Living Near a Church Affects Your Car Insurance Rates

Car insurance rates near churches are often lower than other neighborhoods. Moving to a quieter neighborhood may reduce your car insurance rates by up to 12%.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 12, 2020

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Here's what you need to know...

  • Living near a church may lower your car insurance rates
  • Living near schools and restaurants often makes your car insurance rates increase
  • If a church or religious organization has been recently added to your neighborhood, talk to your insurance agent to see if you qualify for a lower insurance rate


If you are in the process of relocating, consider the costs of your car insurance.

Church communities and other religious communities tend to have cheaper car insurance simply because of the location and its residents. Churches themselves may be able to get a discount on their commercial insurance for church vans and buses.

Enter your ZIP code at the top of this page to compare car insurance quotes from multiple companies today!

When realtors say “Location, location, location,” most people think of good schools, nearby shopping, and easy access to public transit. Few people consider how their choice in residence can affect the cost of their car insurance.

There are simple ways to reduce your car insurance simply by choosing one block over another.

Living near a police station is one way to reduce your costs. Living near a church is another.

Of course, if you are already situated in your home it is not going to be cost effective to sell your house and relocate just to save money on your car insurance premiums. However, neighborhoods change all the time so that car insurance rates can change as well.

Church Communities and Religious Institutions

Car insurance is based on a variety of factors, including location.

Living in a dangerous neighborhood will most likely lead to an increase in your car insurance premium. Your car insurance company is going to take the higher risk of vandalism or theft into consideration and charge you for it.

Living in an urban area also lends itself to higher insurance premiums, as does living near restaurants or the nightclub district.

Whenever there is a location near a high-traffic area, chances are your car insurance rates will increase.

However, statistics show that residential locations near churches or other religious institutions have a reduced traffic area. Less traffic means reduced risk, thereby lowering your car insurance premiums.

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Church Communities Located near Schools

Unfortunately, living near schools adds another dimension of risk to driving. Not only do schools tend to be located on small residential streets, but their traffic areas also peak at the same times, increasing the risk of an accident.

Elementary schools add another risk because of the dangers of small children running out into the street.

Due to this, people who live within one mile of a school may actually see an increase in their car insurance premium.

So, while living near a church can save you money, living near a school may cost you more. The problem with this location scenario is that many times schools and churches are located within the same area.

Church Vans and Buses

Many churches plan group outings for day trips and sometimes extended stays. It is not uncommon for a church to own its own van or bus for transporting church members to various events.

Commercial car insurance is expensive, but some car insurance companies will quote a reduced rate to a church because it is seen to be a lesser risk.

For example, a school bus may be more to insure than a church bus since the school bus is almost guaranteed to be filled with children.

If a church does not own its own bus or van for transportation, then it can rent one for its event. When you rent a bus for your ground transportation, it comes with a driver and all of the liability lies with the bus rental company.

The bus rental company will be responsible for providing a properly insured vehicle and appropriately licensed driver for your trip. The church simply pays for the charter and does not need to worry about liability or collision car insurance.

If you are responsible for providing the group transportation for your church and you own your own bus or van, then be sure you have adequate coverage for all of your trips.

Shop around with different insurance companies to see who will give you the most affordable rate for the best coverage van insurance if that is what you need.

You cannot easily change your residence, but you can find out if you qualify for a lower rate based on where you live and what your surroundings are. Perhaps a new church has recently been built in your neighborhood, or there may be a small community religious institution nearby that you didn’t know about.

Walk around your neighborhood and see what’s around you; then call your insurance agent and request a new quote.

If you need car insurance, church communities tend to pay less in premiums.

Enter your ZIP code below to compare prices from many different car insurance companies in your area today!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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