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

Quick Facts

• Based on national averages for auto insurance, Secura offers significantly less expensive prices than Fremont
• Secura has cheaper rates for drivers with a DUI
• Secura offers more affordable average premiums for drivers who have below-average credit

Fremont or 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 large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Fremont or Secura as potential options, but which carrier has less expensive rates for car insurance?

Looking at nationwide averages, Secura is quite a bit cheaper than Fremont, with prices averaging $146 a month compared to $562 with Fremont.

However, Secura may not be the most affordable or best option for every single driver out there. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your age, your credit score, or even your driving record (among other things), so premiums could change drastically from person to person.

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

Fremont vs. Secura: Average Car Insurance Rates by State

Fremont and Secura only compete against each other in Michigan, where Secura offers the cheaper average rates. Secura drivers tend to pay about $392 per month less on average compared to drivers who use Fremont for their insurance.

But there's more to auto insurance than just where you live. As we mentioned above, there's a lot of things that go into how insurance companies determine your prices. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. That's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Secura save over 80% a month compared to those who use Fremont.

That being said, both carriers will decrease premiums by the time you turn 25. Secura offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Fremont's average rates lower more than 70% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest car insurance prices you'll ever see. After all, they've likely been driving for quite some time, which usually reduces their chances of collisions and other infractions that can raise rates.

But who has the best premiums for retired drivers between Fremont and Secura? Secura gets the edge, with prices for drivers 65 and older over 65% cheaper than the national average for Fremont.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are generally more affordable for married policyholders than they are for single policyholders? That's because policies for married drivers typically cover more than one vehicle, which quite a few companies will give you a discount for.

For single drivers, the difference in average premiums between these two carriers is significant, with Secura prices coming in at around a quarter of Fremont's. The advantage for married couples with Secura is also obvious, where drivers save about $300 per month.

Fremont or Secura: Average Rates by Gender

Did you know women normally pay less for auto insurance than men? That's because women are less likely to get speeding tickets and get into collisions, which decreases the chances of filing a claim with insurance.

Women and men get the same monthly premiums with Fremont, and around 2% more with Secura.

Looking at overall affordability, Secura comes out as the lowest option for both genders. On average, male drivers save about $415 a month and women save about $418 with Secura compared to the average Fremont policyholder.

Fremont 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.

It's no secret that insurance can be pretty complicated. Everyone needs car insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

But most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum limits for liability insurance, Secura has the significant edge, with average monthly rates 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 Fremont's $790.

Is Fremont or Secura Better for Drivers with Spotty Records?

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

At-fault accidents and speeding tickets will most likely raise your prices, but is Fremont or Secura less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Fremont for their auto insurance can usually expect their monthly bill to go up about 38% after getting a speeding ticket. Secura policyholders can expect a less drastic increase of around 29%.

However, Secura has more affordable rates for drivers in both categories, offering premiums that are $138 and $241 cheaper, respectively, compared to Fremont Insurance.

Which Company is Best for Drivers After an Accident?

Fremont drivers who get in an accident can expect to see their rates increase by over 25%, while those who have insurance through Secura will see about a 35% increase.

At the end of the day, drivers who use Secura end up with the cheaper prices after an accident, with average premiums coming in at $129 compared to Fremont Insurance's $307.

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 ticket or even a collision. Fremont drivers usually see a 83% increase in their car insurance prices after a DUI charge, while Secura will generally raise premiums by around 64%.

But if you end up with a DUI charge and are looking for more affordable prices, Secura tends to be less expensive for the average driver, with monthly premiums coming in at about $244 to Fremont's 1353.

How does Credit Score Impact Fremont and Secura Rates?

Did you know many insurance companies take your credit score into account when determining rates? This isn't true for everyone (for example, Hawaii and Michigan are two states that ban the practice entirely), but it does affect several policyholders out there.

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

So, which carrier offers the best rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Fremont 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 pretty big impact on your monthly prices? Typically, those who drive less will end up with cheaper premiums since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Fremont charges. However, there's a small difference in monthly prices for Secura, with policyholders who drive the least paying around $5 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Secura is the more affordable company.

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

Where you park your car can play a large role in how much you pay for auto insurance. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of vehicles that are on the roads where they live.

Secura tends to offer the cheapest prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about $328 with Secura compared to Fremont. People who live in suburban areas pay around $399 less with Secura compared to Fremont. For drivers in urban ZIP codes, SECURA Insurance's average premiums are about $521 less than Fremont Insurance.

Fremont vs. Secura Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Fremont and Secura so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Secura comes out ahead with 19 discounts to Fremont's 14.

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

On the other hand, Fremont has a few proprietary discounts of their own for things like ABS discounts, COVID-19 relief discount, garage discounts, and more.

Final Thoughts: Is Fremont or Secura Best for You?

So, you've seen how different variables can affect your car insurance rates. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which insurance company is the right one for you and your specific driver profile?

Secura might be best for you if....

• You haven't received any speeding tickets or been in a collision in the last few years.
• You care about discounts (Secura offers the most).
• You want to save money while purchasing auto insurance for a teenager.

Fremont might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Fremont and Secura and that it aids in making a more informed 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 auto insurance policy is to compare quotes from multiple companies, not just Fremont and Secura. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Fremont vs. Secura FAQs

Is Fremont or Secura cheaper?

Secura is the cheaper of the two companies when looking at national average prices, with policies averaging $146 a month with Secura and $562 for Fremont. That being said, that doesn't mean Secura will be the lowest carrier for every driver, since there are many different factors that come into play when it comes to your insurance cost.

Who is better, Fremont or Secura?

Sadly, the only answer we can give you is "it depends.". Neither company is "better" for each policyholder -- it all comes down to what your unique car insurance profile looks like.

Why do Fremont and Secura offer me different rates?

Auto insurance carriers use lots of different variables when calculating the rates they charge. Factors like age, gender, your driving record, where your home is, and sometimes even things like your credit score can all be used. Both Fremont and Secura calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different companies.

How do I know if Fremont 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, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the lowest premium. And maybe you'll find that the best carrier for you isn't Fremont 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.