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

Quick Facts

• In general, American Family offers slightly cheaper premiums than Secura
• American Family has less expensive rates for policyholders who live in rural neighborhoods
• Secura offers more affordable prices for policyholders who live in urban areas

American Family or Secura: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to American Family or Secura as your top options, but which company will offer you more affordable premiums?

As you can see, Secura is around $6 more a month than American Family when looking at the national average rates for insurance.

That being said, that doesn't mean American Family will necessarily be cheaper than Secura for every driver. Car insurance carriers vary their rates depending on things like how old you are, how clean your driving record is, where you live, how good your credit score is, and a ton of other factors, so premiums will change quite a bit from person to person.

So, if you want to find out which of American Family or Secura is really the best for you, keep reading to see average prices for each company broken down by a range of different rate factors.

American Family vs. Secura: Average Car Insurance Rates by State

American Family and Secura only compete against each other in two states, with American Family offering more affordable rates to the average driver in all of them. If you live in Illinois, American Family is the less expensive of the two companies when looking at the overall average premiums. Secura is the cheaper option in Wisconsin.

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

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers. That's typically because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have American Family for their car insurance pay 0% less than those who use Secura. It's worth noting that American Family offers auto insurance in 16 different states compared to Secura's three, which can skew the average premiums a bit, but the difference here is still considerable.

However, with both carriers, you'll see your prices reduce significantly once you turn 25. For example, average rates for American Family policyholders lower about $200 and Secura's prices drop almost $200 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest insurance premiums you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

So, which carrier offers the best premiums to retired drivers? In this case, American Family has the slight edge, with prices around $4 per month less than Secura. But the difference is only about 5%, so other variables (like your credit score or where you live) will likely come into play when determining which company has the most affordable rates for you.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are normally more expensive for single drivers than they are for married drivers? This usually boils down to married policyholders having multiple vehicles on their policy -- something quite a few auto insurance companies will reward with discounts.

If you're in the market for insurance, American Family tends to have the lowest average premiums regardless of relationship status, with prices around $3 more affordable for single policyholders and about $10 less expensive for married couples.

American Family or Secura: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll usually end up paying more for auto insurance than women.

Normally, men see prices around 3% a month higher with American Family, but with Secura, the difference is closer to 2% per month.

When it comes to the cheapest premiums for each gender, American Family offers the lowest average rates for both men and women, with average premiums 3% less for men and 4% cheaper for women.

American Family vs. 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, car insurance isn't the easiest topic to understand. There are many different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages in addition to what you get with liability).

When it comes to state minimum liability limits, Secura has the edge, while American Family offers the most affordable average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $25 with SECURA Insurance, while full coverage comes out to be about $35 cheaper with American Family Insurance.

Is American Family or Secura Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with at-fault accidents and speeding tickets on your record, but which of these two carriers offers the cheapest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use American Family for their insurance can typically expect their monthly bill to go up around 20% after getting a speeding ticket. Secura policyholders can expect a bit more drastic of an increase of about 29%.

Even so, Secura is usually the more affordable option for both drivers who have a recent ticket and those with clean records, offering premiums that are 26% and 17% less expensive, respectively, compared to American Family Insurance.

Which Company is Best for Drivers After an Accident?

American Family policyholders who get in a collision can expect to see their rates increase by $20, while those who have insurance through Secura will see around a $40 increase.

At the end of the day, drivers who use Secura end up with the cheaper prices after an accident, with average prices coming in at $129 compared to American Family Insurance's $138.

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 -- generally a lot more than an accident or speeding ticket. For example, Secura increases average rates by more than $150 a month -- that's nearly a 65% increase.

American Family has the overall lowest prices for drivers with a DUI on their records at $158 per month, but it's worth noting that American Family's average rates come from 16 states compared to just three for Secura, so the data may be skewed slightly.

How does Credit Score Impact American Family and Secura Rates?

You may not realized it, but your credit score can be used as one of the factors to determine your monthly auto insurance premiums. Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it might come into play for a lot of drivers.

The reasoning car insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will typically be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, American Family will generally reward you the most. For policyholders with "excellent" credit scores, American Family comes in just under 18.03 cheaper. Drivers with "good" credit scores normally save about 10% with American Family compared to average premiums from Secura.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-stellar credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay around 5% less with American Family than Secura, but those whose credit is considered "poor" have it flipped -- saving about 11% per month with Secura.

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

How much you drive can have a large impact on your monthly insurance payment. That's because the more milage you drive, the more likely you are to be in a collision and file an insurance claim.

American Family tends to be the less expensive option for both remote workers and those taking short commutes. American Family's average premiums for drivers with 6,000 annual miles come in around $5 more affordable than Secura. Those who drive 12,000 miles annually can expect to pay about $5 less with American Family over Secura.

American Family or Secura: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can play a big role in how much you pay for car insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, American Family typically comes out as the cheaper option for drivers in rural and suburban areas, while Secura wins in urban areas.

Those in rural areas can expect to save around 13% with American Family compared to Secura. People who live in suburban areas pay about 2% less with American Family compared to Secura. For drivers in urban ZIP codes, SECURA Insurance's average premiums are around 3% less than American Family Insurance.

American Family vs. Secura Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can. That's where car insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by American Family and Secura so that you can see which one can save you the most money each month.

Looking at the total number of discounts, American Family comes out ahead with 21 discounts to Secura's 19.

There are a couple discounts both carriers offer, but American Family also offers discounts for connect partner, COVID-19 relief, DRL, and more.

On the other hand, Secura has a few proprietary discounts of their own for things like good driving discounts, hybrid vehicle discounts, low income discounts, and more.

Final Thoughts: Is American Family or Secura Best for You?

So, you've seen how different variables can affect your insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the best carrier for you, your vehicle, and your wallet?

American Family might be best for you if....

• Your driving record includes a DUI charge.
• You live in a rural area.
• You want to save money while purchasing auto insurance for a teenager.

Secura might be best for you if...

• You like the personalized touch of a small, local carrier.
• You have an at-fault collision on your record.
• Your neighborhood is in a city.

Hopefully, this guide helps you get a better idea of the difference between American Family and Secura and that you can now make a more informed decision when it comes to your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several companies, not just American Family and Secura. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

American Family vs. Secura FAQs

Is American Family or Secura cheaper?

American Family is the more affordable of the two companies when looking at national average rates, with policies averaging $140 a month with American Family and $146 for Secura. But that doesn't mean American Family will be the cheapest company for every driver, since there are a variety of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, American Family or Secura?

Sadly, the real answer is "it depends.". No one carrier is necessarily "better" for each policyholder -- it all comes down to what your unique car insurance profile looks like.

Why do American Family and Secura offer me different rates?

Auto insurance carriers use many different variables when determining the premiums they charge. Factors such as gender, your driving record, where you call home, age, and sometimes even things like your credit score can all come into play. Both American Family and Secura use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best company for you isn't American Family or Secura at all, but another you hadn't even thought of!

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.