SECURA Auto Insurance Review [2024]

Delve into a comprehensive review of Secura Auto Insurance, uncovering competitive rates, coverage options, and insights into customer service to assist your decision-making process.

UPDATED: Dec 27, 2023Fact Checked

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Michael Vereecke

Commercial Lines Coverage Specialist

Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...

Commercial Lines Coverage Specialist

UPDATED: Dec 27, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Dec 27, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 27, 2023Fact Checked
no image available

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Secura

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Competitive rates
  • A.M. Best rating of A
  • Good customer service with few complaints

Cons

  • Limited customization options
  • Only available in 12 states

Final Verdict: Review of Secura

Secura offers two auto insurance packages to customers in 12 states. The company has competitive rates and has been rated an A by A.M. Best. However, the company offers fewer customization options than most competitors.

Knowing more about Secura Insurance will help you determine if the company is a good fit for your car insurance needs.

Before jumping into this Secura review, enter your ZIP code to find free auto insurance rates in your area.

[su_box title="The Lowdown" style="default"]
  • SECURA provides two auto insurance packages to customers
  • SECURA has fewer complaints than most competitors
  • SECURA has been rated an A by A.M. Best
[/su_box] SECURA offers two auto insurance packages to customers in 12 states. The company has competitive rates and has been rated an A by A.M. Best. However, the company offers fewer customization options than most competitors. Knowing more about SECURA Insurance will help you determine if the company is a good fit for your car insurance needs. Before jumping into this SECURA review, enter your ZIP code to find free auto insurance rates in your area.

What You Should Know About Secura

Insurance companies are regularly rated based on their financial strength. Credit rating agencies provide these ratings to indicate the company’s likelihood of providing a payout when customers file a claim.

Secura has been rated an A by A.M. Best, the most trusted credit rating agency. This rating is excellent and indicates that the company will provide a payout in most circumstances.

The Better Business Bureau (BBB) regularly rates companies based on their business practices. Secura has been rated an A+ by the BBB, the highest possible rating. This rating indicates that the company is transparent and trustworthy when dealing with customers.

Does Secura have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow insurance customers to list complaints on their websites. They also review complaints made about a company to provide detailed information on its customer service.

At the time of this review, the BBB has received only four complaints about Secura Insurance during the past three years. Three of the complaints were about billing, and the other was regarding delivery issues.

According to the NAIC, Secura has only received seven complaints and has a complaint index ratio of 0.71. These numbers indicate that the company has far fewer complaints than insurance companies of a similar size.

The numbers provided by the BBB and the NAIC show customers that they can expect quality customer service. However, reading through individual complaints will help you determine if the grievances should concern you.

How can you file a claim With Secura?

Secura allows customers to file a claim online or by phone, email, or fax. The best way to file a claim depends on your most comfortable form of communication. Those preferring to file a claim online can do so by filling out an online claim form on the Secura website.

The company also provides two numbers if customers want to file a claim over the phone. Policyholders in the eastern or central time zones can call the Secura claims phone number at 1-800-318-2136. Those in the mountain time zone can call 1-866-356-7870.

Filing a claim online or by phone is the most common method, but Secura allows customers to file by email or fax. The Secura claims department can be reached by email at [email protected] or fax at 1-800-318-2209.

What is Secura Insurance available?

As previously mentioned, Secura auto insurance is currently only available in 12 states. These states include:

  • Arizona
  • Colorado
  • Iowa
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Michigan
  • Minnesota
  • Missouri
  • North Dakota
  • Wisconsin

Drivers in these states can find independent agents that can help them find the best package for their auto insurance needs.

Who should purchase Secura coverage?

Secura auto insurance is a good option for many customers, but not for everyone. Drivers that should buy Secura auto insurance include those looking to bundle home and auto insurance or those who want to reduce the cost of coverage with discounts.

However, Secura is not a good option for drivers who desire to customize their coverage. The company also provides coverage in a limited number of states, so most drivers in the United States are ineligible based on location.

What is the Secura company history?

Secura was founded in 1900 in Seymour, Wisconsin, by Julius Bubolz. Originally named the Farmers Home Mutual Hail, Tornado, and Cyclone Insurance Company, it remains a mutual insurance company represented by more than 550 independent agents.

Secura Insurance Coverage Options

Most car insurance companies offer a la carte coverage, allowing policyholders to choose which coverages they prefer. Instead of a la carte insurance, Secura offers two unique coverage packages.

Despite not offering a la carte insurance, Secura provides standard auto insurance options. The following table shows the typical types of car insurance that you can find from Secura.

SECURA Auto Insurance Coverages
Auto Insurance TypesPurpose of Coverage
Bodily injury liabilityPays for medical bills if someone else suffers an injury in an accident caused by you.
CollisionCovers damage to your car after an accident.
ComprehensiveCovers damage to your car when you’re not driving.
Property damage liabilityLiability coverage that covers the cost of any property damage you’ve caused in an accident.
Uninsured/underinsured motoristCovers the costs if you’re in an accident caused by a driver with little or no car insurance.

Where Secura differs from other companies is in its Mile-Stone packages. The company offers customers two different plans. The following table shows the unique groups of coverage provided in these packages.

SECURA Auto Insurance Mile-Stone Package Coverages
Coverage TypeCoverage Description
Traveler RescuerProvides emergency assistance, including travel and medical assistance.
Roadside RescuerProvides roadside assistance, including tire changes, lockout service, and towing.
Identity Theft ProtectionReimburses for recovery expenses.
Pet ProtectorReimburses for treating an injured pet or replacing a pet after death in your home or car.
Accident ForgivenessRates don’t increase after one accident.
Glass ExpressRepairs or replaces damaged windshields and windows.

The Mile-Stone Gold package is the most comprehensive option for customers. This all-inclusive plan includes all of the coverages shown in the table above.

The Mile-Stone Basic plan is cheaper, only including Roadside Rescuer and Identity Theft Protection. However, customers can add some of the other coverages. Adding options not included in the basic plan will increase Secura auto insurance quotes.

In addition to auto insurance, Secura offers various other types of coverage, including business, renters, and home insurance.

Secura: The Bottom Line

Secura differs from most insurance companies by offering two packages of coverage. The company provides the standard auto coverages but lacks customizability. However, Secura has been rated an A by A.M. Best and has fewer complaints than most competitors.

Learning more about Secura auto insurance will help you decide if the company is right for you.

Now that you know about Secura auto insurance, enter your ZIP code to get free car insurance quotes in your area.

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

Secura Insurance Rates Breakdown

Driver ProfileSECURA AutoNational Average
Clean Record$67$119
1+ Ticket$104$147
1+ Accident$125$173
DUI$208$209
Poor Credit$115$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

The cost of coverage is a common concern among auto insurance customers. Insurance companies use various factors to determine the risk of applicants, and riskier drivers will experience higher rates. Some of the factors that companies consider include:

  • Age
  • Gender
  • Driving record
  • Credit score
  • Location

Since several factors go into rates, it’s impossible to estimate the cost of coverage without knowing about the driver. However, comparing the average rates of different insurance companies will help you determine the most cost-effective option.

The following chart shows the average annual rates for full coverage and minimum coverage from Secura and other companies in Illinois.

SECURA Auto Insurance Average Annual Full Coverage and Minimum Coverage Rates vs. Other Companies in Illinois
CompanyAverage Annual Minimum Coverage RatesAverage Annual Full Coverage Rates
AAA$1,103$3,772
Allstate$416$1,637
American Family$1,038$2,598
Farmers$460$1,100
Geico$267$928
Nationwide$362$1,098
Progressive$525$1.299
SECURA$282$905
State Farm$316$935
Travelers$402$916

As you can see, the average affordable Secura auto insurance rates are lower for minimum coverage and full coverage than most competitors.

Secura Discounts Available

DiscountsSECURA Auto
Anti Theft8%
Good Student13%
Low Mileage10%
Paperless5%
Safe Driver18%
Senior Driver8%

While Secura has lower rates than many competitors, they can still be high depending on your history and lifestyle. Like most insurance companies, Secura provides various discounts that can lower the cost of coverage.

The Secura auto insurance company discounts depend on various aspects of a driver’s life, like driving habits, schooling, and vehicles. The following table shows some of the saving opportunities offered by Secura.

SECURA Auto Insurance Discounts
Auto DiscountDiscount Eligibility
Hybrid carDriving a hybrid vehicle.
Good studentDrivers between the ages of 16 and 24 and enrolled full-time in school maintain a 3.0 grade point average.
Claim/violation-freeAvoid traffic citations and violations.
Select payPay in full or set up automatic electronic fund transfer (EFT).
Good creditDriver has a good credit score.
LoyaltyInsured maintains its policy with SECURA over an extended period.
New homeInsured owns a home that’s less than 10 years old.
Safety featuresCar has factory-installed safety features.

Secura provides many of the standard discounts you’ll find with many competitors. When inquiring about coverage, ask about all discounts to ensure that you get the best possible price.

How Secura Ranks Among Providers

In the realm of auto insurance, Secura operates among several prominent competitors. Understanding the landscape of these companies provides a comprehensive view of available options in the market. Secura competes with entities that similarly offer diverse coverage options, competitive rates, and robust customer service.

  • State Farm: Known for its extensive network of agents and a wide array of insurance products, State Farm stands as one of Secura’s primary competitors in the auto insurance sector.
  • Allstate: Renowned for its customizable coverage plans and innovative digital tools, Allstate remains a significant contender in the industry, often competing directly with Secura.
  • Progressive: Recognized for its user-friendly online platform and dynamic pricing structure, Progressive competes with Secura, particularly in providing accessible insurance solutions for various driver profiles.
  • Geico: Celebrated for its competitive pricing strategies and customer-focused approach, Geico stands as a formidable competitor, challenging Secura in terms of customer satisfaction and pricing.
  • Farmers Insurance: With a diverse range of coverage options and a strong agent network, Farmers Insurance competes with Secura by offering personalized insurance solutions.

Navigating the insurance market involves considering several options, and Secura contends with established competitors renowned for their diverse offerings and customer-centric approaches. Understanding the strengths and unique propositions of these competitors helps customers make informed decisions when selecting an auto insurance provider.

Effortless Claims Process With Secura

Ease of Filing a Claim

Secura offers multiple methods to file a claim, including online submission, phone, email, or fax. Customers can choose the most convenient method for them.

Average Claim Processing Time

Information regarding the average claim processing time with Secura is not explicitly mentioned in the review.

Customer Feedback on Claim Resolutions and Payouts

The review highlights that Secura has received minimal complaints according to the Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC). The low complaint index ratio indicates quality customer service. However, individual complaint details can provide insights into specific grievances.

Secura’s Advanced Digital and Technological Features for Seamless Customer Experience

Mobile App Features and Functionality

The review doesn’t explicitly delve into specific features of Secura’s mobile app. More details on its functionalities like policy management, claims tracking, or emergency assistance could be beneficial.

Online Account Management Capabilities

The review doesn’t extensively discuss online account management capabilities. Information on account management tools, bill payment, or policy adjustments through their website would be valuable.

Digital Tools and Resources

The review doesn’t elaborate on digital tools provided by Secura. Details on educational resources, online calculators, or risk assessment tools could be helpful for potential customers.

Frequently Asked Questions

What rating agencies have evaluated Secura Auto Insurance, and what do their ratings signify?

Secura Auto Insurance has been evaluated by A.M. Best, receiving an “A” rating, indicating excellent financial strength and a high likelihood of providing payouts in most circumstances. Additionally, the Better Business Bureau (BBB) has awarded Secura an “A+” rating, signifying transparent and trustworthy business practices.

How does Secura handle customer complaints, and what are the complaint statistics?

According to the BBB and the National Association of Insurance Commissioners (NAIC), Secura has received minimal complaints. The BBB recorded only four complaints in the past three years, mainly related to billing and delivery issues. Meanwhile, the NAIC reported seven complaints, showcasing a significantly lower complaint index ratio compared to similar-sized insurance companies.

What coverage options does Secura provide, and what sets it apart from other insurance companies?

Secura offers two distinct coverage packages, Mile-Stone Gold and Mile-Stone Basic, instead of the traditional a la carte options. The Mile-Stone Gold package includes comprehensive coverage, while the Mile-Stone Basic plan offers limited coverage. Secura’s uniqueness lies in its package-based approach rather than customizable a la carte options.

What methods are available to customers for filing claims with Secura?

Secura offers multiple methods for customers to file claims, including online submission through their website, phone calls, emails, or fax. Policyholders can choose their preferred method for filing claims, catering to individual communication preferences.

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Michael Vereecke

Commercial Lines Coverage Specialist

Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...

Commercial Lines Coverage Specialist

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption