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

Quick Facts

• Looking at the national averages for insurance, Integrity offers significantly more affordable rates than Secura
• Integrity offers less expensive average premiums for single people who will be the only person on the auto insurance policy
• Secura may help you save more money -- they offer more discounts than Integrity Insurance

Integrity or Secura: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Integrity or Secura for your next policy, but which carrier has cheaper rates for insurance?

Looking at nationwide averages, Integrity has average rates that are around 45% a month more affordable than those from Secura.

Even so, that doesn't mean Integrity will necessarily be less expensive than Secura for every single driver. Car insurance carriers vary their premiums depending on things like how good your credit score is, where you live, how old you are, how clean your driving record is, and a ton of other factors. So, at the end of the day, prices from every carrier will differ quite a bit from person to person.

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

Integrity vs. Secura: Average Car Insurance Rates by State

Integrity and Secura only compete against each other in one states, with Integrity offering cheaper prices to the average driver in all of them. Wisconsin has the most noticable difference, where Integrity rates are $38 less expensive than insurance premiums at Secura.

But there's more to calculating car insurance prices than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

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

However, that doesn't mean that teen drivers have to just accept sky-high insurance rates. For example, 18-year-old drivers pay an average of over 40% less per month by choosing Integrity over Secura.

But both companies will offer you dramatically lower prices by the time drivers turn 25. For example, average rates for Integrity policyholders reduce more than 65% and Secura's premiums lower over 55% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the lowest car insurance rates you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

But who has the best prices for retired drivers between Integrity and Secura? Integrity gets the edge, with rates for drivers 65 and older more than 45% cheaper than the national average for Secura.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are typically more expensive for single policyholders than they are for married policyholders? That's because policies for married drivers normally cover several vehicles, which many carriers will give you a discount for.

For single drivers, the difference in average prices between these two companies is significant, with Integrity premiums coming in at about half of Secura's. The advantage for married couples with Integrity is also obvious, where drivers save almost 50% a month.

Integrity or Secura: Average Rates by Gender

Did you know women typically pay less for car insurance than men? This is because men are statistically more likely than women to get tickets and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

On average, men see rates around $10 per month higher with Integrity, and about $3 more with Secura.

Looking at the data for each carrier specifically, Integrity offers the most affordable average prices for both men and women. On average, women save about $67 a month and men save around $62 with Integrity compared to the average Secura policyholder.

Integrity 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.

For most people, auto insurance can be pretty complicated. Everyone needs insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

That being said, most policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum liability insurance, Integrity has the significant edge, with average monthly rates coming in at $38. If you want a full coverage policy with the same state minimum limits, Integrity again has the edge, with policies averaging about $124 per month to Secura's $222.

Is Integrity or Secura Better for Drivers with Spotty Records?

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

Speeding tickets and collisions will most likely raise your premiums, but is Integrity or Secura more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Integrity for their auto insurance can usually expect their monthly bill to go up around 26% after getting a speeding ticket. Secura policyholders can expect a bit more drastic of an increase of about 29%.

However, Integrity is generally the cheaper option for both drivers who have a recent ticket and those with clean records. With Integrity Insurance, drivers with a clean record can save around $24 a month and drivers with a speeding ticket can save about $37 per month.

Which Company is Best for Drivers After an Accident?

Integrity drivers who get in an accident can expect to see their prices climb by over $20, while those who have insurance through Secura will see around a $40 increase.

At the end of the day, Integrity offers the lowest rates for drivers with an at-fault collision on their records, with average premiums coming in at $84 compared to SECURA Insurance's $129.

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. For example, Secura increases average prices by more than $150 a month -- that's nearly a 65% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Integrity tends to be more affordable for the average driver, with monthly premiums coming in at about $92 to Secura's $244.

How does Credit Score Impact Integrity and Secura Rates?

Did you know many car insurance carriers take into account your credit score when determining premiums? Certain states and companies do not allow for credit score to be used as a car insurance factor, but it might come into play for quite a few policyholders.

Auto insurance carriers 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.

So, which company offers the most affordable prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Integrity will normally reward you the most. For drivers with "excellent" credit scores, Integrity comes in more than 46.72 less expensive. Drivers with "good" credit scores generally save around 44% with Integrity compared to average rates from Secura.

Which Company is Best for Drivers with Bad Credit?

Integrity typically offers lower premiums than Secura when it comes to drivers with bad credit. Drivers with "fair" credit pay about 45% per month less with Integrity compared to Secura, and those with "poor" scores normally save an average of around 43% a month.

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

How much you drive can have a pretty big impact on how much insurance companies will charge for coverage. Usually, the more milage you put on your car, the more you can expect to pay for coverage.

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

Integrity 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 auto insurance, but the type of area you live in can have a big impact as well. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

When comparing these two carriers side-by-side, Integrity usually comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $83 monthly with Integrity compared to Secura's $139. People in suburban areas pay a monthly premium of about $78 with Integrity compared to $137 with Secura. For drivers in urban ZIP codes, Integrity's average premiums are around $82 while Secura offers prices about $161.

Integrity vs. Secura Discounts

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

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Integrity and Secura so that you can see which one can save you the most money each month.

Secura knocks Integrity out of the park when it comes to the sheer number of discounts available, offering six more discounts than Integrity.

Both companies offer a lot of the same discounts -- like discounts for being a defensive driver, distant student discounts, and discounts for insuring multiple cars with the same company -- but Secura also offers discounts for good driving, hybrid vehicle, low income, and more.

On the other hand, Integrity has a few proprietary discounts of their own for things like company car discounts, continuous insurance discounts, homeowner discounts, and more.

Final Thoughts: Is Integrity or Secura Best for You?

So, you've seen how different variables can affect your insurance rates. We've broken down the different discounts each carrier offers, too. But, at the end of the day, which insurance company is the right fit for you?

Integrity might be best for you if....

• Your driving record includes a DUI charge.
• You live in an suburban area.
• You're married and plan to have both of your names on the vehicle's car insurance policy.

Secura might be best for you if...

• You're looking for the carrier with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Integrity 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 car insurance policy is to compare quotes from multiple carriers, not just Integrity and Secura. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Integrity vs. Secura FAQs

Is Integrity or Secura cheaper?

Integrity is the more affordable of the two carriers when looking at national average premiums, with policies averaging $81 a month with Integrity and $146 for Secura. But that doesn't mean Integrity will be the most affordable company for every driver, since there are a range of different factors that come into play when it comes to your car insurance cost.

Who is better, Integrity or Secura?

Unfortunately, the real answer is "it depends.". No single carrier is "better" for each policyholder -- it all depends on the makeup of your unique auto insurance profile.

Why do Integrity and Secura offer me different rates?

Insurance companies use lots of different variables when calculating the prices they charge. Things like gender, your driving record, age, where your home is, and sometimes even things like your credit score can all be used. Both Integrity and Secura calculate rates using different factors, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of companies 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 ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the most affordable price. And maybe you'll find that the best company for you isn't Integrity 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.