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

Quick Facts

• Based on national averages for auto insurance, Secura offers significantly cheaper rates than Acuity
• Secura offers more affordable prices for couples purchasing insurance together
• Secura offers more affordable average premiums for drivers who have less-than-stellar credit

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

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You might be considering Acuity or Secura as potential options, but which carrier will save you the most?

As you can see, Acuity has average rates that are about 55% per month more expensive than those from Secura when looking at the national average rates for car insurance.

That being said, Secura may not be the lowest or best option for every single driver out there. Insurance companies use a variety of complex algorithms to calculate rates, so depending on how good your credit score is or how clean your driving record is (among lots of other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Acuity or Secura is really the best for you, keep reading to see average premiums for each carrier broken down by a bunch of different rate factors.

Acuity or Secura: Average Car Insurance Rates by State

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

That being said, there's a lot more that goes into your car insurance bill than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any other group of drivers. It's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. Just look at the table above -- where 18-year-old drivers who have Secura for their car insurance pay more than $500 less than those who use Acuity.

Even so, with both carriers, you'll see your rates decrease significantly once you turn 25. For example, average premiums for Acuity policyholders lower over $500 and Secura's prices reduce nearly $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest insurance rates you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of accidents and other infractions that can increase prices.

So, which company offers the best premiums to retired drivers? Secura gets the edge here, with average rates coming in at around $111 per month compared to Acuity's $183.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance prices than married couples. This usually boils down to married drivers having more than one car on their policy -- something quite a few car insurance companies will reward with discounts.

When it comes to relationship status, Secura is the clear winner for single policyholders, with premiums about $234 a month less expensive than Acuity, on average. The advantage for married policyholders with Secura is also obvious, where drivers save around $80 per month.

Acuity vs. Secura: Average Rates by Gender

Because men are more likely to get into collisions and get speeding tickets, they have a higher chance of filing a claim with insurance. Therefore, men normally pay more for insurance than women.

With Acuity, men generally pay almost $20 a month more than women, and about $3 more with Secura.

Looking at the data for each carrier specifically, Secura comes out as the most affordable option for both genders. On average, women save about $160 per month and men save around $176 with Secura compared to the average Acuity policyholder.

Acuity 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.

Auto insurance isn't the easiest topic to understand. There are lots of different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

But the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability limits, Secura typically offers significantly more affordable rates of $69 compared to Acuity's $172. When it comes to full coverage policies with similar limits, Secura again has the edge, with policies about $250 a month cheaper than Acuity, on average.

Is Acuity or Secura Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance carriers 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 tickets and at-fault collisions on your record, but which of these two companies offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Acuity policyholders can expect their rates to go up an average of $94 per month if they get a ticket, while Secura normally raises prices around $35 a month, on average.

Even so, Secura is generally the less expensive option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 62% more affordable for drivers with clean records and 62% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault accident with Acuity raising by over $100. Secura has a less extreme increase, but you can still expect to pay more than $40 more than you were prior to your first collision.

Overall, the less expensive prices come from Secura, with monthly rates averaging $129 compared to Acuity Insurance's $344.

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 car insurance bill -- usually a lot more than an accident or ticket. For example, Secura increases average premiums by over $150 per month -- that's just under a 65% increase.

If you have a DUI on your record and are looking for more affordable rates, Secura tends to be the much more affordable option with average prices of $244 monthly compared to $357 from Acuity.

How does Credit Score Impact Acuity and Secura Rates?

Did you know that many auto insurance companies take your credit score into account when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for lots of drivers.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

Looking at Acuity and Secura specifically, which company has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Secura. Drivers with "excellent" credit can save nearly 55% compared to Acuity, and those with "good" scores can also expect to see savings -- about $154 or 54% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Secura typically offers lower premiums than Acuity when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $168 a month less with Secura compared to Acuity, and those with "poor" scores generally save an average of about $210 a month.

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

How much you drive can have a considerable impact on your monthly rates. That's because the fewer miles you drive, the less likely you are to get into a collision and cause 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 average premiums for drivers with 6,000 annual miles come in more than $150 more affordable than Acuity. Those who drive 12,000 miles each year can expect to pay just under $200 less with Secura over Acuity.

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

Where you park your car can play a sizable role in how much you pay for insurance. Typically, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer vehicles on the roads in those areas.

Secura boasts the most affordable average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $139 per month with Secura compared to Acuity's $253. People in suburban areas pay a monthly premium of about $137 with Secura compared to $313 with Acuity. For drivers in urban ZIP codes, Secura's average premiums are around $161 per month compared to Acuity's $374.

Acuity vs. Secura Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you qualify for.

Below, we've taken a look at all of the different discounts Acuity and Secura offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Secura blows Acuity away when it comes to the sheer amount of discounts available, offering 19 different discounts to Acuity's nine.

Both carriers offer lots of the same discounts -- like discounts for being a defensive driver, distant student discounts, and discounts for being a good student -- but Secura also offers advance quote discounts, anti-theft discounts, hybrid vehicle discounts, and more that Acuity does not.

On the flip side, Acuity has a couple unique discounts of its own -- discounts for graduating college, continuous insurance discounts, and COVID-19 relief discount.

Final Thoughts: Is Acuity or Secura Best for You?

You've seen the role certain factors have on your insurance and the different discounts companies offer. But, at the end of the day, which carrier is the best company for you and your specific profile and needs?

Secura might be best for you if....

• You have an at-fault accident on your record.
• Your neighborhood is in the suburbs.
• You are over 65 years old and want to save some money on your auto insurance.

Acuity might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between Acuity and Secura. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Acuity and Secura. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Acuity vs. Secura FAQs

Is Acuity or Secura cheaper?

Looking just at the national average rates, Secura is the less expensive of the two carriers, offering average rates of $146 a month compared to $313 for Acuity. That being said, Secura won't necessarily be the lowest company for everyone, since there are a variety of different variables that come into play when it comes to your insurance cost.

Who is better, Acuity or Secura?

Sadly, the answer truly is "it depends.". No one carrier is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Acuity and Secura offer me different rates?

Car insurance companies take a look at several different factors when determining the prices they charge drivers. Variables such as where your home is, gender, where you call home, age, and sometimes even things like your credit score can all be taken into consideration. Both Acuity and Secura calculate premiums using different factors, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Acuity 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.