto insurance coverage supports clergy in daily driving.
What are the top 3 insurance companies for clergy?
The top three insurance companies for clergy are Church Mutual, GuideOne, and Brotherhood Mutual. They offer tailored policies for houses of worship and clergy-related exposures.
How do pastors get insurance for their ministry work?
Pastors often obtain coverage for health, general liability, life, and auto insurance related to ministry duties through employer-sponsored church plans, QSEHRAs, or directly from providers.
Does State Farm offer insurance policies for churches?
Yes, State Farm offers church insurance with general liability and property coverage, but pastoral liability and abuse coverage may require customized policy endorsements.
What churches are losing the most members due to insurance issues?
Some small and rural churches struggle with closures due to rising insurance premiums or inability to meet property and liability requirements needed for coverage. Find the cheapest liability-only auto insurance designed for church drivers.
Which company offers the most affordable insurance for clergy members?
USAA offers low auto insurance rates for eligible clergy with military ties, while Geico and State Farm provide affordable monthly options for clergy without military affiliation.
Why are all the churches closing because of insurance challenges?
Some churches are closing as insurance premiums rise, especially for aging properties or those in high-risk areas, making it difficult to maintain coverage and comply with lender requirements.
Is USAA better than State Farm for your clergy insurance needs?
USAA is often preferred for eligible clergy due to its lower rates and strong customer service, while State Farm is better suited for churches that need broader property and liability coverage.
Which insurance company has the most complaints from churches or clergy?
Liberty Mutual and Allstate have above-average complaint volumes, mostly related to claims delays or limited responsiveness on church-specific coverage questions. Learn how to file a complaint against your auto insurance company if your clergy claim is delayed.
Does AARP have car insurance for clergy?
Yes, AARP offers car insurance through The Hartford, and depending on your driving history and location, you may qualify for discounted rates, accident forgiveness, and RecoverCare benefits starting at around $45 per month.
Can a church operate without insurance?
You can legally operate a church without insurance in some states, but it’s strongly discouraged, as most lenders, landlords, and event venues require liability or property coverage for protection.
Do churches offer health insurance for clergy?
Yes, many churches offer health insurance through group plans, QSEHRAs, or denominational health boards. These plans often cover a portion of clergy premiums and sometimes extend benefits to dependents.
What type of insurance should a nonprofit have?
Your nonprofit should carry general liability, directors and officers (D&O) liability, property, and workers’ compensation insurance, with optional coverage for cyber and professional liability based on your specific operations. See which providers offer the best auto insurance for nonprofit organizations.
What is the class code for church insurance?
The class code for church insurance typically falls under 8868 for religious organizations. This code includes coverage for places of worship, administrative staff, and outreach programs.
What insurance covers an act of God?
Property insurance typically covers Acts of God, such as lightning, windstorms, and hail. However, earthquakes and floods usually require separate endorsements or standalone policies.
What is a church plan insurance?
A church plan insurance is an employee benefit plan sponsored by a church or ministry that can include health, life, and retirement benefits, and is often exempt from the Employee Retirement Income Security Act (ERISA) regulations.
What is church insurance called?
Church insurance is often marketed as religious organization insurance and includes a mix of property, liability, pastoral counseling, and commercial auto coverage. Explore the best commercial general liability insurance to protect clergy.
Is clergy health insurance taxable?
Clergy health insurance is generally not taxable if provided under a group plan, but reimbursements from QSEHRAs must follow IRS guidelines to remain tax-free.
Do church plans have to file a 5500?
No, most church plans are exempt from filing Form 5500 because they are not subject to ERISA; however, it’s essential to confirm eligibility with a benefits administrator. Compare the best auto insurance for clergy by entering your ZIP code into our free quote comparison tool.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.