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

Quick Facts

• In general, Country Financial offers slightly less expensive prices than Secura
• Country Financial tends to be a much cheaper option for residents of rural areas
• Secura offers more affordable average premiums for drivers who have an at-fault accident on their record

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

So, you're considering 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've maybe even narrowed your search down to Country Financial or Secura, but which one will save you the most?

As you can see, Country Financial is about $8 per month less expensive than Secura when looking at the national average rates for insurance.

Even so, that doesn't mean Country Financial will necessarily be more affordable than Secura for every single driver. Auto insurance companies vary their rates depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and tons of other factors, so prices could change drastically from person to person.

Wanting to know if Country Financial or Secura is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Country Financial or Secura: Average Car Insurance Rates by State

Country Financial and Secura only compete against each other in one states, with Country Financial offering cheaper prices to the average driver in all of them. Illinois has the most noticable difference, where Country Financial premiums are over 50% more affordable than car insurance rates at Secura.

There's a lot more that goes into your insurance cost than just where you call home. Keep reading to find out 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 because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Country Financial save nearly $55 a month compared to those who use Secura.

However, both carriers will decrease premiums by the time drivers turn 25. Secura offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Country Financial's average rates reduce more than 45% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums you'll ever find.

So, which company offers the best prices to retired drivers? Country Financial gets the slight edge, with rates for drivers 65 and older around 5% cheaper than the national average for Secura.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are generally less expensive for married policyholders than they are for single drivers? This usually boils down to married drivers having more than one car on their policy -- something a lot of insurance companies will reward with discounts.

If you're in the market for auto insurance, Country Financial tends to have the most affordable average rates regardless of if you're married or single, with prices about $6 cheaper for married couples and almost $10 less expensive for single policyholders.

Country Financial vs. Secura: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to car insurance men will normally end up paying a little more.

On average, women see premiums around 2% per month less with Country Financial, and about 2% less with Secura when compared to their male counterparts.

Looking at the data for each carrier specifically, Country Financial offers the cheapest average prices for both men and women, with average premiums $7 less for men and $7 cheaper for women.

Country Financial 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, auto 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 end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage 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 liability coverage).

In this case, Secura offers the most affordable average rates for state minimum liability limits, while Country Financial has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $15 with SECURA Insurance, while full coverage comes out to be around $30 more affordable with COUNTRY Financial.

Is Country Financial or Secura Better for Drivers with Spotty Records?

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

Collisions and tickets will most likely raise your premiums, but is Country Financial or Secura less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Country Financial policyholders can expect their rates to go up an average of $31 a month if they get a ticket, while Secura usually raises prices about $35 per month, on average.

But Secura has more affordable rates for drivers in both categories -- their rates are around 17% cheaper for drivers with clean records and 10% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Country Financial policyholders who get in a collision can expect to see their prices climb by just under 30%, while those who have insurance through Secura will see around a 35% increase.

Overall, the cheaper premiums come from Secura, with monthly prices averaging $129 compared to COUNTRY Financial's $147.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Secura will climb your premiums about 64% after a DUI, while Country Financial's average rates rise by over 35%.

If you have a DUI on your record and are looking for more affordable prices, Country Financial tends to be the much more affordable option with average rates of $165 monthly compared to $244 from Secura.

How does Credit Score Impact Country Financial and Secura Rates?

You may not have known, but your credit score can be used as one of the factors to calculate your monthly car insurance premiums. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it might come into play for quite a few drivers.

The reasoning 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.

Looking at Country Financial and Secura specifically, which carrier has the cheapest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Country Financial. Policyholders with "excellent" credit can save 5% compared to Secura, and those with "good" scores can also expect to see savings -- around $12 or 9% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-perfect credit, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay about $21 less with Country Financial than Secura, but those whose credit is considered "poor" have it flipped -- saving around $9 a month with Secura.

Is Country Financial 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 rates? Generally, those who drive fewer miles will end up with less expensive prices since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Country Financial offers more affordable premiums than Secura. Secura average rates for drivers with 6,000 annual miles come in about $6 more expensive than Country Financial. Those who drive 12,000 miles annually can expect to pay around $9 more with Secura over Country Financial.

Country Financial vs. 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 car insurance, but the type of area you live in can have a substantial impact as well. Typically, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more cars on the roads in those areas.

Country Financial normally comes out as the cheaper option for drivers in rural and suburban areas, while Secura wins in urban areas.

For drivers in urban ZIP codes, Secura's average prices are about $161 while Country Financial offers premiums around $175. People in suburban areas pay a monthly price of about $131 with Country Financial compared to $137 with Secura. If you live in a rural area, you can expect to pay around $109 a month with Country Financial and $139 with Secura.

Country Financial vs. Secura Discounts

Regardless of 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 possible, and the best way to do that is by utilizing as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be hard to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Below, we've compared all of the different discounts offered by Country Financial and Secura so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Secura blows Country Financial away when it comes to the sheer amount of discounts available, offering nine more discounts than Country Financial.

There are a couple discounts both companies offer, but Secura also offers advance quote discounts, distant student discounts, good driving discounts, and more that Country Financial does not.

On the flip side, Country Financial has a couple unique discounts of its own -- discounts for getting driver training, occupation discounts, simply drive discounts, and more.

Final Thoughts: Is Country Financial or Secura Best for You?

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

Country Financial might be best for you if....

• You already have a great credit score.
• You are over 65 years old and want to save some money on your car insurance.
• You drive fewer than 6,000 miles every year.

Secura might be best for you if...

• You haven't received any speeding tickets or been in an accident in the last few years.
• Your driving record contains an at-fault collision.
• You want basic auto insurance coverage at the state minimum limits.

We hope this guide has ben a valuable resource as you compare Country Financial 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 insurance -- comparing quotes from several companies, not just Country Financial and Secura. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Country Financial vs. Secura FAQs

Is Country Financial or Secura cheaper?

Looking just at the national average rates, Country Financial is the less expensive of the two companies, offering average rates of $138 per month compared to $146 for Secura. That being said, Country Financial won't necessarily be the lowest company for each policyholder, since there are multiple different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Country Financial or Secura?

Sadly, the real answer is "it depends.". No single carrier is "better" for every driver -- it all boils down to your unique insurance profile.

Why do Country Financial and Secura offer me different rates?

Auto insurance carriers take a look at many different variables when calculating the prices they charge drivers. Factors such as gender, age, your driving record, where you park your vehicle, and sometimes even things like your credit score can all be used. Both Country Financial and Secura calculate premiums differently, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a range of different companies.

How do I know if Country Financial 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 carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. 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 company for you might not be Country Financial 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.