The best car insurance for ministers is with Auto-Owners, Amica, and Nationwide. Auto-Owners offers the most affordable rate at $60 per month with reliable coverage.

Excellent customer service is what Amica stands out for, while Nationwide provides comprehensive options for broader protection. Check out our car insurance shopping guide for more details.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A++	Reliable Coverage	Auto-Owners
	#2	30%	A+	Excellent Service	Amica
	#3	20%	A+	Comprehensive Options	Nationwide
	#4	17%	B	Local Agents	State Farm
	#5	25%	A++	Affordable Rates	Geico
	#6	20%	A	Flexible Policies	Farmers
	#7	10%	A+	Innovative Discounts	Progressive
	#8	10%	A++	Military Friendly	USAA
	#9	5%	A+	Senior Discounts	The Hartford
	#10	25%	A	Customizable Coverage	Liberty Mutual

This table ranks the best car insurance for ministers, highlighting top picks like Auto-Owners for reliable coverage and Amica for service. Enter your zip code above to find the best car insurance for you.

What You Should Know

• Auto-Owners offers the best car insurance for ministers, starting at $60 monthly
• Having a clean driving record significantly lowers insurance premiums for ministers
• Bundling insurance with Geico is a great option for ministers

#1 - Auto-Owners: Top Pick Overall

Pros:

• Reliable Coverage: Our Auto-Owners review explores its coverage options. Some are specifically designed to meet ministers' unique needs.
• Strong Financial Rating: Auto-Owners provides trusted protection with an A++ rating from A.M. Best.
• Bundling Discounts: Ministers can save up to 25% by bundling their policies with Auto-Owners.

Cons:

• Limited Online Tools: Auto-Owners lacks some digital tools, which might make managing policies online less convenient.
• Availability: Auto-Owners is not available in all areas, so some ministers may not have access.

#2 - Amica: Best for Excellent Service

Pros:

• High Bundling Discounts: Offers up to 30% in bundling discounts, helping ministers reduce costs on combined insurance policies.
• Excellent Service: Like what Amica policy holders are saying, Amica exhibits excellent customer service especially for ministers.
• High Claims Satisfaction: Amica has very efficient claims handling for ministers.

Cons:

• Higher Premiums: The top-tier service for ministers may come with slightly higher monthly rates than others.
• Limited Local Agents: Fewer physical locations may limit in-person support options for ministers needing assistance.

#3 - Nationwide: Best for Comprehensive Options

Pros:

• Discounts for Ministers: Nationwide gives special bundling and multi-vehicle discounts for ministers.
• Financial Strength: Nationwide's A+ rating by A.M. Best highlights its reliability for ministers seeking long-term coverage.
• Comprehensive Options: Highlighted in our Nationwide review is the wide range of insurance coverage options for ministers.

Cons:

• Higher Cost for Full Coverage: Ministers may pay more for full coverage with Nationwide than with other insurers.
• Average Digital Experience: Nationwide’s digital tools for managing minister auto insurance may not be as user-friendly as some competitors’ platforms.

#4 - State Farm: Best for Local Agents

Pros:

• Local Agents: Our State Farm review emphasizes accessibility and personalized service for ministers.
• Fast Claims Process: Ministers benefit from quick claims processing due to the presence of many local agents.
• Competitive Premiums: Ministers are offered affordable premiums by State Farm.

Cons:

• Lower Bundling Discount: Ministers may be unsatisfied with the lower bundling discount available through State Farm.
• B Average Financial Rating: State Farm's financial rating may be a bit concerning for ministers.

#5 - Geico: Best for Affordable Rates

Pros:

• Reliable Financial Strength: Ministers can expect reliable coverage from Geico.
• Affordable Rates: Geico offers lower rates on car insurance specifically for ministers.
• Bundling Discounts: Ministers can save as much as 25% by bundling home, car, and home or renters insurance. Learn how in our Geico renters insurance review.

Cons:

• Less Personalized Support: Geico’s online-based model may lack the personal assistance some ministers seek.
• Fewer Local Agents: With a smaller number of local agents, it may be challenging for ministers to access in-person help.

#6 - Farmers: Best for Flexible Policies

Pros:

• Generous Discounts: Farmers provides up to 20% savings for ministers through multi-policy and safe driver discounts.
• Reliable Customer Support: Farmers offers strong, personalized service tailored to the specific needs of ministers.
• Customizable Policies: Read about its flexible policy options in our Farmers review, with plans that can be tailored to meet minister insurance needs.

Cons:

• Higher Premiums: Farmers may have higher minister car insurance rates than other companies.
• Basic Digital Services: With less advanced online tools, ministers may find it harder to manage their insurance online with Farmers.

#7 - Progressive: Best for Innovative Discounts

Pros:

• Innovative Discounts: Our Progressive review discusses the unique discounts offered to ministers for maximum discounts.
• Customizable Coverage: Progressive provides personalized coverage for ministers because it is one of the best car insurance companies for ministers.
• Strong Financial Rating: With an A+ rating, Progressive ensures ministers have stable car insurance coverage.

Cons:

• Higher Premiums for High-Risk Drivers: Ministers with poor driving records may face higher premiums.
• Average Customer Service: Progressive's customer service satisfaction varies, as some clients suggest.

#8 - USAA: Best for Military Families

Pros:

• A++ Financial Rating: USAA ensures reliable coverage for ministers with their A++ rating.
• Military-Friendly: Our USAA review talks about its focus on providing military-friendly policies for ministers with military backgrounds.
• Affordable Rates: USAA provides competitive rates for ministers, especially those with good driving records.

Cons:

• Membership Limitations: Only ministers with military affiliations qualify, limiting access to USAA.
• Fewer Discounts: USAA offers fewer bundling discounts than competitors like Auto-Owners and Amica.

#9 - The Hartford: Best for Senior Discounts

Pros:

• Strong Financial Rating: Ministers does not have to worry about stability due to the high financial rating of The Hartford.
• Customizable Coverage: The Hartford customizes coverage to meet ministers' specific needs using its flexible options.
• Senior Discounts: Our The Heartford review mention the senior discounts ministers over 50 receive.

Cons:

• Limited Availability: Ministers in some areas may be unable to access The Hartfords' coverage options.
• Higher Premiums: The Hartford may charge higher rates for younger or less experienced ministers.

#10 - Liberty Mutual: Best for Customizable Coverage

Pros:

• Customizable Coverage: Summarized in our Liberty Mutual review are the flexible options offered to ministers.
• Strong Financial Stability: With their excellent financial rating, long-term coverage for ministers is not a problem for Liberty Mutual.
• Huge Bundling Discounts: Bundling minister car insurance with Liberty Mutual can yield up to 25% in savings.

Cons:

• Higher Full Coverage Premiums: Looking at Liberty Mutual's expensive comprehensive insurance, ministers may find other providers more suitable.
• Mixed Customer Service: Some ministers report negative experiences with Liberty Mutual's customer support.

Minimum and Full Coverage Rates for Ministers

The table below shows the monthly minimum and full car insurance coverage rates from our top ten car insurance companies for ministers.

Insurance Company	Minimum Coverage	Full Coverage
	$68	$170
	$60	$160
	$75	$175
	$55	$139
	$80	$180
	$73	$173
	$58	$155
	$65	$154
	$78	$178
	$53	$140

Auto-Owners, Geico, and USAA offer the most competitive minister insurance rates for both minimum liability and full coverage insurance.

By taking the time to compare various policies, ministers can find the most suitable coverage that meets their specific needs.

Exclusive Insurance Discounts for Ministers

The best car insurance companies for ministers offer exclusive discounts suited to their unique needs. The most popular are savings on premiums by bundling home and car policies.

Insurance Company	Available Discount
	Multi-policy discount, Good student discount, Safe driver discount, Affinity group discount
	Multi-policy discount, Safe driving discount, Pay-in-full discount, Affinity group discount
	Multi-policy discount, Safe driving discount, Professional group discount, Discounts for law enforcement personnel
	Multi-policy discount, Good driver discount, Military discount, Discounts for members of certain organizations (including clergy)
	Multi-policy discount, Safe driver discount, Discounts for law enforcement personnel, Discounts for new car safety features
	Multi-policy discount, Good student discount, Safe driving discount, Discounts for members of specific organizations (including clergy)
	Multi-policy discount, Safe driver discount, Homeowner discount, Discounts for members of specific organizations (including clergy)
	Multi-policy discount, Safe driver discount, Steer Clear (young drivers), Discounts for active law enforcement personnel
	Multi-policy discount, Safe driving discount, Discounts for AARP members, Discounts for active or retired law enforcement personnel
	Multi-policy discount, Safe driving discount, Military discount, Good student discount

Special discounts are also available for having a clean driving record and low mileage. Many companies consider ministers low-risk drivers and will reward safe driving habits with cheaper rates.

By taking the time on finding car insurance companies that customers recommend, ministers can make an informed decision on choosing the car insurance suitable for their specific needs.

The Best Car Insurance Providers for Ministers

Auto-Owners, Amica, and Nationwide have the best car insurance for ministers with a good balance of affordability, coverage, and personalized service.

These companies are recognized for their dependable plans and tailored options for ministers seeking cheap car insurance rates.

10 Things That Can Make the Cost Of Your #CarInsurance Renewal Go Up https://t.co/7xZUOOkRnO #AOAcademy pic.twitter.com/kPeWLqOfPs

— Auto-Owners (@AutoOwnersIns) May 11, 2017

Choosing the right company is vital and should align with your coverage needs and budget. Enter your ZIP code below to start finding the right car insurance for you.