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

Quick Facts

• Based on national averages for auto insurance, Secura offers significantly more affordable prices than Bristol West
• Secura has cheaper rates for policyholders who drive fewer than 6,000 miles yearly
• Secura offers more affordable average prices for drivers who have a speeding ticket on their driving record

Bristol West or Secura: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering substantial savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Bristol West or Secura as your top options, but between the two, which company will save you the most?

Looking at nationwide averages, Secura is quite a bit cheaper than Bristol West, with premiums averaging $146 a month compared to $412 with Bristol West.

That being said, that doesn't necessarily mean Secura will be the cheaper option for each driver. Car insurance carriers use tons of complex algorithms to determine rates, so depending on where you live or how old you are (among lots of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average prices from both Bristol West and Secura by a bunch of different rate factors, so read on to find out which carrier is the best for you.

Bristol West vs. Secura: Average Car Insurance Rates by State

Bristol West and Secura only compete against each other in one states, with Secura offering less expensive rates to the average driver in all of them. Michigan has the most noticable difference, where Secura prices are $480 cheaper than auto insurance rates at Bristol West.

There's a lot more that goes into your car insurance cost than just where you call home. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Secura for their insurance pay over 60% less than those who use Bristol West.

But both companies will decrease premiums by the time drivers turn 25. Secura offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Bristol West's average prices drop almost 55% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest auto insurance rates out there. After all, they've likely been driving for quite some time, which typically lowers their chances of collisions and other infractions that can raise premiums.

But who has the best prices for retired drivers between Bristol West and Secura? Secura gets the edge, with rates for drivers 65 and older nearly 70% less expensive than the national average for Bristol West.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly more affordable car insurance premiums than those who are single. That's because policies for married drivers normally cover multiple vehicles, which a lot of carriers will give you a discount for.

For single drivers, the difference in average prices between these two companies is significant, with Secura premiums coming in at around a third of Bristol West's. The advantage is also clear for married policyholders - Secura offers the lowest average rates.

Bristol West or Secura: Average Rates by Gender

Because women are less likely to get into accidents and get speeding tickets, they have a lower chance of filing a claim with insurance. So, women tend to pay less for auto insurance than men.

Surprisingly, with Bristol West, women typicallypay about 0% more per month than men, and around 2% less with Secura when compared to their male counterparts.

Looking at the data for each company specifically, Secura comes out on top for both men and women. On average, male drivers save about $264 a month and women save about $268 with Secura compared to the average Bristol West policyholder.

Bristol West 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.

Insurance can be a complicated subject for most people. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

Even so, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum limits for liability insurance, Secura has the significant edge, with average monthly premiums coming in at $69. If you want a full coverage policy with the same state minimum limits, Secura again has the edge, with policies averaging around $222 per month to Bristol West's $544.

Is Bristol West 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.

It's no secret secret that accidents and speeding tickets lead to higher rates, but which carrier -- Bristol West or Secura -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Bristol West for their car insurance can usually expect their monthly bill to go up about 23% after getting a speeding ticket. Secura policyholders can expect a bit more drastic of an increase of around 29%.

But Secura tends to offer the best prices for both drivers who have clean records and those with a recent ticket -- their rates are around 74% cheaper for drivers with clean records and 72% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Bristol West drivers who get in an accident can expect to see their rates increase by just under $150, while those who have insurance through Secura will see about a $40 increase.

At the end of the day, the less expensive prices come from Secura, with average premiums coming in at $129 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your insurance bill. On average, Secura will increase your rates around 64% after a DUI, while Bristol West's average premiums rise by nearly 15%.

But if you end up with a DUI charge and are looking for more affordable prices, Secura tends to be more affordable for the average driver, with monthly premiums coming in at about $244 to Bristol West's $390.

How does Credit Score Impact Bristol West and Secura Rates?

You may not realized it, but your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it does affect quite a few policyholders out there.

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, drivers with bad credit will often be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

If you have great credit, Secura will normally reward you the most. For drivers with "excellent" credit scores, Secura comes in just under 64.33 cheaper. Drivers with "good" credit scores generally save around 65% with Secura compared to average rates from Bristol West.

Which Company is Best for Drivers with Bad Credit?

Secura typically offers lower prices than Bristol West when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 64% a month less with Secura compared to Bristol West, and those with "poor" scores typically save an average of around 68% per month.

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

Did you know that the amount of time you spend in your car have a big impact on your monthly premiums? Generally, those who drive less will end up with less expensive prices since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, Secura offers more affordable rates than Bristol West. Bristol West average prices for drivers with 6,000 annual miles come in about $267 more expensive than Secura. Those who drive 12,000 miles annually can expect to pay around $265 more with Bristol West over Secura.

Bristol West or 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 insurance, but the type of area you live in can have a sizable impact as well. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Secura boasts the lowest average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about 55% with Secura compared to Bristol West. People who live in suburban areas pay around 65% less with Secura compared to Bristol West. For policyholders in urban ZIP codes, SECURA Insurance's average prices are about 70% less than Bristol West.

Bristol West vs. Secura Discounts

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

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Bristol West and Secura so that you can find the one that has the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Secura has a slight advantage when it comes to total number of discounts. Bristol West offers a grand total of 18 discounts, while Secura has 19.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, discounts for being a good driver, and paid in full discounts. Secura also offers discounts for good student, group discount, hybrid vehicle, and more.

On the other hand, Bristol West has a few proprietary discounts of their own for things like ABS discounts, continuous insurance discounts, EFT discounts, and more.

Final Thoughts: Is Bristol West 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 insurance company is the best company for you and your specific profile and needs?

Secura might be best for you if....

• You've been pulled over for speeding recently.
• Your credit score is high.
• You have a short commute.

Bristol West might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between Bristol West and Secura and that it aids in making a more informed 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 multiple companies, not just Bristol West and Secura. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Bristol West vs. Secura FAQs

Is Bristol West or Secura cheaper?

Secura is the less expensive of the two companies when looking at national average prices, with policies averaging $146 per month with Secura and $412 for Bristol West. However, that doesn't mean Secura will be the most affordable carrier for every policyholder, since there are lots of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Bristol West or Secura?

Unfortunately, the answer truly is "it depends.". Neither company is necessarily "better" for each policyholder -- it all boils down to your unique insurance profile.

Why do Bristol West and Secura offer me different rates?

Car insurance carriers use lots of different factors when determining the rates they charge. Variables like where you call home, gender, where your home is, age, and sometimes even things like your credit score can all be taken into consideration. Both Bristol West and Secura calculate premiums using different factors, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the auto 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, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Bristol West 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.