I picked Generations. I truly hated the weak plot that they made to pass the flag from Kirk to Picard. It basically had no real substance in it. Not to mention making purists hate the movie because it contradicted an earlier episode, Relics, in TNG.
The only redeeming quality was the destruction of Enterprise, as in my opinion, Galaxy class is the ugliest UFP ship around.
I also admit I only watched the second half of Insurection, so my vote might be a little biased.