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

Quick Facts

• In general, Trustgard Auto offers slightly more affordable rates than Secura
• Secura offers cheaper average prices for people who are single and purchasing auto insurance by yourself
• Trustgard Auto tends to be a much less expensive option for residents of urban areas

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

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

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

Looking at nationwide averages, Trustgard Auto is about $9 per month more affordable than Secura.

That being said, that doesn't mean Trustgard Auto will necessarily be cheaper than Secura for every driver. Insurance companies vary their rates depending on things like how clean your driving record is, how good your credit score is, where you live, how old you are, and a ton of other factors, so prices will change quite a bit from person to person.

So, if you want to find out which of Secura or Trustgard Auto is really the best for you, keep reading to see average premiums for each carrier broken down by lots of different rate factors.

Secura or Trustgard Auto: Average Car Insurance Rates by State

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

There's a lot more that goes into your car insurance payment than just your home state. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any other group of drivers out there on the road. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. For example, 18-year-old drivers pay an average of more than $45 less a month by choosing Secura over Trustgard Auto.

Even so, with both carriers, you'll see your rates decrease significantly once you turn 25. For example, average prices for Secura policyholders reduce over 55% and Trustgard Auto's premiums drop nearly 70% over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates out there.

So, which company offers the best prices to retired drivers? Trustgard Auto gets the edge, with premiums for drivers 65 and older almost 15% cheaper than the national average for Secura.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive auto insurance rates than married couples. This usually boils down to married drivers having several cars on their policy -- something many car insurance companies will reward with discounts.

When it comes to relationship status, the two carriers are comparable for single drivers, with prices only differing around $1 per month, on average. But for married policyholders, the advantage is clear - Trustgard Auto has the edge when it comes to average premiums.

Secura vs. Trustgard 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 usually end up paying more for insurance than women.

Typically, men see rates about $3 a month higher with Secura, and nearly $10 with Trustgard Auto.

When it comes to the cheapest prices for each gender, Trustgard Auto offers the most affordable average rates for both men and women, with average premiums $5 less for men and $11 cheaper for women.

Secura or Trustgard 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.

For most people, car insurance isn't the easiest topic to understand. There are so many different terms and limits that it can make it pretty confusing to find the right policy.

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

In this case, Secura offers the cheapest average prices for state minimum liability limits, while Trustgard Auto has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $10 with SECURA Insurance, while full coverage comes out to be around $25 less expensive with Trustgard Auto Insurance.

Is Secura or Trustgard Auto 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.

It's no secret secret that accidents and tickets lead to higher rates, but which carrier -- Secura or Trustgard Auto -- has the lowest prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Secura policyholders can expect their premiums to go up an average of $35 per month if they get a ticket, while Trustgard Auto normally raises rates about $50 a month, on average.

But Secura tends to offer the best prices for drivers both with a speeding ticket and with a clean record, offering prices that are $11 and $26 more affordable, respectively, compared to Trustgard Auto Insurance.

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 car insurance premiums. Drivers who use Trustgard Auto for their auto insurance will see a monthly bill around $35 (or 26%) more expensive after reporting an accident to their insurance company.

Overall, the cheaper prices come from Secura, with monthly premiums averaging $129 compared to Trustgard Auto Insurance's $133.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than a collision or ticket. Secura drivers usually see a 64% raise in their car insurance rates after a DUI charge, while Trustgard Auto will usually increase premiums by about 43%.

If you have a DUI on your record and are looking for more affordable rates, Trustgard Auto tends to be the much less expensive option with average prices of $171 a month compared to $244 from Secura.

How does Credit Score Impact Secura and Trustgard Auto Rates?

Did you know that many insurance companies take into account your credit score when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for a lot 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 Trustgard Auto specifically, which one has the most affordable rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Trustgard Auto. Drivers with "excellent" credit can save just under 10% compared to Secura, and those with "good" scores can also expect to see savings -- around $5 or 4% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Trustgard Auto typically offers lower prices than Secura when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $8 per month less with Trustgard Auto compared to Secura, and those with "poor" scores normally save an average of around $9 per month.

Is Secura or Trustgard 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 car insurance carriers will charge for coverage. That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

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

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

Where you park your vehicle can play a sizable role in how much you pay for insurance. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Trustgard Auto boasts the most affordable average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in suburban ZIP codes see the lowest rates from both companies, but Trustgard Auto comes out on top with average premiums around $132 monthly. Trustgard Auto also has less expensive average prices for drivers in urban and rural ZIP codes -- a 9% and 4% a month respective difference when compared to Secura policyholders in similar areas.

Secura vs. Trustgard Auto Discounts

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

But with what seems like a million different discounts out there, it can be difficult to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

In the table below, we've taken a look at all of the different discounts Secura and Trustgard Auto offer their customers so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Secura comes out ahead with 19 discounts to Trustgard Auto's 16.

Both companies offer a lot of the same discounts -- like anti-theft discounts, distant student discounts, and discounts for being a good student -- but Secura also offers good driving discounts, hybrid vehicle discounts, low income discounts, and more that Trustgard Auto does not.

On the flip side, Trustgard Auto has a couple unique discounts of its own -- advanced safety feature discounts, company car discounts, COVID-19 relief discount, and more.

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

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which carrier is the best company for you, your vehicle, and your wallet?

Trustgard Auto might be best for you if....

• You have less-than-stellar credit.
• Your neighborhood is in a rural area.
• You've started working from home and don't have much of a commute.

Secura might be best for you if...

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You have an at-fault accident on your record.
• You want basic car insurance coverage at the state minimum limits.

We hope this guide helps you get a better idea of the difference between Secura and Trustgard Auto and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Secura and Trustgard Auto. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Secura vs. Trustgard Auto FAQs

Is Secura or Trustgard Auto cheaper?

Looking just at the national average premiums, Trustgard Auto is the cheaper of the two companies, offering average rates of $137 per month compared to $146 for Secura. That being said, Trustgard Auto won't necessarily be the cheapest company for each driver, since there are several different factors that are considered when it comes to your insurance bill.

Who is better, Secura or Trustgard Auto?

Sadly, the only answer we can give you is "it depends.". No one carrier is "better" for every driver -- it all comes down to what your unique car insurance profile looks like. For example, Secura offers less expensive rates for drivers with an at-fault collision on their record, while Trustgard Auto is more affordable for drivers who have less-than-stellar credit scores.

Why do Secura and Trustgard Auto offer me different rates?

Insurance carriers take a look at quite a few different variables when determining the prices they charge policyholders. Things such as your driving record, where your home is, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Secura and Trustgard Auto use different formulas, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the auto 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 does all the hard work for you. Just enter your ZIP code 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 rate. And who knows, the best company for you might not be Secura or Trustgard 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.