Pioneer State Mutual vs. Secura: Which Company is the Best Fit for You?

Quick Facts

• In general, Secura offers significantly cheaper prices than Pioneer State Mutual
• Secura offers more affordable rates for drivers who have received a ticket within the last few years
• Secura has more affordable premiums for residents of urban areas

Pioneer State Mutual vs. Secura: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You might have narrowed it down to Pioneer State Mutual or Secura for your next policy, but which carrier has less expensive rates for insurance?

Looking at nationwide averages, Secura is quite a bit cheaper than Pioneer State Mutual, with prices averaging $146 per month compared to $310 with Pioneer State Mutual.

Even so, that doesn't mean Secura will necessarily be cheaper than Pioneer State Mutual for each driver. Auto insurance companies use all sorts of complex algorithms to calculate premiums, so depending on how good your credit score is or how clean your driving record is (among several other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Pioneer State Mutual or Secura is really the best for you, keep reading to see average rates for each company broken down by a variety of different rate factors.

Pioneer State Mutual or Secura: Average Car Insurance Rates by State

Pioneer State Mutual and Secura only compete against each other in Michigan, where Secura offers the cheaper average premiums. For Michigan residents, Secura offers insurance for $170 a month on average. Pioneer State Mutual's average prices come out to be over 70% more expensive, at $310 monthly.

There's a lot more that goes into your car insurance payment than just your home state. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. It's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of nearly $250 less a month by choosing Secura over Pioneer State Mutual.

But both carriers will offer you dramatically lower rates once you turn 25. For example, average prices for Pioneer State Mutual policyholders lower almost 45% and Secura's rates drop more than 55% over that time.

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 cheapest premiums out there.

When looking at Pioneer State Mutual and Secura specifically, which carrier is best for retired drivers? Secura gets the edge here, with average rates coming in at about $111 per month compared to Pioneer State Mutual's $245.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are usually more expensive for those who are single than they are for married couples? That's normally because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Secura is the clear winner for single policyholders, with prices around $171 per month less expensive than Pioneer State Mutual, on average. The advantage for married policyholders with Secura is also obvious, where drivers save over 55% a month.

Pioneer State Mutual vs. Secura: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll generally end up paying more for auto insurance than women.

Women and men end up paying same monthly rates with Pioneer State Mutual, and about $3 more with Secura.

Looking at the data for each company specifically, Secura comes out on top for both men and women, with average prices 53% less for men and 54% cheaper for women.

Pioneer State Mutual 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, insurance isn't the easiest topic to understand. There are so many different terms and limits that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages in addition to liability).

If you're looking for state minimum liability insurance, Secura usually offers significantly more affordable premiums of $69 compared to Pioneer State Mutual's $182. When it comes to full coverage policies with similar limits, Secura again has the edge, with policies around $200 per month cheaper than Pioneer State Mutual, on average.

Is Pioneer State Mutual or Secura Better for Drivers with Spotty Records?

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

You'll probably end up paying more with tickets and collisions on your record, but which of these two companies offers the lowest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Pioneer State Mutual policyholders can expect their premiums to go up an average of $152 a month if they get a ticket, while Secura normally raises prices about $35 per month, on average.

However, Secura has more affordable rates for drivers in both categories, offering prices that are $121 and $238 less expensive, respectively, compared to Pioneer State Mutual.

Which Company is Best for Drivers After an Accident?

Pioneer State Mutual drivers who get in a collision can expect to see their premiums rise by just under $40, while those who have insurance through Secura will see around a $40 increase.

Overall, the cheaper prices come from Secura, with monthly rates averaging $129 compared to Pioneer State Mutual's $247.

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. For example, Pioneer State Mutual increases average premiums by over $200 a month -- that's over a 50% increase.

If you have a DUI on your record and are looking for more affordable rates, Secura tends to be the much less expensive option with average premiums of $244 a month compared to $425 from Pioneer State Mutual.

How does Credit Score Impact Pioneer State Mutual and Secura Rates?

Did you know that many auto insurance carriers take into account your credit score when calculating prices? Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect several policyholders out there.

Car insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the best premiums for drivers 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 Pioneer State Mutual 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 prices. Typically, the more miles you drive, 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 Pioneer State Mutual charges. However, there's a small difference in monthly rates for Secura, with policyholders who drive the least paying about $5 less every month compared to those who drive 12,000 miles each year. Still, Secura is the more affordable option for drivers in both categories.

Pioneer State Mutual vs. Secura: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a considerable impact on your monthly insurance cost. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

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

If you live in a rural area, you can expect to save around $92 with Secura compared to Pioneer State Mutual. Drivers in suburban ZIP codes pay about $167 less with Secura compared to Pioneer State Mutual. In urban areas, SECURA Insurance's average rates are around $234 less than Pioneer State Mutual.

Pioneer State Mutual vs. Secura Discounts

You want to save as much money as possible, right? 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 difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Below, we've broken down all of the different discounts offered by both Pioneer State Mutual and Secura so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Secura blows Pioneer State Mutual away when it comes to the sheer amount of discounts available, offering 19 different discounts to Pioneer State Mutual's 12.

There are a couple discounts both carriers offer, but Secura also offers advance quote discounts, defensive driver discounts, good driving discounts, and more that Pioneer State Mutual does not.

On the flip side, Pioneer State Mutual has a couple unique discounts of its own -- ABS discounts, affiliation policy experience discounts, comp only discounts, and more.

Final Thoughts: Is Pioneer State Mutual or Secura Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts companies offer. But, at the end of the day, is Pioneer State Mutual or Secura the best company for you, your vehicle, and your wallet?

Secura might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You live in an urban area.
• You are purchasing your auto insurance with a spouse.

Pioneer State Mutual might be best for you if...

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

We hope this guide helps you get a good idea of the differences between Pioneer State Mutual 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 several carriers, not just Pioneer State Mutual and Secura. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Pioneer State Mutual vs. Secura FAQs

Is Pioneer State Mutual or Secura cheaper?

Looking just at the national average prices, Secura is the less expensive of the two carriers, offering average rates of $146 per month compared to $310 for Pioneer State Mutual. That being said, Secura won't necessarily be the most affordable company for every driver, since there are several different factors that come into play when it comes to your car insurance bill.

Who is better, Pioneer State Mutual or Secura?

Unfortunately, the real answer is "it depends.". No single carrier is "better" for each driver -- it all depends on what your unique auto insurance profile looks like.

Why do Pioneer State Mutual and Secura offer me different rates?

Car insurance companies take a look at a lot of different variables when determining the premiums they charge policyholders. Things like where you call home, where your home is, age, gender, and sometimes even things like your credit score can all come into play. Both Pioneer State Mutual and Secura use different formulas, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Pioneer State Mutual or Secura is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies 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 information once and you'll get free quotes from dozens of the best insurance carriers 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 Pioneer State Mutual 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.