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

Want to know if American Select or Secura is the better choice for insurance? You're probably wondering which company offers the best premiums or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • In general, Secura offers more affordable rates than American Select
  • American Select offers more discounts than SECURA Insurance
  • Secura tends to be a much less expensive option for drivers with a DUI charge on their record

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

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to American Select or Secura as potential options, but which company will offer you cheaper prices?

American Select Secura

Looking at nationwide averages, American Select has average rates that are about 14% per month more expensive than those from Secura.

However, that doesn't necessarily mean Secura will be the less expensive option for each driver. Car insurance companies use a variety of complex algorithms to calculate premiums, so depending on how old you are or how good your credit score is (among lots of other factors), you could see wildly different prices from the ones above.

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

American Select or Secura: Average Car Insurance Rates by State

State American Select Secura

American Select and Secura only compete against each other in one states, with Secura offering cheaper premiums to the average driver in all of them. Michigan has the most noticable difference, where Secura prices are over 20% more affordable than auto insurance rates at American Select.

There's a lot more that goes into your car insurance payment than just where you live. Keep reading to find out more.

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Which is the Best Company For Young Drivers?

American Select Secura
18-year-old drivers$311$311
25-year-old drivers$165$134

You might already know that teen drivers typically pay a lot more for insurance than any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have American Select for their insurance pay $0 less than those who use Secura.

That being said, both carriers will offer you dramatically lower premiums by the time drivers turn 25. For example, average rates for American Select policyholders reduce more than 45% and Secura's prices lower over 55% over that time.

Which is the Best Company for Retired Drivers?

American Select Secura
65+-year-old drivers$136$111

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

But who has the best rates for retired drivers between American Select and Secura? Secura gets the edge, with prices for drivers 65 and older $25 cheaper than the national average for American Select.

Which is the Best Company for Married Drivers?

American Select Secura

Did you know that insurance premiums are normally more expensive for single policyholders than they are for married policyholders? That's typically because married couples 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 rates around $22 a month more affordable than American Select, on average. The advantage for married drivers with Secura is also obvious, where drivers save nearly $30 per month.

American Select vs. Secura: Average Rates by Gender

American Select Secura

Women tend to pay less for auto insurance than men. This is because men are statistically more likely than women to get into accidents and get tickets, which leads to increased risk for insurers and, therefore, higher prices.

With American Select, men generally pay about 1% more a month than women., and around 2% more with Secura.

Looking at the data for each company specifically, Secura offers the cheapest average premiums for both men and women, with average rates 14% less for men and 15% cheaper for women.

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American Select or Secura: Compare State Minimum vs. Full Coverage Rates

American Select Secura
State Minimum*$90$69
Full Coverage**$251$222

*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 so many different terms and coverages that it can make it pretty confusing to find the right policy.

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 their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Secura usually offers less expensive premiums of $69 compared to American Select's $90. When it comes to full coverage policies with similar limits, Secura again has the edge, with policies about $30 per month more affordable than American Select, on average.

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

You've probably seen plenty of commercials from 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 collisions and tickets on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

American Select Secura
Clean Record$117$87
1 Speeding Ticket$149$122

American Select policyholders can expect their premiums to go up an average of $32 a month if they get a ticket, while Secura normally raises rates around $35 per month, on average.

Even so, Secura tends to offer the best prices for drivers both with a speeding ticket and with a clean record, offering prices that are $30 and $27 cheaper, respectively, compared to American Select Insurance Company.

Which Company is Best for Drivers After an Accident?

American Select Secura
Clean Record$117$87
1 At-Fault Accident$158$129

American Select drivers who get in a collision can expect to see their premiums increase by over $40, while those who have insurance through Secura will see about a $40 increase.

Overall, Secura offers the lowest prices for drivers with an at-fault accident on their records, with monthly rates averaging $129 compared to American Select Insurance Company's $158.

Which Company is Best for Drivers with a DUI?

American Select Secura
Clean Record$117$87
1 DUI$258$244

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your auto insurance bill. For example, Secura increases average prices by over $150 a 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 less expensive option with average premiums of $244 monthly compared to $258 from American Select.

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How does Credit Score Impact American Select and Secura Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it does affect quite a few policyholders out there.

Car insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable rates.

Looking at American Select and Secura specifically, which carrier has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

American Select Secura
Excellent Credit Score$107$122
Good Credit Score$133$133

Which Company is Best for Drivers with Bad Credit?

American Select Secura
Fair Credit Score$169$148
Poor Credit Score$273$179

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

American Select Secura
6,000 Annual Miles$170$143
12,000 Annual Miles$170$148

The amount of time you spend behind the wheel of your car plays a big role in your monthly prices. Typically, those who drive less will end up with less expensive premiums since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much American Select charges. However, there's a small difference in monthly rates for Secura, with policyholders who drive 6,000 miles each year paying around $5 less every month compared to those who drive 12,000 miles annually. Still, Secura is the cheaper option for drivers in both categories.

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

Where you call home can play a big role in how much you pay for auto insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

American Select Secura
Urban Areas$205$161
Suburban Areas$150$137
Rural Areas$156$139

Secura tends to offer the cheapest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in suburban ZIP codes see the lowest rates from both companies, but Secura comes out on top with average premiums about $137 a month. Secura also has more affordable average prices for policyholders in urban and rural ZIP codes -- a 21% and 11% per month respective difference when compared to American Select drivers in similar areas.

American Select 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.

The difficult part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've compared all of the different discounts offered by American Select and Secura so that you can find the one that has the most discounts and, therefore, the biggest savings.

American Select Secura
ABS Discount 
Account Relationship Discount 
Advance Quote Discount
Agency Transfer Discount 
Anti-Theft Discount
Companion Auto Discount 
Company Car Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
Family Discount 
Good Driving Discount 
Good Student Discount
Group Discount
Hybrid Vehicle Discount 
Low Income Discount 
Multi-Car Discount 
Multi-Policy Discount
New Vehicle Discount 
Next Generation Discount 

Looking at the total number of discounts, American Select comes out ahead with 20 discounts to Secura's 19.

Both companies offer a lot of the same discounts -- like anti-theft discounts, distant student discounts, discounts for being a good student, and paid in full discounts -- but American Select also offers ABS discounts, account relationship discounts, agency transfer discounts, and more that Secura does not.

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

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

So, we've broken down the average rates for many of the factors car insurance carriers look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, which company is the right carrier for you and your specific profile and needs?

Secura might be best for you if....

  • Your driving record contains an at-fault accident.
  • You're looking for more protection with "full coverage" insurance.
  • Your neighborhood is in a rural area.

American Select might be best for you if...

  • You have above-average credit.
  • You care about discounts (American Select offers the most).
  • You're buying auto insurance for a teen and looking for a wallet-friendly option.

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

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just American Select and Secura. Luckily, sites like do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

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American Select vs. Secura FAQs

Is American Select 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 $170 for American Select. But Secura won't necessarily be the most affordable carrier for each driver, since there are a bunch of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, American Select or Secura?

Unfortunately, the only answer we can give you is "it depends.". No one company is "better" for everyone -- it all boils down to your unique car insurance profile. For example, Secura offers cheaper rates for drivers with a recent DUI, while American Select is more affordable for drivers with excellent credit.

Why do American Select and Secura offer me different rates?

Auto insurance carriers take a look at many different factors when calculating the prices they charge policyholders. Variables such as your driving record, age, where you park your car, gender, and sometimes even things like your credit score can all be taken into consideration. Both American Select and Secura calculate premiums using different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from lots of different companies.

How do I know if American Select 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 several carriers and finding the one best suited for your individual budget. Luckily, makes it easy for you to do just that. Just enter your information once 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 best premium. And who knows, the best carrier for you might not be American Select or Secura at all!


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.

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