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

Quick Facts

• Based on national averages for insurance, Secura offers significantly cheaper premiums than Great Northern
• Secura may help you save more money -- they offer more discounts than Great Northern Insurance
• Secura has less expensive rates for drivers with a DUI

Great Northern or Secura: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might be considering Great Northern or Secura as potential options, but between the two, which carrier will save you the most?

As you can see, Secura is quite a bit cheaper than Great Northern, with premiums averaging $146 a month compared to $496 with Great Northern when looking at the national average rates for car insurance.

Even so, that doesn't necessarily mean Secura will be the more affordable option for each driver. 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 prices will differ quite a bit from person to person.

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

Great Northern vs. Secura: Average Car Insurance Rates by State

Great Northern and Secura only compete against each other in Michigan, where Secura offers the cheaper average premiums. Secura drivers tend to pay about $326 per month less on average compared to drivers who use Great Northern for their insurance.

But there's more to calculating car insurance prices than just where you call home. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any group on the road. Normally, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Secura for their auto insurance pay over 65% less than those who use Great Northern.

That being said, with both companies, you'll see your premiums reduce significantly once you turn 25. For example, average rates for Great Northern policyholders lower around $450 and Secura's premiums drop about $200 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Great Northern and Secura specifically, which company is best for retired drivers? Secura gets the edge, with rates for drivers 65 and older $235 less expensive than the national average for Great Northern.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance prices than married couples. This usually boils down to married policyholders having more than one vehicle on their policy -- something lots of insurance carriers will reward with discounts.

For single policyholders, the difference in average premiums between these two companies is significant, with Secura rates coming in at around a third of Great Northern's. The advantage for married drivers with Secura is also obvious, where drivers save more than $300 a month.

Great Northern or Secura: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding, which means they'll usually end up paying more for car insurance than women.

Women and men end up paying same monthly premiums with Great Northern, and about 2% with Secura.

When it comes to the most affordable rates for each gender, Secura comes out on top for both men and women, with average prices 70% less for men and 71% cheaper for women.

Great Northern 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 isn't the easiest topic to understand. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

But most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability limits, 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 Great Northern's $737.

Is Great Northern or Secura Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great premiums 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 speeding tickets on your record, but which of these two companies offers the cheapest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Great Northern car insurance policies don't report seeing their rates increase after getting a ticket, but Secura policyholders can expect to see their monthly bill increase by about 30%.

However, Secura is generally the more affordable option for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 82% cheaper for drivers with clean records and 75% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Great Northern drivers who get in a collision can expect to see their prices increase by 0%, while those who have insurance through Secura will see around a 35% increase.

At the end of the day, the less expensive premiums come from Secura, with average rates coming in at $129 compared to Great Northern Insurance's $496.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- typically a lot more than an accident or ticket. Secura drivers usually see a 64% increase in their car insurance premiums after a DUI charge, while Great Northern will normally climb prices by about 0%.

But if you end up with a DUI charge and are looking for more affordable rates, Secura tends to be cheaper for the average driver, with monthly premiums coming in at around $244 to Great Northern's $496.

How does Credit Score Impact Great Northern and Secura Rates?

Often times, your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as an insurance factor, but it does affect quite a few policyholders out there.

The reasoning 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 prices, while those with poor credit will generally be forced to pay more.

Looking specifically at Secura and Great Northern, which one has the most affordable premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Great Northern or Secura Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly rates. That's because the more milage you put on your vehicle each year, the more likely you are to be in a collision and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Great Northern charges. However, there's a small difference in monthly prices for Secura, with drivers who put 6,000 miles on their car each year paying about $5 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Secura is the more affordable carrier.

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

Where you call home can have a pretty big impact on your monthly car insurance payment. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer vehicles on the roads where they live.

When comparing these two companies side-by-side, Secura usually comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around 68% with Secura compared to Great Northern. People who live in suburban areas pay about 72% less with Secura compared to Great Northern. For drivers in urban ZIP codes, SECURA Insurance's average prices are around 72% less than Great Northern Insurance.

Great Northern vs. Secura Discounts

No matter 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 you can, and the best way to do that is by utilizing as many insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Great Northern and Secura so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Secura knocks Great Northern out of the park when it comes to the sheer number of discounts available, offering 19 different discounts to Great Northern's 19.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, and multi-policy discounts. Secura also offers discounts for advance quote, distant student, good driving, and more.

On the other hand, Great Northern has a few proprietary discounts of their own for things like ABS discounts, driver training discounts, occasional operator discounts, and more.

Final Thoughts: Is Great Northern or Secura Best for You?

So, we've broken down the average premiums for many of the variables car insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, is Great Northern or Secura the right fit for you?

Secura might be best for you if....

• You have a speeding ticket on your driving record.
• You live in an urban area.
• You live in a rural area.

Great Northern might be best for you if...

• You already have a great credit score.

Hopefully, this guide has ben a valuable resource as you compare Great Northern and Secura and that it aids in making a more informed 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 auto insurance -- comparing quotes from multiple companies, not just Great Northern and Secura. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Great Northern vs. Secura FAQs

Is Great Northern or Secura cheaper?

Secura is the less expensive of the two companies when looking at national average rates, with policies averaging $146 a month with Secura and $496 for Great Northern. But that doesn't mean Secura will be the lowest carrier for everyone, since there are a range of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Great Northern or Secura?

Unfortunately, the real answer is "it depends.". No one company is necessarily "better" for each policyholder -- it all depends on the makeup of your unique auto insurance profile. For example, Great Northern is cheaper for drivers with excellent credit, while Secura offers less expensive premiums for drivers with a recent DUI.

Why do Great Northern and Secura offer me different rates?

Insurance carriers use a lot of different variables when determining the prices they charge. Factors like gender, age, your driving record, where you park your car, and sometimes even things like your credit score can all come into play. Both Great Northern and Secura calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

How do I know if Great Northern 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 a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best carrier for you isn't Great Northern 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.