Allstate 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 Allstate
• Allstate offers more affordable premiums for drivers with a DUI charge on their record
• Secura has less expensive rates for drivers who have received a ticket within the last few years

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

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

You might have narrowed it down to Allstate or Secura for your next policy, but which carrier will offer you cheaper prices?

Looking at nationwide averages, Secura is quite a bit cheaper than Allstate, with premiums averaging $146 per month compared to $199 with Allstate.

Even so, that doesn't mean Secura will necessarily be less expensive than Allstate for each driver. Auto insurance companies vary their prices depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and a ton of other factors, so rates could change drastically from person to person.

Luckily, we've broken down average premiums from both Allstate and Secura by many different rate factors, so read on to find out which carrier is the best for you.

Allstate or Secura: Average Car Insurance Rates by State

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

That being said, there are plenty of other factors that go into your insurance bill than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any group on the road. It's usually 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 teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of nearly $150 less a month by choosing Secura over Allstate. It's worth noting that Allstate offers car insurance in 47 different states compared to Secura's three, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower rates by the time you turn 25. For example, average prices for Allstate policyholders reduce almost 65% and Secura's rates decrease more than 55% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest insurance premiums you'll ever 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.

When looking at Allstate and Secura specifically, which company is best for retired drivers? Secura gets the edge, with rates for drivers 65 and older $41 less expensive than the national average for Allstate.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive car insurance premiums than married couples. This usually boils down to married drivers having multiple cars on their policy -- something lots of auto insurance companies will reward with discounts.

When it comes to relationship status, Secura is the clear winner for single policyholders, with rates about $62 per month cheaper than Allstate, on average. The advantage is also clear for married policyholders - Secura offers the lowest average prices.

Allstate vs. Secura: Average Rates by Gender

Because men are more likely to get into collisions and get tickets, they run a larger risk of filing a claim with insurance. Therefore, insurance carriers will tend to charge men more than women.

Women normally pay around 4% a month less than men with Allstate, and about 2% less with Secura when compared to their male counterparts.

Looking at the data for each carrier specifically, Secura offers the most affordable average premiums for both men and women. On average, women save about $50 per month and men save around $56 with Secura compared to the average Allstate policyholder.

Allstate 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.

For most people, insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

But the 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 usually refers to having comprehensive and collision coverages in addition to liability).

If you're looking for state minimum liability insurance, Secura typically offers significantly more affordable rates of $69 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Secura again has the edge, with policies about $65 a month cheaper than Allstate, on average.

Is Allstate or Secura Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and at-fault collisions lead to higher premiums, but which company -- Allstate or Secura -- has the cheapest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their premiums to go up an average of $27 per month if they get a ticket, while Secura generally raises prices around $35 a month, on average.

However, Secura is usually the less expensive option for both drivers who have clean records and those with a recent speeding ticket, offering rates that are $69 and $61 more affordable, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Both companies will raise premiums pretty significantly if you get into an at-fault accident with Allstate increasing by just under $75. Secura has a less extreme climb, but you can still expect to pay over $40 more than you were prior to your first collision.

Overall, the cheaper rates come from Secura, with monthly prices averaging $129 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your auto insurance bill. Secura drivers usually see a 64% increase in their car insurance rates after a DUI charge, while Allstate will typically raise premiums by about 31%.

Allstate has the overall lowest prices for drivers with a DUI on their records at $227 a month, but it's worth noting that Allstate's average rates come from 47 states compared to just three for Secura, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Secura Rates?

Did you know that many insurance carriers take your credit score into account when calculating rates? This isn't always the case (for example, California and Massachusetts are two states that ban the practice entirely), but it might come into play for several drivers.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which carrier offers the best premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Secura. Policyholders with "excellent" credit can save over 15% compared to Allstate, and those with "good" scores can also expect to see savings -- around $39 or 23% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Secura typically offers lower prices than Allstate when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $55 per month less with Secura compared to Allstate, and those with "poor" scores normally save an average of around $96 per month.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance cost. That's because the fewer miles you put on your vehicle each year, the less likely you are to get into a collision and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Secura tends to be the less expensive option. Secura's average premiums for drivers with 6,000 annual miles come in about 27% more affordable than Allstate. Those who drive 12,000 miles annually can expect to pay around 26% less with Secura over Allstate.

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

Where you park your car can have a considerable impact on your monthly auto insurance payment. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of vehicles that are on the roads in those areas.

When comparing these two carriers side-by-side, Secura typically comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to save about 20% with Secura compared to Allstate. Drivers in suburban ZIP codes pay around 31% less with Secura compared to Allstate. In urban areas, SECURA Insurance's average prices are about 27% less than Allstate.

Allstate vs. Secura Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where auto insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Below, we've broken down all of the different discounts offered by both Allstate and Secura so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Allstate knocks Secura out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to Secura's 19.

There are a couple discounts both companies offer, but Allstate also offers ABS discounts, agency transfer discounts, alert driving discounts, and more that Secura does not.

On the flip side, Secura has a couple unique discounts of its own -- group discounts, hybrid vehicle discounts, low income discounts, and more.

Final Thoughts: Is Allstate or Secura Best for You?

You've seen the effect certain factors have on your insurance and the different discounts carriers offer. But, when it comes down to it, which company is the best company for you and your specific profile and needs?

Secura might be best for you if....

• You haven't received any speeding tickets or been in an accident in the last few years.
• You want basic car insurance coverage at the state minimum limits.
• You and your spouse are buying auto insurance together.

Allstate might be best for you if...

• You're planning on moving to another state soon -- SECURA Insurance is only available in three states.
• You have a DUI charge on your record.
• You care about discounts (Allstate offers the most).

We hope this guide has ben a valuable resource as you compare Allstate and Secura and that you can now make a more informed decision when it comes to your car 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 multiple companies, not just Allstate and Secura. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Allstate vs. Secura FAQs

Is Allstate or Secura cheaper?

Looking just at the national average premiums, Secura is the less expensive of the two companies, offering average rates of $146 a month compared to $199 for Allstate. But Secura won't necessarily be the cheapest carrier for everyone, since there are a range of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Allstate or Secura?

Sadly, the answer truly is "it depends.". Neither company is "better" for every driver -- it all depends on what your unique auto insurance profile looks like. For example, Allstate offers cheaper prices for drivers with a recent DUI, while Secura is more affordable for drivers with excellent credit.

Why do Allstate and Secura offer me different rates?

Insurance carriers take a look at many different factors when determining the rates they charge drivers. Variables like age, gender, your driving record, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Secura calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of carriers 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 ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be Allstate 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.