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

Quick Facts

• Looking at the national averages for insurance, Secura offers significantly more affordable rates than State Auto
• Secura tends to be a much less expensive option for policyholders who have a short commute
• Secura has cheaper prices for drivers with a DUI charge on their record

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

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Secura or State Auto, but between the two, which company will save you the most?

Looking at nationwide averages, Secura has average rates that are about 45% per month less expensive than those from State Auto.

But Secura may not be the cheapest or best option for each driver out there. Auto insurance companies use a variety of complex algorithms to calculate premiums, so depending on how old you are or how good your credit score is (among several other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average prices from both Secura and State Auto by a range of different rate factors, so read on to find out which carrier is the best for you.

Secura or State Auto: Average Car Insurance Rates by State

Secura and State Auto only compete against each other in two states, with Secura offering more affordable premiums to the average driver in all of them. Wisconsin has the most noticable difference, where Secura rates are over 70% cheaper than car insurance prices at State Auto.

There are plenty of other factors that go into your insurance cost than just the state you live in. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any group out there on the road. It's usually 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 auto insurance. Just look at the table above -- where 18-year-old drivers who have Secura for their insurance pay more than $400 less than those who use State Auto.

Even so, both carriers will reduce rates by the time you turn 25. State Auto offers the steepest reduction, with 25-year-olds paying less than a quarter of what 18-year-old drivers are charged. That being said, Secura still has the lowest premiums at $134 a month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable car insurance prices you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

So, which company offers the best premiums to retired drivers? Secura gets the edge, with prices for drivers 65 and older $56 less expensive than the national average for State Auto.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are normally more affordable for married couples than they are for those who are single? That's because policies for married policyholders usually cover multiple cars, which several companies will offer you a discount for.

When it comes to relationship status, Secura is the clear winner for single policyholders, with prices around $158 a month cheaper than State Auto, on average. The advantage for married drivers with Secura is also obvious, where drivers save over 30% per month.

Secura vs. State Auto: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll generally end up paying more for auto insurance than women.

Men typically pay about $3 a month more than women with Secura, while with State Auto, the difference is closer to $24 per month.

Looking at the data for each carrier specifically, Secura comes out as the lowest option for both genders, with average rates 46% less for men and 42% cheaper for women.

Secura or State Auto: 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.

Insurance can be a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

However, the most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers if you cause a collision) and full coverage (which normally refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum liability insurance, Secura usually offers significantly more affordable premiums of $69 compared to State Auto's $149. When it comes to full coverage policies with similar limits, Secura again has the edge, with policies around $150 a month cheaper than State Auto, on average.

Is Secura or State Auto Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

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

Which Company is Best for Drivers with Speeding Tickets?

Secura policyholders can expect their prices to go up an average of $35 per month if they get a ticket, while State Auto generally raises premiums about $48 a month, on average.

Even so, Secura has less expensive rates for drivers in both categories -- their rates are around 49% more affordable for drivers with clean records and 44% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Secura can expect to see around an $42 -- or about 33% -- increase in their insurance premiums. Drivers who use State Auto for their car insurance will see a monthly bill around $99 (or 37%) more expensive after reporting an accident to their insurance company.

Overall, drivers who use Secura end up with the cheaper prices after an accident, with monthly prices averaging $129 compared to State Auto Insurance's $269.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your auto insurance bill. On average, State Auto will raise your rates about 55% after a DUI, while Secura's average prices climb by just under 65%.

If you have a DUI on your record and are looking for more affordable premiums, Secura tends to be the much less expensive option with average rates of $244 per month compared to $380 from State Auto.

How does Credit Score Impact Secura and State Auto Rates?

You may not realized it, but your credit score can come into play when carriers determine your monthly bill. This isn't always the case (for example, Massachusetts and California are two states that ban the practice entirely), but it will come into play for a lot of drivers.

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which carrier offers the best prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Secura. Policyholders with "excellent" credit can save over 35% compared to State Auto, and those with "good" scores can also expect to see savings -- around $95 or 42% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Secura typically offers lower premiums than State Auto when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $114 per month less with Secura compared to State Auto, and those with "poor" scores typically save an average of around $174 monthly.

Is Secura or State Auto 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 how much auto insurance carriers will charge for coverage. Normally, the more miles you put on your vehicle, 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 State Auto 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 cheaper option for drivers in both categories.

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

Where you park your car can have a considerable impact on your monthly car insurance payment. Usually, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer vehicles on the roads in those areas.

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

In urban areas, SECURA Insurance's average prices are around $156 less than State Auto Insurance. Drivers in suburban ZIP codes pay about $99 less with Secura compared to State Auto. If you live in a rural area, you can expect to save around $86 with Secura compared to State Auto.

Secura vs. State Auto Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where auto insurance discounts comes into play.

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.

In the section below, we've broken down all of the different discounts offered by both Secura and State Auto so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Overall, Secura comes out ahead with 19 discounts to State Auto's 18.

There are a couple discounts both companies offer, but Secura also offers group discounts, hybrid vehicle discounts, low income discounts, and more that State Auto does not.

On the flip side, State Auto has a couple unique discounts of its own -- ABS discounts, advantage program discounts, COVID-19 relief discount, and more.

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

So, we've broken down the average premiums for many of the variables car insurance carriers look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, which company is the right one for you and your specific profile and needs?

Secura might be best for you if....

• Your driving record contains an at-fault collision.
• You care about discounts (Secura offers the most).
• You live in a rural area.

State Auto might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Secura and State Auto and that you can now make a more informed decision when it comes to your 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 auto insurance -- comparing quotes from multiple companies, not just Secura and State Auto. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Secura vs. State Auto FAQs

Is Secura or State Auto cheaper?

Looking just at the national average rates, Secura is the less expensive of the two companies, offering average rates of $146 a month compared to $259 for State Auto. However, Secura won't necessarily be the most affordable carrier for every driver, since there are a bunch of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Secura or State Auto?

Sadly, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do Secura and State Auto offer me different rates?

Car insurance carriers take a look at quite a few different variables when calculating the prices they charge policyholders. Factors such as age, where your home is, your driving record, gender, and sometimes even things like your credit score can all be used. Both Secura and State Auto calculate premiums using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from a handful of carriers 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 free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Secura or State Auto 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.