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

Quick Facts

• Based on national averages for insurance, Secura offers cheaper rates than Travelers
• Secura has less expensive prices for drivers who have an at-fault accident on their record
• Travelers offers more discounts than SECURA Insurance

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

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

You might have narrowed your search down to Secura or Travelers as potential options, but which company has cheaper rates for auto insurance?

As you can see, Travelers has average rates that are about 13% per month more expensive than those from Secura when looking at the national average rates for insurance.

However, that doesn't necessarily mean Secura will be the less expensive option for every single driver. Auto insurance companies use all sorts of complex algorithms to calculate prices, so depending on where you live or how old you are (among numerous other factors), you could see wildly different premiums from the ones above.

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

Secura or Travelers: Average Car Insurance Rates by State

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

That being said, there are plenty of other factors that go into your insurance bill than just where you call home. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. It's typically because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Secura save more than $40 a month compared to those who use Travelers.

That being said, with both carriers, you'll see your premiums drop significantly once you turn 25. Travelers offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Secura still has the most affordable prices at $134 per month.

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 lowest rates out there.

So, which carrier offers the best prices to retired drivers? Secura gets the edge here, with average premiums coming in at around $111 monthly compared to Travelers's $132.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive insurance rates than single drivers. This usually boils down to married couples having more than one car on their policy -- something a lot of car insurance companies will reward with discounts.

When it comes to relationship status, Secura is the clear winner for single policyholders, with prices about $21 per month more affordable than Travelers, on average. For married drivers, the advantage is clear again - Secura has the edge when it comes to average premiums.

Secura vs. Travelers: Average Rates by Gender

Because men are more likely to get into accidents and get speeding tickets, they have a higher chance of filing a claim with insurance. Therefore, men generally pay more for auto insurance than women.

Women usually pay around 2% a month less than men with Secura, and about 6% less with Travelers.

When it comes to the cheapest prices for each gender, Secura comes out on top for both men and women, with average rates $25 less for men and $17 cheaper for women.

Secura or Travelers: 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, car insurance can be pretty complicated. Everyone needs insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum liability limits, Secura typically offers significantly cheaper premiums of $69 compared to Travelers's $108. When it comes to full coverage policies with similar limits, Secura again has the edge, with policies around $3 per month more affordable than Travelers, on average.

Is Secura or Travelers 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 at-fault accidents and tickets on your record, but which of these two carriers offers the lowest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Secura policyholders can expect their rates to go up an average of $35 a month if they get a ticket, while Travelers usually raises premiums about $32 per month, on average.

But Secura is normally the less expensive option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 32% cheaper for drivers with clean records and 24% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Secura drivers who get in a collision can expect to see their rates climb by just under 35%, while those who have insurance through Travelers will see around a 25% increase.

Overall, the more affordable prices come from Secura, with monthly premiums averaging $129 compared to Travelers's $173.

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 an accident. Secura drivers usually see a 64% climb in their insurance prices after a DUI charge, while Travelers will usually raise premiums by about 38%.

How does Credit Score Impact Secura and Travelers Rates?

You may not realized it, but your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for lots of policyholders.

Auto 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, drivers with bad credit will often be forced to pay more.

Looking at Secura and Travelers specifically, which one has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a pretty big impact on your monthly car insurance cost. Generally, those who drive fewer miles will end up with cheaper prices since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Secura offers less expensive premiums than Travelers. Travelers's average rates for drivers with 6,000 annual miles come in just under 15% more expensive than Secura. Those who drive 12,000 miles each year can expect to pay over 10% more with Travelers over Secura.

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

Where you call home can play a substantial role in how much you pay for insurance. Normally, those who live in rural areas will pay less than drivers in urban areas because of the small number of vehicles that are on the roads in those areas.

Looking at these carriers side-by-side, Secura boasts the most affordable average premiums in urban and suburban areas, while Travelers wins in rural areas.

If you live in a rural area, you can expect to save around $3 with Travelers compared to Secura. Drivers in suburban ZIP codes pay about $23 less with Secura compared to Travelers. In urban areas, SECURA Insurance's average prices are around $43 less than Travelers.

Secura vs. Travelers Discounts

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

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

In the section below, we've taken a look at all of the different discounts Secura and Travelers offer their customers so that you can see which carrier can save you the most money each month.

Travelers knocks Secura out of the park when it comes to the sheer number of discounts available, offering six more discounts than Secura.

Both companies offer several of the same discounts -- like anti-theft discounts, distant student discounts, discounts for being a good driver, and hybrid vehicle discounts -- but Travelers also offers ABS discounts, alternative fuel discounts, continuous insurance discounts, and more that Secura does not.

On the flip side, Secura has a couple unique discounts of its own -- low income discounts, pip discounts, policy transfer discounts, and more.

Final Thoughts: Is Secura or Travelers Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've broken down the different discounts each carrier offers, too. That's all well and good, but at the end of the day, is Secura or Travelers the right company for you and your specific profile and needs?

Secura might be best for you if....

• You have received a ticket within the last few years.
• You live in an suburban area.
• You are over 65 years old and want to save some money on your insurance.

Travelers might be best for you if...

• You have a DUI charge on your record.
• You're looking for the company with the most discounts.
• Your neighborhood is in a rural area.

We hope this guide helps you get a better idea of the difference between Secura and Travelers and that it aids in making a more informed decision about your car 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 carriers, not just Secura and Travelers. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Secura vs. Travelers FAQs

Is Secura or Travelers cheaper?

Looking just at the national average premiums, Secura is the more affordable of the two carriers, offering average rates of $146 a month compared to $167 for Travelers. That being said, Secura won't necessarily be the cheapest carrier for every driver, since there are a range of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Secura or Travelers?

Unfortunately, the real answer is "it depends.". Neither company is necessarily "better" for each driver -- it all depends on the makeup of your unique car insurance profile.

Why do Secura and Travelers offer me different rates?

Insurance companies take a look at many different variables when calculating the rates they charge policyholders. Things like age, gender, your driving record, where your home is, and sometimes even things like your credit score can all come into play. Both Secura and Travelers calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the auto 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, 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 insurance carriers in your area. With those, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be Secura or Travelers 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.