Best Auto Insurance for Clergy in 2025 (Our Top 8 Picks)

The best auto insurance for clergy is offered by State Farm, Geico, and Allstate. Clergy, on average, face a monthly cost of $111 for their auto insurance requirements.

Leading the way, State Farm offers clergy an affordable rate of just $82 per month. Learn how to compare State Farm’s rates in our where to compare auto insurance rates guide.

Our Top 8 Company Picks: Best Auto Insurance for Clergy

Despite the demands of their job, clergy exhibit disciplined driving habits. Engaging in events like memorials and weddings often involves extensive driving. Auto insurance is essential for clergy.

Continue reading to learn more about minister discounts and cheap church insurance. You can also enter your ZIP code above to compare quotes.

#1 – State Farm: Best Auto Insurance for Clergy Overall

Pros

• Multiple policy discounts: State Farm offers discounts when combining auto and home insurance.
• Good student discount for clergy members with children: State Farm provides a good student discount that may be advantageous for clergy members with children in school. You can read more about State Farm’s discounts in our State Farm auto insurance review.
• Convenient online tools and resources: State Farm offers a user-friendly online platform for easy policy management.

Cons

• Higher rates for some individuals: State Farm’s rates may be higher for certain individuals.
• Limited online capabilities: State Farm’s online services may not be as extensive as some competitors.

#2 – Geico: Runner Up

Pros

• Government employee discount: Geico offers a government employee discount that may apply to clergy. 
• Membership and organizational discounts: Geico provides discounts for specific affiliations, potentially benefiting clergy. You can learn more about Geico’s discounts in our Geico auto insurance review.
• 24/7 customer service: Geico ensures around-the-clock customer support for any inquiries or assistance.

Cons

• Rates variation based on individual factors: Geico’s rates can vary widely based on individual circumstances.
• Limited local agents: Geico may not have as many local agents available for in-person assistance.

#3 – Allstate: Best for Safe Driving Discounts

Pros

• Drivewise program: Allstate’s Drivewise program offers safe driving discounts, which you can read more about in our Allstate auto insurance review.
• Multi-policy discount: Allstate provides a multi-policy discount for bundling auto and home insurance.
• Nationwide availability: Allstate is widely available across the country, offering accessibility to a broad customer base.

Cons

• Higher premiums compared to other providers: Allstate’s premiums may be higher than those of other providers.
• Mixed customer service reviews: Allstate’s customer service reviews are mixed, with some customers reporting dissatisfaction.

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#4 – Progressive: Best for Snapshot Program

Pros

• Name Your Price tool: Progressive offers a tool for customized coverage called Name Your Price.
• Snapshot program: Progressive auto insurance discounts can be explored through the Snapshot program, which may offer potential savings based on driving behavior. You can learn more in our Progressive auto insurance review.
• Variety of coverage options: Progressive provides a diverse range of coverage options to cater to different needs.

Cons

• Rates not the cheapest for all individuals: Progressive’s rates may not be the most affordable for everyone.
• Limited local agents: Progressive may not have as many local agents for face-to-face assistance.

#5 – USAA: Best for Military Members

Pros

• Available to military members and their families, including clergy: USAA is accessible to military members, extending to clergy and their families.
• Safe driver discounts and bundling options: USAA offers safe driver discounts and options for bundling policies. You can learn more about USAA’s discounts in our USAA auto insurance review.
• Excellent customer service: USAA is known for its exceptional customer service, ensuring satisfaction for policyholders.

Cons

• Exclusive availability to military members: USAA is only available to military members and their families.
• Limited physical branches: USAA has a limited number of physical branches, which may impact in-person assistance.

#6 – Nationwide: Best for Multi-Policy Discounts

Pros

• Multi-policy discounts: Nationwide provides discounts for combining auto and other coverage, which you can read more about in our Nationwide auto insurance review. 
• Vanishing Deductible program: Nationwide offers a Vanishing Deductible program for safe driving.
• Personalized insurance plans: Nationwide tailors insurance plans to individual needs, providing customized coverage.

Cons

• Possibly higher rates for some individuals: Rates with Nationwide may be higher for certain individuals.
• Limited discounts for specific groups: Nationwide’s affinity group discounts may not cover a wide range of organizations.

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#7 – Farmers: Best for Affinity Group Discounts

Pros

• Affinity group discounts: Farmers Insurance offers affinity group discounts for specific organizations, potentially including religious affiliations.
• Diverse coverage options: Farmers Insurance provides a range of coverage options. You can learn more about Farmers’ coverage options in our Farmers auto insurance review.
• Claims satisfaction guarantee: Farmers Insurance offers a claims satisfaction guarantee, ensuring customer contentment in the claims process.

Cons

• Possibly higher rates compared to other providers: Rates with Farmers Insurance may be higher compared to other providers.
• Limited online tools: Farmers Insurance may have fewer online tools and resources compared to some competitors.

#8 – Liberty Mutual: Best for RightTrack Program

Pros

• Multi-policy discounts: Liberty Mutual offers discounts for bundling auto and home insurance.
• RightTrack program: Liberty Mutual’s RightTrack program may provide potential safe driving discounts. You can learn more about Liberty Mutual’s RightTrack program in our Liberty Mutual auto insurance review.
• Emergency roadside assistance: Liberty Mutual includes emergency roadside assistance in its coverage options, providing additional peace of mind.

Cons

• Possibly higher rates depending on individual circumstances: Rates with Liberty Mutual may be higher depending on individual circumstances.
• Mixed customer reviews: Liberty Mutual has mixed customer reviews, with some customers expressing dissatisfaction with claims processing.

Auto Insurance Discounts for Clergy

The clergy can have access to any discounts available to any other person if they qualify. Discount programs offered by different auto insurance companies are almost similar in most cases.

Whether you are insuring a car for personal or church business, what varies is the auto insurance rates. To get the best pastoral insurance discounts and rates, you have to compare car insurance quotes from several auto insurance companies.

Discounts For Clergy From Top Providers

Here are some auto insurance discounts the clergy can get if they qualify:

• If you are in the clergy and you are a member of a credit union, alumni group, or any other kind of organization, you automatically qualify for the professional organization discounts. These discounts are exclusively available to the members of these groups.
• Clergymen who don’t drive too much can receive low-mileage discounts. Priests, pastors, and bishops hardly qualify for this kind of discount due to frequent driving.
• If you are in the clergy and you drive an economy car, you may get a discount from your insurer if they offer discounts for economy cars.
• If you have taken a defensive driving class, you may attract lower premiums depending on your insurer. Ask your agent how taking this particular course will affect your auto insurance rates.
• Some companies give discounts to people who purchase brand new cars off the lot. The assumption here is that you will be more careful with a new vehicle, thus less likely to file a claim.
• Most insurers will give safety discounts for vehicles fitted with safety and security features such as anti-lock brakes and anti-theft devices.
• Many members of the clergy can easily qualify for lifestyle discounts offered by many auto insurance companies. People who don’t drink alcohol and are 100% drug-free are eligible.
• Sticking with the same auto insurance company for many years can get you the long-term customer discount. Auto insurance companies reward you for being a loyal customer.
• Getting old comes with some perks too. For instance, you get to enjoy the mature driver discounts as you age. Embrace the aging process.

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 discounts for ordained ministers aren’t advertised to the general market.

A clean driving record and good credit can save you hundreds on auto insurance per year. Also, it offsets expensive auto insurance rates from commute mileage.

Read More: How Credit Scores Affect Auto Insurance Rates

Church automobile insurance for pastors and Rabbis can be much cheaper since they’re professions have a low risk of violations like DUI convictions.

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How Driving Patterns Affect Auto Insurance Rates for Clergy

Most clergy persons tend to be safe drivers. This fact helps bring their auto insurance rates down sometimes; it’s not guaranteed.

However, clergy persons tend to spend a lot of time on the road.

Driving more frequently increases their risk factor by making them statistically more likely to get involved in an accident, even if it may not be their fault.

Factors That Determine Auto Insurance

Here’s a list of other factors that may affect a clergy person’s auto insurance rates:

• Where you live: Clergy persons who serve in high-risk areas tend to get higher auto insurance quotes.
• Driving record: Clergy persons with clean driving records will attract lower rates.
• Your car: The type of car you drive will affect your auto insurance rates. Some vehicle makes and models owners tend to file more claims, and if your car is that particular make and model, you are more likely to get a higher quote regardless of other factors.
• Deductibles and coverage: The specifics of your auto insurance deductibles and coverage play a significant role in the determination of your premium. Typically, auto insurance companies will ask you to decide the amount of coverage you want, beyond the state-mandated cover. You will determine the amount of your deductible as well.

While the factors considered in the determination of auto insurance rates may be similar in almost all auto insurance companies, each company has unique risk prediction and price calculation models. Therefore, all companies have different rates and coverage options.

Read More: Factors That Affect Auto Insurance Rates

Companies are unique, but all drivers in the United States require at least 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.

How to Increase Your Chances of Getting Good Car Insurance Rates

• Keep a good auto insurance credit score as high as possible and keep on the lookout for possible errors, which might drive your rates high.
• Maintain a clean driving record.
• Install all safety and security features on your car to reduce the possibility of theft or crashing.
• Settle for a higher deductible.
• Take a defensive driving course if you haven’t done that already.
• Shop around. Comparing is key. Don’t just purchase coverage from the first insurer website you visit.

As a clergy person, it is imperative to ensure that you are sufficiently protected from financial losses in case of an accident.

You can do that by getting sufficient coverage from a trusted insurer while making sure that you take advantage of all available discounts.

Any driver should take advantage of available discounts. Discounts will ensure that you’re fully protected and will keep the church auto insurance cost down.

If you want to see how auto insurance affects clergy members, enter your ZIP code below to start comparison shopping today and save on auto insurance rates.

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