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

So, you're in the market for a new insurance policy. You may have even narrowed down your search to Progressive and Secura. But which of these two companies is the best one for you? Read on to find which company has the best rates and biggest discounts.
Newly insured car driving down the road
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

  • In general, Secura offers cheaper prices than Progressive
  • Progressive tends to be a much less expensive option for drivers with a DUI charge on their record
  • Secura has more affordable premiums for drivers who have received a ticket within the last few years


Progressive vs. Secura: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Progressive or Secura as potential options, but which company will offer you cheaper rates?

Progressive Secura
$180$146

Looking at the national average rates for both companies, Secura is about $34 per month less expensive than Progressive.

Even so, Secura may not be the most affordable or best option for every single driver out there. Auto insurance carriers vary their prices depending on things like how old you are, where you live, how good your credit score is, how clean your driving record is, and a variety of other factors, so premiums will vary quite a bit from person to person.

So, if you want to find out which of Progressive or Secura is really the best for you, keep reading to see average rates for each carrier broken down by a range of different rate factors.

Progressive or Secura: Average Car Insurance Rates by State

State Progressive Secura
IL$155$168
MI$217$170
WI$104$98

Progressive and Secura only compete against each other in three states, with Progressive offering more affordable prices to the average driver in all of them. If you live in Illinois, Progressive is the cheaper of the two companies when looking at the overall average premiums. Secura is the less expensive option in Michigan and Wisconsin.

That being said, there are plenty of other factors that go into your car insurance bill than just where you live. Read on to learn more.


Find your best rate in just a few minutes


Which is the Best Company For Young Drivers?

Progressive Secura
18-year-old drivers$451$311
25-year-old drivers$142$134

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

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use Secura save nearly $150 a month compared to those who use Progressive. It's worth noting that Progressive offers auto insurance in 44 different states compared to Secura's three, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower rates once you turn 25. For example, average premiums for Progressive policyholders drop more than $300 and Secura's prices decrease almost $200 over that time.

Which is the Best Company for Retired Drivers?

Progressive Secura
65+-year-old drivers$131$111

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

But who has the best prices for retired drivers between Progressive and Secura? Secura gets the edge here, with average rates coming in at around $111 per month compared to Progressive's $131.

Which is the Best Company for Married Drivers?

Progressive Secura
Single$221$169
Married$126$115

Did you know that insurance premiums are usually more expensive for single drivers than they are for married drivers? That's because policies for married policyholders normally cover more than one car, which many companies will offer you a discount for.

When it comes to relationship status, Secura is the clear winner for single policyholders, with prices about $52 per month more affordable than Progressive, on average. But for married couples, that advantage is much less clear - Secura has the edge when it comes to average rates.

Progressive vs. Secura: Average Rates by Gender

Progressive Secura
Male$183$147
Female$178$144

Women tend to pay less for auto insurance than men. This is because men are more likely to get into accidents and get tickets, which increases the chances of an insurance claim.

Men typically pay around 3% more a month than women with Progressive, and about 2% more with Secura.

Looking at overall affordability, Secura offers the cheapest average premiums for both men and women. On average, male drivers save about $36 per month and women save around $34 with Secura compared to the average Progressive policyholder.


Find your best rate in just a few minutes


Progressive or Secura: Compare State Minimum vs. Full Coverage Rates

Progressive Secura
State Minimum*$111$69
Full Coverage**$250$222

*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 car insurance can be a complicated subject for most people. There are several different coverages that account for multiple different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum liability limits, Secura normally offers significantly cheaper rates of $69 compared to Progressive's $111. When it comes to full coverage policies with similar limits, Secura again has the edge, with policies about $30 a month less expensive than Progressive, on average.

Is Progressive 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.

You'll probably end up paying more with tickets and accidents on your record, but which of these two carriers offers the lowest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Progressive Secura
Clean Record$149$87
1 Speeding Ticket$180$122

Progressive policyholders can expect their premiums to go up an average of $31 per month if they get a ticket, while Secura generally raises rates around $35 a month, on average.

However, Secura is usually the more affordable option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save about $62 per month and drivers with a ticket can save around $58 a month with SECURA Insurance.

Which Company is Best for Drivers After an Accident?

Progressive Secura
Clean Record$149$87
1 At-Fault Accident$214$129

Progressive drivers who get in an accident can expect to see their prices increase by $65, while those who have insurance through Secura will see about a $40 increase.

Overall, the less expensive premiums come from Secura, with monthly rates averaging $129 compared to Progressive's $214.

Which Company is Best for Drivers with a DUI?

Progressive Secura
Clean Record$149$87
1 DUI$177$244

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. On average, Secura will increase your prices around 64% after a DUI, while Progressive's average premiums climb by over 15%.

Progressive has the overall most affordable rates for drivers with a DUI on their records at $177 monthly, but it's worth noting that Progressive's average rates come from 44 states compared to just three for Secura, so the data may be skewed slightly.


Find your best rate in just a few minutes


How does Credit Score Impact Progressive and Secura Rates?

Did you know that many auto insurance companies take your credit score into account when calculating prices? Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for quite a few policyholders.

The reasoning car insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable premiums.

So, which company offers the cheapest rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Progressive Secura
Excellent Credit Score$136$122
Good Credit Score$157$133

If you have a great credit score, you'll usually find a better deal with Secura. Drivers with "excellent" credit can save more than 10% compared to Progressive, and those with "good" scores can also expect to see savings -- about $24 or 15% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Progressive Secura
Fair Credit Score$181$148
Poor Credit Score$247$179

Secura typically offers lower prices than Progressive when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $33 per month less with Secura compared to Progressive, and those with "poor" scores usually save an average of about $68 a month.


Find your best rate in just a few minutes


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

Progressive Secura
6,000 Annual Miles$180$143
12,000 Annual Miles$180$148

How much you drive can have a substantial impact on your monthly premiums. Generally, the more miles you drive, the more you can expect to pay for insurance.

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

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

Where you live can have a large impact on your monthly auto insurance cost. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of cars that are on the roads in those areas.

Progressive Secura
Urban Areas$207$161
Suburban Areas$179$137
Rural Areas$154$139

Secura tends to offer the most affordable premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to pay about $139 per month with Secura compared to Progressive's $154. Drivers in suburban ZIP codes pay around $137 with Secura compared to Progressive's $179 monthly. For drivers in urban ZIP codes, Secura's average rates are about $161 a month compared to Progressive's $207.

Progressive vs. Secura Discounts

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

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

Below, we've taken a look at all of the different discounts Progressive and Secura offer their customers so that you can see which one can save you the most money each month.

Progressive Secura
ABS Discount 
Advance Quote Discount
Advanced Safety Feature Discount 
Agency Transfer Discount 
Anti-Theft Discount
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
DRL Discount 
E-Signature Discount 
Education Discount 
EFT Discount 
Good Driving Discount
Good Student Discount
Group Discount
Homeowner Discount 
Hybrid Vehicle Discount 
Low Income Discount 
Loyal Customer Discount 

Progressive knocks Secura out of the park when it comes to the sheer number of discounts available, offering 34 different discounts to Secura's 19.

There are a couple discounts both carriers offer, but Progressive also offers ABS discounts, advanced safety feature discounts, agency transfer discounts, and more that Secura does not.

On the flip side, Secura has a couple unique discounts of its own -- hybrid vehicle discounts, low income discounts, new vehicle discounts, and more.


Find your best rate in just a few minutes


Final Thoughts: Is Progressive or Secura Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've broken down the different discounts each company offers, too. But, when it comes down to it, which insurance carrier is the right carrier for you and your specific needs?

Secura might be best for you if....

  • Your driving record contains an at-fault accident.
  • You're looking for more protection with "full coverage" car insurance.
  • You've started working from home and don't have much of a commute.


Progressive might be best for you if...

  • You're thinking about moving to another state -- SECURA Insurance only offers policies in three states.
  • You have a DUI charge on your record.
  • You're looking for the company with the most discounts.

We hope this guide helps you get a better idea of the difference between Progressive and Secura. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of companies, not just Progressive 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 car insurance carriers in your area, all for free.


Find your best rate in just a few minutes


Progressive vs. Secura FAQs

Is Progressive or Secura cheaper?

Looking just at the national average prices, Secura is the less expensive of the two companies, offering average rates of $146 per month compared to $180 for Progressive. But Secura won't necessarily be the cheapest carrier for each policyholder, since there are a bunch of different variables that come into play when it comes to your insurance payment.

Who is better, Progressive or Secura?

Unfortunately, the answer truly is "it depends.". Neither company is "better" for everyone -- it all boils down to your unique car insurance profile. For example, Progressive offers cheaper rates for drivers with a recent DUI, while Secura is less expensive for drivers with excellent credit.

Why do Progressive and Secura offer me different rates?

Auto insurance carriers take a look at lots of different factors when determining the prices they charge policyholders. Things like age, your driving record, gender, where you call home, and sometimes even things like your credit score can all come into play. Both Progressive and Secura calculate rates differently, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the 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 makes it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Progressive 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.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes