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

Quick Facts

• Based on national averages for car insurance, General Casualty offers slightly less expensive premiums than Secura
• General Casualty has cheaper prices for people who are single and purchasing auto insurance by yourself
• Secura offers more affordable average premiums for drivers who have an at-fault accident on their record

General Casualty 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 large discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to General Casualty or Secura as potential options, but between the two, which one will offer you cheaper prices?

Looking at the national average rates for both companies, General Casualty is about $7 per month less expensive than Secura.

That being said, General Casualty may not be the lowest or best option for each driver out there. Car insurance carriers vary their rates depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and tons of other factors, so premiums will differ quite a bit from person to person.

So, if you want to find out which of General Casualty or Secura is really the best for you, keep reading to see average prices for each carrier broken down by many different rate factors.

General Casualty or Secura: Average Car Insurance Rates by State

General Casualty and Secura only compete against each other in one states, with General Casualty offering cheaper rates to the average driver in all of them. Illinois has the most noticable difference, where General Casualty prices are more affordable than auto insurance rates at Secura.

There's a lot more that goes into your insurance payment than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any other group of drivers out there on the road. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of $45 less a month by choosing General Casualty over Secura.

Even so, both companies will decrease premiums once you turn 25. For example, average rates for General Casualty policyholders drop more than 55% and Secura's premiums reduce over 55% over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best prices to retired drivers? Secura gets the edge, with premiums for drivers 65 and older $13 less expensive than the national average for General Casualty.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be more affordable for married drivers than they are for single policyholders. This usually boils down to married policyholders having more than one car on their policy -- something many car insurance carriers will reward with discounts.

If you're in the market for insurance, General Casualty tends to have the cheapest average premiums regardless of relationship status, with prices around 5% less expensive for single drivers and about 4% cheaper for married couples.

General Casualty vs. Secura: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll usually end up paying more for car insurance than women.

With General Casualty, women normally pay nearly 10% per month less than men, while with Secura, the difference is closer to 2% a month.

When it comes to the most affordable prices for each gender, General Casualty comes out on top for both men and women. On average, women save about $12 per month and men save around $1 with General Casualty compared to the average Secura policyholder.

General Casualty 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.

It's no secret that auto insurance can be pretty complicated. 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 covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

In this case, Secura offers the cheapest average premiums for state minimum liability limits, while General Casualty 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 about $25 more affordable with General Casualty.

Is General Casualty 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 rates, but is General Casualty or Secura less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

General Casualty policyholders can expect their prices to go up an average of $43 a month if they get a ticket, while Secura usually raises premiums around $35 per month, on average.

But Secura tends to offer the best prices for drivers both with a speeding ticket and with a clean record -- their rates are around 3% cheaper for drivers with clean records and 8% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault collision with General Casualty raising by over $55. Secura has a less extreme raise, but you can still expect to pay more than $40 more than you were prior to your first accident.

Overall, drivers who use Secura end up with the cheaper prices after an accident, with monthly rates averaging $129 compared to General Casualty's $146.

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 ticket when it comes to your auto insurance bill. Secura drivers usually see a 64% climb in their insurance prices after a DUI charge, while General Casualty will generally increase rates by about 52%.

If you have a DUI on your record and are looking for more affordable premiums, General Casualty tends to be the much cheaper option with average rates of $186 per month compared to $244 from Secura.

How does Credit Score Impact General Casualty 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 always the case (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it does affect several policyholders out there.

Car insurance companies 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 premiums.

So, which carrier offers the lowest prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with General Casualty. Drivers with "excellent" credit can save over 15% compared to Secura, and those with "good" scores can also expect to see savings -- around $15 or 11% 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 $9 less with General Casualty than Secura, but those whose credit is considered "poor" have it flipped -- saving around $16 a month with Secura.

Is General Casualty or Secura Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly auto insurance bill. Typically, those who drive fewer miles will end up with more affordable prices since there's less of a chance of getting into a collision 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 General Casualty charges. However, there's a small difference in monthly rates for Secura, with drivers who put 6,000 miles on their vehicle every year paying about $5 less each month compared to those who drive 12,000 miles yearly. Still, General Casualty is the less expensive option for drivers in both categories.

General Casualty vs. Secura: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a substantial role in how much you pay for insurance. Usually, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer cars on the road in those areas, which lowers the chances of an accident.

When comparing these two carriers side-by-side, General Casualty normally comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, General Casualty's average premiums are around 6% less than SECURA Insurance. Drivers in suburban ZIP codes pay about 2% less with General Casualty compared to Secura. If you live in a rural area, you can expect to save around 6% with General Casualty compared to Secura.

General Casualty 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 utilizing as many insurance discounts as you can.

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

In the table below, we've taken a look at all of the different discounts General Casualty and Secura offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Secura knocks General Casualty out of the park when it comes to the sheer number of discounts available, offering seven more discounts than General Casualty.

Both companies offer many of the same discounts -- like anti-theft discounts, distant student discounts, discounts for being a good driver, and new vehicle discounts -- but Secura also offers group discounts, hybrid vehicle discounts, low income discounts, and more that General Casualty does not.

On the flip side, General Casualty has a couple unique discounts of its own -- employee discounts and occupation discounts.

Final Thoughts: Is General Casualty or Secura Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance carrier is the right company for you and your specific profile and needs?

General Casualty might be best for you if....

• You're single and purchasing auto insurance by yourself.
• You're looking for more protection with "full coverage" car insurance.
• You don't spend much time in your car.

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 accident.
• You want basic auto insurance coverage at the state minimum limits.

We hope this guide has ben a valuable resource as you compare General Casualty and Secura. We also hope we've given you the information you need to make the best decision about your 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 car insurance -- comparing quotes from several companies, not just General Casualty and Secura. Luckily, sites like Compare.com 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.

General Casualty vs. Secura FAQs

Is General Casualty or Secura cheaper?

Looking just at the national average rates, General Casualty is the cheaper of the two companies, offering average rates of $139 per month compared to $146 for Secura. However, General Casualty won't necessarily be the lowest company for every driver, since there are several different variables that are considered when it comes to your auto insurance cost.

Who is better, General Casualty or Secura?

Sadly, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique car insurance profile looks like. For example, General Casualty offers less expensive prices for single drivers, while Secura is more affordable for drivers who have already retired.

Why do General Casualty and Secura offer me different rates?

Auto insurance carriers take a look at a lot of different factors when calculating the rates they charge policyholders. Things such as age, where your home is, gender, your driving record, and sometimes even things like your credit score can all be used. Both General Casualty 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 General Casualty 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, Compare.com makes it easy for you to do just that. Just enter your ZIP code 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 rate. And who knows, the best company for you might not be General Casualty 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.