AAA vs. Secura: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Secura offers significantly more affordable prices than AAA
• AAA offers more discounts than SECURA Insurance
• Secura offers more affordable rates for residents of rural areas

AAA vs. Secura: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might be considering AAA or Secura, but which one will save you the most?

Looking at nationwide averages, AAA has average rates that are about 55% per month more expensive than those from Secura.

Even so, Secura may not be the lowest or best option for each driver out there. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your age, your driving record, or even your credit score (among other things), so premiums will vary quite a bit from person to person.

So, if you want to find out which of AAA or Secura is really the best for you, keep reading to see average rates for each company broken down by many different rate factors.

AAA or Secura: Average Car Insurance Rates by State

AAA and Secura only compete against each other in two states, with Secura offering cheaper prices to the average driver in all of them. Wisconsin has the most noticable difference, where Secura premiums are over 70% less expensive than car insurance prices at AAA.

That being said, there's a lot more that goes into your auto insurance payment than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Secura save nearly $400 a month compared to those who use AAA.

But both carriers will reduce rates by the time drivers turn 25. For example, average prices for AAA policyholders drop more than $400 and Secura's rates lower almost $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable car insurance premiums you can find. After all, they've likely been driving for quite some time, which normally decreases their chances of accidents and other infractions that can increase prices.

When looking at AAA and Secura specifically, which carrier is best for retired drivers? Secura gets the edge, with premiums for drivers 65 and older $127 more affordable than the national average for AAA.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive auto insurance rates than married policyholders. That's typically because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Secura is the clear winner for single drivers, with premiums around $200 per month less expensive than AAA, on average. The advantage for married couples with Secura is also obvious, where drivers save over 50% a month.

AAA vs. Secura: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding, which means they'll normally end up paying more for car insurance than women.

Men typically pay more than 10% more per month than women with AAA, while with Secura, the difference is closer to 2% a month.

Looking at overall affordability, Secura offers the lowest average rates for both men and women, with average prices $184 less for men and $153 cheaper for women.

AAA or Secura: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that insurance can be pretty complicated. There are a variety of different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum liability insurance, Secura usually offers significantly cheaper rates of $69 compared to AAA's $169. When it comes to full coverage policies with similar limits, Secura again has the edge, with policies about $250 per month less expensive than AAA, on average.

Is AAA or Secura Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with at-fault collisions and tickets on your record, but which of these two carriers offers the most affordable premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

AAA policyholders can expect their prices to go up an average of $86 a month if they get a ticket, while Secura generally raises rates around $35 per month, on average.

However, Secura has cheaper premiums for drivers in both categories -- their rates are around 59% more affordable for drivers with clean records and 59% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault accident with AAA raising by just under $150. Secura has a less extreme increase, but you can still expect to pay over $40 more than you were prior to your first collision.

Overall, the more affordable premiums come from Secura, with monthly prices averaging $129 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- usually a lot more than a collision or speeding ticket. AAA drivers usually see a 47% raise in their auto insurance rates after a DUI charge, while Secura will typically climb premiums by about 64%.

If you have a DUI on your record and are looking for more affordable prices, Secura tends to be the much cheaper option with average premiums of $244 monthly compared to $403 from AAA.

How does Credit Score Impact AAA and Secura Rates?

In many cases, your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it does affect quite a few drivers out there.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which increases the risk involved on their end, while the opposite is true for those with good credit.

So, which company offers the best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Secura. Drivers with "excellent" credit can save just under 35% compared to AAA, and those with "good" scores can also expect to see savings -- around $114 or 46% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Secura typically offers lower rates than AAA when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $156 a month less with Secura compared to AAA, and those with "poor" scores generally save an average of around $360 per month.

Is AAA or Secura Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on your monthly car insurance cost. Normally, those who drive less will end up with cheaper premiums since there's less of a chance of getting into an accident and causing an insurance claim.

Secura tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Secura's average rates for drivers with 6,000 annual miles come in nearly 55% cheaper than AAA. Those who drive 12,000 miles annually can expect to pay just under 55% less with Secura over AAA.

AAA vs. Secura: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a substantial impact as well. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer vehicles on the roads in those areas.

Secura tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save about $117 with Secura compared to AAA. Drivers in suburban ZIP codes pay around $164 less with Secura compared to AAA. In urban areas, SECURA Insurance's average rates are about $223 less than AAA Insurance.

AAA vs. Secura Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be hard to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

In the section below, we've compared all of the different discounts offered by AAA and Secura so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

AAA knocks Secura out of the park when it comes to the sheer number of discounts available, offering 33 different discounts to Secura's 19.

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, discounts for being a good driver, and hybrid vehicle discounts. AAA also offers AAA discounts, academic discounts, COVID-19 relief discount, and more that Secura does not.

On the flip side, Secura has a couple unique discounts of its own -- low income discounts, pip discounts, policy transfer discounts, and more.

Final Thoughts: Is AAA or Secura Best for You?

So, you've seen how different factors can affect your insurance prices. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is AAA or Secura the best fit for you?

Secura might be best for you if....

• You're single and purchasing car insurance by yourself.
• Your credit score is high.
• You live in a rural neighborhood.

AAA might be best for you if...

• You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare AAA and Secura. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just AAA and Secura. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

AAA vs. Secura FAQs

Is AAA or Secura cheaper?

Looking just at the national average rates, Secura is the less expensive of the two carriers, offering average rates of $146 per month compared to $314 for AAA. But Secura won't necessarily be the cheapest company for everyone, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, AAA or Secura?

Unfortunately, the real answer is "it depends.". Neither carrier is "better" for every driver -- it all boils down to your unique insurance profile.

Why do AAA and Secura offer me different rates?

Car insurance companies take a look at several different factors when calculating the premiums they charge policyholders. Things like age, your driving record, where you park your car, gender, and sometimes even things like your credit score can all be taken into consideration. Both AAA and Secura calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from multiple different carriers.

How do I know if AAA or Secura is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be AAA or Secura at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.