Clergy Car Insurance Rates

Clergy car insurance rates are $100.83/mo on average. Because clergy members are on the road an average of 20 hours/week, clergy car insurance rates tend to be higher than others.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Oct 12, 2021

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Here's what you need to know...

  • Clergy members pay over $1,200 annually for car insurance
  • Pastors and priests are typically on the road around 20 hours a week
  • Clergy members enjoy tax breaks because of the nature of their jobs


Having a job in the clergy, whether it is as a pastor, bishop, or priest, requires a lot of personal commitment and the desire to help people who are struggling.

Those in the clergy spend a good deal of time driving to and from appointments and visiting people in their congregations. Good car insurance is a must for any clergy member! Not to mention the type of protection that you’re able to receive can bring you peace of mind in the long hours spent in your vehicle.

The average annual car insurance rate for clergy members is $1,209.94.

To find the best deal on car insurance rates, you can compare rates for yourself by entering your zip code in the FREE quote tool above!

Do the driving habits of the clergy matter?

As with any employee, car insurance rates are often set by industry studies of the driving habits of those employed in different occupations and through various organizations.

Though each individual has slightly different habits related to where they work, their personal life circumstances, and their own preferences, the insurance industry takes the data and paints a picture of the average person or employee in that occupation and then sets rates.

Clergy members tend to spend a lot of time driving.

This includes to and from their churches, hospital visits, appointments, counseling sessions, and additional emergencies. All of this driving means that clergy members will be on the road an average of 20 hours a week.

Due to emergencies and other situations that arise within the clergy profession, the hours that they drive are often erratic.

Having an unplanned routine and driving to unexpected places can result in more accidents and moving violations. It means that the type of protection the insurance provider can offer isn’t set in stone, because anything can happen. The driver isn’t necessarily high-risk, but they don’t want there to be any allowance for being undercut. Therefore, car insurance rates will be higher rather than lower.

Clergy members are often likely to be transporting people in their vehicles as well. This could be family members or members of the congregation that they oversee. Because of all of this, the insurance industry has set the annual average for clergy car insurance at the middle to high range. They want to ensure that they keep their family members safe, so it’s up to them to offer the type of coverage that would best come in handy.

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How can you save money on car insurance services as a clergy member?

As a clergy member, you have ways to save money on your insurance that other individuals may not have.

First of all, many churches provide car insurance coverage for their pastor, bishop, or priest. It is part of the overall benefits package offered to clergy members so there is no need to purchase a personal package. Take care to inform your provider so that they understand you’re eligible for this type of policy.

Other churches will provide a vehicle that is owned by the church to be driven by the clergy member. This could be a personal vehicle or a church van.

If it is a church-owned vehicle, there will likely be commercial auto insurance coverage for the clergy member and other drivers on staff.

Clergy members have many different tax breaks than those in different occupations. Almost everything involved in the daily life of a clergy member can be written off for tax purposes.

Car insurance, a vehicle purchase, and mileage that you drive for church-related purposes are all things that can be written off at tax time. You have to keep an accurate and complete mileage record for your miles to count.

This includes recording the mileage when you leave for your destination and the mileage when you arrive at your destination.

Are there any discounts available?

Clergy members are allowed the same discounts as other drivers, as long as they qualify.

For example, a good driver discount is for anyone who has avoided accidents and moving violations in the last three years. Having an anti-theft device on your vehicle is worthy of a discount as well.

Other discounts based on age, student status, defensive driving courses, and multiple policies are available to clergy and to anyone else that qualifies.

Some insurance companies that insure churches for property damage and personal liability will extend a discount to clergy members if they purchase a policy as well.

What’s next?

The best way to reduce your car insurance rate is to shop around; your income is meant to provide for a number of things and not just your car insurance. To ensure that you’re not spending all of your salary on bills, there are a few things that you can do.

Comparing rates and coverage options from several different insurance companies is a great way to start, and will determine if you are still getting the best rate that is available to you no matter your occupation. Even after getting a policy, comparing rates every six months is important because you could be looking at a number of savings. Especially because there are various types of coverage offered by any of the multitudes of companies that exist. You’ll have no trouble finding the type of policy that’s right for you.

No matter what job you have, you can compare car insurance rates by entering your ZIP code in the FREE box now!

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