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.

Amica stands out for excellent customer service, 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 and 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 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 options 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 lack some digital tools, which might make managing policies online less convenient.
• Availability: Auto-Owners may only be 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 policyholders are saying, Amica exhibits excellent customer service, especially for ministers.
• High Claims Satisfaction: Amica handles ministers' claims very efficiently.

Cons

• Higher Premiums: The top-tier service for ministers may come with slightly higher monthly rates than others.
• Limited Local Agents: Not using local agents and having only a few physical locations limit its minister accessibility.

#3 – Nationwide: Best for Comprehensive Options

Pros

• Discounts for Ministers: Nationwide gives ministers unique bundling and multi-vehicle discounts.
• Financial Strength: Nationwide’s A+ rating by A.M. Best highlights its reliability for ministers seeking long-term coverage.
• Comprehensive Options: Our Nationwide review spotlights the wide range of car 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 ordinary online tools may need to be more user-friendly for ministers than competitors.

#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 starting at just $65 a month.

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 concerns 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 fewer local agents, it may be challenging for ministers to access in-person help.

#6 – Farmers: Best for Flexible Policies

Pros

• Generous Discounts: Farmers provide ministers with up to 20% savings through multi-policy and safe driver discounts.
• Reliable Customer Support: Farmers offers robust and personalized service tailored to the specific needs of ministers.
• Customizable Policies: Read about its flexible policy options in our Farmers review, with plans 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 provides reliable coverage for ministers with their A++ rating.
• Military-Friendly: Our USAA review focuses on providing military-friendly policies for ministers with military backgrounds.
• Affordable Rates: USAA has affordable offerings starting at just $53 per month.

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 do not have to worry about stability due to the high financial rating of The Hartford.
• Customizable Coverage: Using flexible options, Hartford customizes coverage to meet ministers' specific needs.
• Senior Discounts: Our The Heartford review mentions 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: Hartford may charge higher car insurance 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 car insurance 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 for ministers from our top ten car insurance companies.

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 minimum liability and full coverage insurance.

By comparing various policies, ministers can find the most reliable coverage that meets their 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 Discounts
	Multi-Policy, Good Student, Safe Driver, Affinity Group
	Multi-Policy, Safe Driving, Pay-In-Full, Affinity Group
	Multi-Policy, Safe Driving, Professional Group, Law Enforcement
	Multi-Policy, Good Driver, Military, Organization/Clergy
	Multi-Policy, Safe Driver, Law Enforcement, New Car Safety
	Multi-Policy, Good Student, Safe Driving, Organization/Clergy
	Multi-Policy, Safe Driver, Homeowner, Organization/Clergy
	Multi-Policy, Safe Driver, Steer Clear, Law Enforcement
	Multi-Policy, Safe Driving, AARP Members, Law Enforcement
	Multi-Policy, Safe Driving, Military, Good Student

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.

Ministers can choose car insurance suitable for their specific needs by finding car insurance companies that customers recommend.

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.

Ministers acknowledge these companies for providing reliable plans and customized car insurance solutions.

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 and start finding the right car insurance.