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

Quick Facts

• Based on national averages for auto insurance, Secura offers significantly less expensive prices than Safe Auto
• Secura offers cheaper average premiums for single people who will be the only person on the insurance policy
• Secura offers more affordable rates for policyholders who live in urban areas

Safe Auto 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 large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Safe Auto or Secura as potential options, but which one will save you the most?

Looking at the national average rates for both carriers, Secura has average rates that are around 35% a month more affordable than those from Safe Auto.

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

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

Safe Auto vs. Secura: Average Car Insurance Rates by State

Safe Auto and Secura only compete against each other in one states, with Secura offering cheaper premiums to the average driver in all of them. Illinois has the most noticable difference, where Secura rates are $12 more affordable than car insurance prices at Safe Auto.

That being said, there are plenty of other factors that go into your insurance cost than just where you live. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. Normally, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, 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 almost 30% less than those who use Safe Auto. It's worth noting that Safe Auto offers insurance in 13 different states compared to Secura's three, which can skew the average premiums a bit, but the difference here is still considerable.

But both carriers will decrease prices once you turn 25. Secura offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Safe Auto's average rates reduce over 50% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable car 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 auto insurance.

But who has the best prices for retired drivers between Safe Auto and Secura? Secura gets the edge here, with average premiums coming in at about $111 monthly compared to Safe Auto's $179.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are usually cheaper for married policyholders than they are for single drivers? That's because policies for married drivers typically cover multiple vehicles, which lots of companies will give you a discount for.

For single policyholders, the difference in average rates between these two carriers is significant, with Secura premiums coming in at a third less than Safe Auto's. The advantage for married couples with Secura is also obvious, where drivers save around $60 per month.

Safe Auto or Secura: Average Rates by Gender

Men are statistically more likely than women to get tickets and get into collisions. That means when it comes to insurance men will usually end up paying a little more.

With Safe Auto, men normally pay about $15 a month more than women, but with Secura, the difference is closer to $3 per month.

Looking at overall affordability, Secura comes out on top for both men and women. On average, women save about $70 a month and men save around $84 with Secura compared to the average Safe Auto policyholder.

Safe Auto 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 isn't the easiest topic to understand. There are lots of different coverages that account for a range of 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.

However, most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum limits for liability insurance, Secura has the significant edge, with average monthly prices 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 about $222 per month to Safe Auto's $320.

Is Safe Auto 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Safe Auto for their car insurance can generally expect their monthly bill to go up around 18% after getting a speeding ticket. Secura policyholders can expect a bit more drastic of an increase of about 29%.

That being said, Secura has less expensive premiums for drivers in both categories, offering rates that are $93 and $98 more affordable, respectively, compared to Safe Auto.

Which Company is Best for Drivers After an Accident?

Both carriers will raise prices pretty significantly if you get into an at-fault collision with Safe Auto climbing by around 27%. Secura has a less extreme climb, but you can still expect to pay nearly 35% more than you were prior to your first accident.

At the end of the day, the less expensive premiums come from Secura, with average prices coming in at $129 compared to Safe Auto's $246.

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. On average, Secura will raise your rates about 64% after a DUI, while Safe Auto's average premiums climb by more than 25%.

Secura has the overall most affordable prices for drivers with a DUI on their records at $244 per month, but it's worth noting that Safe Auto's average rates come from 13 states compared to just three for Secura, so the data may be skewed slightly.

How does Credit Score Impact Safe Auto and Secura Rates?

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

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

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

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Secura will typically reward you the most. For drivers with "excellent" credit scores, Secura comes in just under 34.76 cheaper. Drivers with "good" credit scores normally save around 40% with Secura compared to average premiums from Safe Auto.

Which Company is Best for Drivers with Bad Credit?

Secura typically offers lower rates than Safe Auto when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 36% a month less with Secura compared to Safe Auto, and those with "poor" scores usually save an average of around 29% a month.

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

How much you drive can have a big impact on your monthly prices. Generally, the more milage 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 Safe Auto charges. However, there's a small difference in monthly premiums for Secura, with drivers who put 6,000 miles on their car yearly paying about $5 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Secura is the more affordable company.

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

Secura tends to offer the most affordable premiums 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 $139 monthly with Secura and $197 with Safe Auto. People in suburban areas pay a monthly rate of about $137 with Secura compared to $200 with Safe Auto. In urban areas, Secura's average prices are around $161 per month compared to Safe Auto's $271.

Safe Auto vs. Secura Discounts

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

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Safe Auto and Secura so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Overall, Secura comes out ahead with 19 discounts to Safe Auto's 14.

There are a couple discounts both companies offer, but Secura also offers discounts for advance quote, distant student, good driving, and more.

On the other hand, Safe Auto has a few proprietary discounts of their own for things like agency transfer discounts, claim free discounts, driver training discounts, and more.

Final Thoughts: Is Safe Auto or Secura Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. But, at the end of the day, which insurance carrier is the best company for you and your specific driver profile?

Secura might be best for you if....

• You have an at-fault collision on your record.
• You want the most robust protection via a "full coverage" policy.
• You're of retirement age and want to take advantage of lower premiums.

Safe Auto might be best for you if...

• You're thinking about moving to another state -- SECURA Insurance only offers policies in three states.

Hopefully, this guide helps you get a better idea of the difference between Safe Auto and Secura and that you can now make a more informed decision when it comes to your insurance.

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

Safe Auto vs. Secura FAQs

Is Safe Auto 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 $223 for Safe Auto. Even so, that doesn't mean Secura will be the cheapest company for each policyholder, since there are many different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Safe Auto or Secura?

Sadly, the answer truly is "it depends.". No single carrier is "better" for every policyholder -- it all depends on what your unique car insurance profile looks like.

Why do Safe Auto and Secura offer me different rates?

Auto insurance carriers use several different factors when determining the prices they charge. Things like age, gender, where you park your vehicle, your driving record, and sometimes even things like your credit score can all be used. Both Safe Auto and Secura use different formulas, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the insurance carrier 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 quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't Safe Auto 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.