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

Quick Facts

• Based on national averages for auto insurance, West Bend Mutual offers less expensive rates than Secura
• Secura offers cheaper average prices for drivers who have an at-fault accident on their record
• West Bend Mutual tends to be a much more affordable option for couples purchasing insurance together

Secura vs. West Bend Mutual: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Secura or West Bend Mutual as your top options, but which one has less expensive rates for car insurance?

Looking at nationwide averages, West Bend Mutual is about $15 per month cheaper than Secura.

Even so, that doesn't necessarily mean West Bend Mutual will be the more affordable option for each driver. Auto insurance companies vary their prices depending on things like how clean your driving record is, where you live, how old you are, how good your credit score is, and a ton of other factors. So, at the end of the day, premiums from each carrier will differ quite a bit from person to person.

Wanting to know if Secura or West Bend Mutual 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.

Secura or West Bend Mutual: Average Car Insurance Rates by State

Secura and West Bend Mutual only compete against each other in one states, with Secura offering less expensive rates to the average driver in all of them. Wisconsin has the most noticable difference, where Secura premiums are over 20% cheaper than insurance prices at West Bend Mutual.

There are plenty of other factors that go into your car insurance payment than just where you live. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any group on the road. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. As you can see above, teens who use Secura save more than $15 a month compared to those who use West Bend Mutual.

However, both carriers will reduce prices once you turn 25. For example, average rates for Secura policyholders decrease over 55% and West Bend Mutual's premiums lower more than 65% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable car insurance prices 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.

When looking at Secura and West Bend Mutual specifically, which carrier is best for retired drivers? West Bend Mutual gets the edge here, with average premiums coming in at around $92 monthly compared to Secura's $111.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more affordable for married couples than they are for single policyholders. That's normally because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, the two companies are comparable for single drivers, with rates only differing about $7 per month, on average. But for married policyholders, the advantage is clear - West Bend Mutual has the edge when it comes to average premiums.

Secura vs. West Bend Mutual: Average Rates by Gender

You may not know, but car insurance is generally more expensive for men than for women. This is because men are more likely to get speeding tickets and get into collisions, which increases the chances of an insurance claim.

Usually, women see prices around 2% a month less with Secura, and over 10% less with West Bend Mutual when compared to their male counterparts.

Looking at overall affordability, West Bend Mutual comes out as the cheapest option for both genders, with average rates 5% less for men and 15% cheaper for women.

Secura or West Bend Mutual: 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.

Auto insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy.

But most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

In this case, Secura offers the lowest average premiums for state minimum limits for liability insurance, while West Bend Mutual 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 about $35 cheaper with West Bend Mutual Insurance.

Is Secura or West Bend Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Accidents and tickets will most likely raise your rates, but is Secura or West Bend Mutual more affordable 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 West Bend Mutual typically raises prices around $25 a month, on average.

Even so, West Bend Mutual is usually the less expensive option for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are 3% and 11% more affordable, respectively, compared to SECURA Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault collision with West Bend Mutual increasing by just under $80. Secura has a less extreme rise, but you can still expect to pay over $40 more than you were prior to your first accident.

Overall, the cheaper prices come from Secura, with monthly rates averaging $129 compared to West Bend Mutual Insurance's $163.

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 insurance bill -- typically a lot more than a collision or ticket. On average, Secura will climb your prices about 64% after a DUI, while West Bend Mutual's average premiums increase by over 50%.

If you have a DUI on your record and are looking for more affordable prices, West Bend Mutual tends to be the much less expensive option with average rates of $169 per month compared to $244 from Secura.

How does Credit Score Impact Secura and West Bend Mutual Rates?

Often times, your credit score can come into play when companies calculate 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 specifically at West Bend Mutual and Secura, which company has the cheapest premiums 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 West Bend Mutual 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 pretty big impact on your monthly car insurance bill? Normally, those who drive less will end up with cheaper prices since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much West Bend Mutual charges. However, there's a small difference in monthly rates for Secura, with drivers who put 6,000 miles on their vehicle every year paying around $5 less each month compared to those who drive 12,000 miles annually. Still, West Bend Mutual is the less expensive option for drivers in both categories.

Secura vs. West Bend Mutual: 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. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

When comparing these two carriers side-by-side, West Bend Mutual typically comes out as the most affordable option 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 save about $26 with West Bend Mutual compared to Secura. Drivers in suburban ZIP codes pay around $15 less with West Bend Mutual compared to Secura. In urban areas, West Bend Mutual Insurance's average rates are about $3 less than SECURA Insurance.

Secura vs. West Bend Mutual 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, and the best way to do that is by utilizing as many auto insurance discounts as you can.

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

In the section below, we've compared all of the different discounts offered by Secura and West Bend Mutual so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Overall, Secura comes out ahead with 19 discounts to West Bend Mutual's 16.

Both companies offer many of the same discounts -- like anti-theft discounts, distant student discounts, discounts for being a good student, and multi-policy discounts -- but Secura also offers advance quote discounts, hybrid vehicle discounts, low income discounts, and more that West Bend Mutual does not.

On the flip side, West Bend Mutual has a couple unique discounts of its own -- ABS discounts, advanced safety feature discounts, excess vehicle discounts, and more.

Final Thoughts: Is Secura or West Bend Mutual Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. But, at the end of the day, which insurance company is the best fit for you?

West Bend Mutual might be best for you if....

• You have a clean record.
• Your credit score is high.
• Your neighborhood is in a rural area.

Secura might be best for you if...

• You're looking for discounts -- Secura has the most.
• You want basic car insurance coverage at the state minimum limits.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

We hope this guide has ben a valuable resource as you compare Secura and West Bend Mutual and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just Secura and West Bend Mutual. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Secura vs. West Bend Mutual FAQs

Is Secura or West Bend Mutual cheaper?

Looking just at the national average premiums, West Bend Mutual is the more affordable of the two companies, offering average rates of $131 per month compared to $146 for Secura. However, West Bend Mutual won't necessarily be the lowest carrier for every policyholder, 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 West Bend Mutual?

Sadly, the answer truly is "it depends.". No single company is "better" for each driver -- it all depends on the makeup of your unique insurance profile.

Why do Secura and West Bend Mutual offer me different rates?

Car insurance carriers take a look at quite a few different variables when calculating the prices they charge drivers. Things like where you live, where your home is, gender, age, and sometimes even things like your credit score can all come into play. Both Secura and West Bend Mutual calculate rates using different factors, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from several different companies.

How do I know if Secura or West Bend Mutual is right for me?

The only way to find the auto insurance company 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 area information and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Secura or West Bend Mutual 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.