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

Quick Facts

• Looking at the national averages for auto insurance, Secura offers slightly more affordable rates than Western National
• Secura tends to be a much cheaper option for people who are single and purchasing insurance by yourself
• Western National has less expensive prices for drivers with a DUI charge on their record

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

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

You've maybe even narrowed your search down to Secura or Western National as potential options, but which carrier will offer you cheaper premiums?

As you can see, Secura is about $8 per month less expensive than Western National when looking at the national average rates for auto insurance.

But Secura may not be the lowest or best option for every single driver out there. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your age, where you call home, or even your driving record (among other things). So, at the end of the day, rates from every carrier will differ quite a bit from person to person.

Wanting to know if Secura or Western National 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 Western National: Average Car Insurance Rates by State

Secura and Western National only compete against each other in one states, with Secura offering more affordable rates to the average driver in all of them. Wisconsin has the most noticable difference, where Secura prices are over 70% less expensive than auto insurance premiums at Western National.

There's a lot more that goes into your insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. It's typically because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use Western National save $5 a month compared to those who use Secura.

However, both carriers will reduce rates by the time drivers turn 25. For example, average premiums for Secura policyholders decrease more than 55% and Western National's prices lower nearly 50% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates you'll ever find.

But who has the best premiums for retired drivers between Secura and Western National? Western National gets the slight edge here, with average prices coming in at around $109 per month compared to Secura's $111. Even so, the difference is only about 5%, so other factors (such as your driving record is or your credit score) will likely come into play when determining which carrier has the most affordable premiums for you.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are generally more expensive for single policyholders than they are for married policyholders? That's usually because married couples tend to own and insure more than one car, which can often earn you a discount.

If you're in the market for auto insurance, Secura tends to have the cheapest average prices regardless of marital status, with prices around 3% cheaper for single drivers and almost 10% more affordable for married drivers.

Secura vs. Western National: Average Rates by Gender

Because men are more likely to get into accidents and get tickets, they run a larger risk of filing a claim with insurance. Therefore, insurance companies will often charge men more than women.

On average, men see rates about $3 per month higher with Secura, and nearly $15 with Western National.

When it comes to the most affordable premiums for each gender, Secura comes out as the lowest option for both genders. On average, women save about $3 a month and men save around $14 with Secura compared to the average Western National policyholder.

Secura or Western National: 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.

Car insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different coverages and terms 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 (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

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

Is Secura or Western National Better for Drivers with Spotty Records?

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

It's no secret secret that tickets and at-fault accidents lead to higher rates, but which company -- Secura or Western National -- has the cheapest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Western National car insurance policies don't report seeing their prices increase after getting a ticket, but Secura policyholders can expect to see their monthly bill increase by around 30%.

But Secura has cheaper rates for drivers in both categories -- their rates are around 44% more affordable for drivers with clean records and 21% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will increase premiums pretty significantly if you get into an at-fault accident with Secura climbing by over $40. Western National has a less extreme climb, but you can still expect to pay $0 more than you were prior to your first collision.

Overall, drivers who use Secura end up with the cheaper prices after an accident, with monthly rates averaging $129 compared to Western National Insurance Company's $154.

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 ticket when it comes to your insurance bill. For example, Secura increases average prices by more than $150 per month -- that's just under a 65% increase.

If you have a DUI on your record and are looking for more affordable premiums, Western National tends to be the much more affordable option with average rates of $154 monthly compared to $244 from Secura.

How does Credit Score Impact Secura and Western National Rates?

You may not have known, but your credit score can be used as one of the variables to calculate your monthly car insurance prices. Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for many drivers.

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.

Looking specifically at Secura and Western National, which one has the lowest premiums for drivers 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 Western National 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 large impact on your monthly auto insurance bill? That's because the more miles you put on your vehicle, the more likely you are to get into a collision and cause 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 cheaper rates than Western National. Western National's average prices for drivers with 6,000 annual miles come in about 6% more expensive than Secura. Those who drive 12,000 miles annually can expect to pay around 5% more with Western National over Secura.

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

Where your home is can play a pretty big role in how much you pay for insurance. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer cars on the roads in those areas.

Secura boasts the cheapest average prices in rural and urban areas, while Western National wins in suburban areas.

If you live in a rural area, you can expect to pay about $139 a month with Secura compared to Western National's $158. People in suburban areas pay a monthly price of around $127 with Western National compared to $137 with Secura. For drivers in urban ZIP codes, Secura's average premiums are about $161 while Western National offers prices around $177.

Secura vs. Western National Discounts

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

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the table below, we've compared all of the different discounts offered by Secura and Western National so that you can find the company that has the most discounts and, therefore, the biggest savings.

Secura blows Western National away when it comes to the sheer amount of discounts available, offering 19 different discounts to Western National's 12.

Both carriers offer many of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and discounts for insuring multiple cars with the same company -- but Secura also offers advance quote discounts, good driving discounts, group discounts, and more that Western National does not.

On the flip side, Western National has a couple unique discounts of its own -- corporate discounts, COVID-19 relief discount, discounts for getting driver training, and more.

Final Thoughts: Is Secura or Western National Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts companies offer. But, at the end of the day, is Secura or Western National the right fit for you?

Secura might be best for you if....

• You want to save money on your insurance after an accident.
• You're looking for more protection with "full coverage" car insurance.
• You and your spouse are buying auto insurance together.

Western National might be best for you if...

• You have a DUI charge on your record.
• You want basic insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your auto insurance.

We hope this guide helps you get a good idea of the differences between Secura and Western National 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 Western National. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Secura vs. Western National FAQs

Is Secura or Western National cheaper?

Looking just at the national average rates, Secura is the less expensive of the two carriers, offering average rates of $146 a month compared to $154 for Western National. That being said, Secura won't necessarily be the lowest carrier for each driver, since there are a variety of different variables that are considered when it comes to your auto insurance payment.

Who is better, Secura or Western National?

Sadly, the only answer we can give you is "it depends.". One company is not "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, Secura offers cheaper premiums for single policyholders, while Western National is more affordable for drivers who have already retired.

Why do Secura and Western National offer me different rates?

Auto insurance companies take a look at quite a few different factors when calculating the prices they charge drivers. Variables like where you call home, age, gender, where you park your vehicle, and sometimes even things like your credit score can all be used. Both Secura and Western National calculate rates differently, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from several companies 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 auto insurance carriers in your area. With those, you can guarantee you're getting the lowest rate. And who knows, the best carrier for you might not be Secura or Western National 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.