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

Quick Facts

• Based on national averages for insurance, Secura offers less expensive rates than Rurual Mutual
• Rurual Mutual offers more affordable premiums for policyholders who live in suburban areas
• Secura offers more affordable average rates for single people who will be the only person on the auto insurance policy

Rurual Mutual or Secura: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You might be considering Rurual Mutual or Secura for your next policy, but which company will save you the most?

Looking at the national average rates for both carriers, Rurual Mutual is around $21 more a month than Secura.

Even so, that doesn't necessarily mean Secura will be the cheaper option for every single driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things), so premiums could differ drastically from person to person.

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

Rurual Mutual vs. Secura: Average Car Insurance Rates by State

Rurual Mutual and Secura only compete against each other in Wisconsin, where Secura offers the cheaper average premiums. Secura drivers tend to pay about $69 per month less on average compared to drivers who use Rurual Mutual for their insurance.

But there's more to car insurance than just where you live. As we mentioned above, there's a lot of things that go into how insurance carriers determine your rates. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any other group of drivers. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. As you can see above, teens who use Secura save 7% a month compared to those who use Rurual Mutual.

But both companies will reduce rates by the time drivers turn 25. Secura offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Rurual Mutual's average prices lower over 55% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable auto insurance premiums out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for insurance.

But who has the best premiums for retired drivers between Rurual Mutual and Secura? Secura gets the edge here, with average prices coming in at about $111 per month compared to Rurual Mutual's $135.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be more expensive for single drivers than they are for married drivers. That's usually because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average prices between these two carriers is significant, with Secura rates coming in at around 10% less than Rurual Mutual's. The advantage is also clear for married couples - Secura offers the lowest average prices.

Rurual Mutual or Secura: Average Rates by Gender

Men are statistically more likely than women to get tickets and get into accidents, which means they'll typically end up paying more for insurance than women.

Generally, men see rates about 6% per month higher with Rurual Mutual, but with Secura, the difference is closer to 2% a month.

Looking at the data for each company specifically, Secura comes out as the cheapest option for both genders. On average, women save about $18 per month and men save around $26 with Secura compared to the average Rurual Mutual policyholder.

Rurual Mutual 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.

Car insurance isn't the easiest topic to understand. There are several different coverages that account for multiple different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

When it comes to state minimum liability insurance, Rurual Mutual has the edge, while Secura offers the lowest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $2 with Rurual Mutual Insurance, while full coverage comes out to be about $45 less expensive with SECURA Insurance.

Is Rurual Mutual or Secura Better for Drivers with Spotty Records?

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

It's no secret secret that speeding tickets and at-fault collisions lead to higher prices, but which carrier -- Rurual Mutual or Secura -- has the most affordable rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Rurual Mutual for their car insurance can usually expect their monthly bill to go up around 8% after getting a speeding ticket. Secura policyholders can expect a bit more drastic of an increase of about 29%.

But Secura has cheaper premiums for drivers in both categories -- their rates are around 26% more affordable for drivers with clean records and 4% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Rurual Mutual policyholders who get in a collision can expect to see their prices rise by just under $20, while those who have insurance through Secura will see around a $40 increase.

At the end of the day, the more affordable premiums come from Secura, with average rates coming in at $129 compared to Rurual Mutual Insurance's $136.

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. For example, Rurual Mutual increases average prices by more than $150 a month -- that's nearly a 60% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Secura tends to be less expensive for the average driver, with monthly premiums coming in at about $244 to Rurual Mutual's $288.

How does Credit Score Impact Rurual Mutual and Secura Rates?

You may not realized it, but your credit score can come into play when companies calculate your monthly bill. This isn't true for everyone (California, for example, has banned the use of credit score as an auto insurance factor) but it will come into play for quite a few drivers.

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the lowest rates for policyholders 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 Rurual Mutual or Secura Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a big impact on your monthly car insurance cost? Generally, those who drive fewer miles will end up with more affordable prices since there's less of a chance of causing an accident and filing an insurance claim.

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

Rurual Mutual 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 sizable impact as well. Typically, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer cars on the road where they live, which reduces the chances of an accident.

Looking at these companies side-by-side, Secura normally comes out as the less expensive option for drivers in rural and urban areas, while Rurual Mutual wins in suburban areas.

For policyholders in urban ZIP codes, SECURA Insurance's average premiums are about $50 less than Rurual Mutual Insurance. People who live in suburban areas pay around $5 less with Rurual Mutual compared to Secura. Those in rural areas can expect to save about $19 with Secura compared to Rurual Mutual.

Rurual Mutual vs. Secura Discounts

No matter why you might be in the market for a new 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 taking advantage of 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 challenging to find all the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Rurual Mutual and Secura so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

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

There are a couple discounts both carriers offer, but Secura also offers discounts for advance quote, anti-theft, defensive driver, and more.

On the other hand, Rurual Mutual has a proprietary discount of their own -- a claim free discounts.

Final Thoughts: Is Rurual Mutual or Secura Best for You?

So, we've broken down the average prices for many of the variables car insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which insurance company is the right one for you and your specific profile and needs?

Secura might be best for you if....

• You have an at-fault accident on your record.
• You want the most robust protection via a "full coverage" policy.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Rurual Mutual might be best for you if...

• You're looking for the best premiums on liability only coverage.
• You live in an suburban area.

Hopefully, this guide helps you get a better idea of the difference between Rurual Mutual and Secura and that you can now make a more informed decision when it comes to your auto 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 carriers, not just Rurual Mutual and Secura. Luckily, Compare.com does 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.

Rurual Mutual vs. Secura FAQs

Is Rurual Mutual or Secura cheaper?

Secura is the cheaper of the two carriers when looking at national average rates, with policies averaging $146 per month with Secura and $167 for Rurual Mutual. Even so, that doesn't mean Secura will be the cheapest carrier for everyone, since there are a variety of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Rurual Mutual or Secura?

Unfortunately, the answer truly is "it depends.". No single company is "better" for everyone -- it all comes down to what your unique car insurance profile looks like.

Why do Rurual Mutual and Secura offer me different rates?

Auto insurance companies use many different variables when determining the prices they charge. Things such as where you call home, age, where you park your vehicle, gender, and sometimes even things like your credit score can all be used. Both Rurual Mutual and Secura calculate rates using different factors, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

How do I know if Rurual Mutual 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 multiple 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 area information 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 best price. And maybe you'll find that the best carrier for you isn't Rurual Mutual 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.