SECURA Insurance Review: Cost & Coverage
Editor's Rating
Drivers who purchase homeowners, renters or condo insurance in addition to auto coverage from SECURA will get the most out of a policy. SECURA Insurance offers a hybrid MILE-TONE package, which increases coverage while you pay only one premium.
The cost of car insurance at SECURA remains fairly affordable at every coverage level compared to the industry average, though it's never the most affordable provider. In fact, drivers with one previous accident on their record may find that SECURA Insurance gives them some of the best rates, even compared to larger providers.
Contact SECURA: 877-705-7589
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Cost of SECURA Insurance
SECURA car insurance is typically affordable, but it's not the cheapest coverage available for any coverage level.
For minimum coverage, the cost of SECURA Insurance, though affordable, is more expensive than larger providers with more policy features and better customer service, including Erie and American Family Insurance. Unless a shopper found that their rates markedly decreased with discounts from SECURA, they may find better car insurance elsewhere.
Shoppers who are comparing cheap rates for full coverage policies, including those who have had an accident in the past, are more likely to find more favorable rates with SECURA Insurance. Even so, Erie and State Farm continued to offer better rates than SECURA for these drivers.
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How does the cost of SECURA compare to other insurers?
Insurance provider | Minimum coverage | Full coverage | Full coverage with one accident |
|---|---|---|---|
| Erie | $101 | $633 | $747 |
| State Farm | $110 | $575 | $669 |
| American Family | $139 | $594 | $1,002 |
| SECURA | $142 | $775 | $950 |
| Progressive | $147 | $1,039 | $1,583 |
Companies are ordered by the cost of minimum coverage
Discounts available at SECURA Insurance company
SECURA Insurance offers a variety of discounts, but they're only available to people with MILE-STONE policies for their home and car. These people could save money by:
| Discount | Available |
| Bundling auto & umbrella policy | Yes |
| Good student (B average) | Yes |
| Hybrid car | Yes |
| Loyalty | Yes |
| New home (less than 10 years old) | Yes |
| Paid in full | Yes |
| Safe driver (3 years accident free) | Yes |
| Safety features | Yes |
SECURA Insurance coverage
Drivers who purchase MILE-STONE coverage for their home and car can get a few extra forms of insurance protection for their vehicles.
Drivers who want to purchase a home or renters policy can receive a few added features from SECURA Insurance's MILE-STONE package. SECURA's extra features aren't unique in the industry, but the insurer can still enforce policies for shoppers looking for:
Travel and medical assistance provides medical help if the insured is 100 or more miles from home and needs medical help or other emergency service.
Roadside assistance includes tire changes, lockout aid and towing services to stranded policyholders.
Identity theft protection helps victims of identity fraud and reimburses up to $25,000 in fees and other expenses.
Pet protector reimburses the policyholder for expenses if their pet is injured or killed in an accident at home or in a car.
Accident forgiveness waives the premium increase that would typically occur after an accident.
Auto glass repair and replacement refers the policyholder to a glass repair shop and pays to fix damage to the vehicle's windshield or windows.
Drivers who purchase car insurance from SECURA can also add comprehensive and collision to their standard policies. This endorsement protects the insured vehicle against damage that doesn't involve another driver — such as a falling tree or a single-vehicle crash.
SECURA home insurance coverage
Homeowners looking for home coverage from SECURA receive dwelling, liability and property coverage. Both of these coverages are included in nearly every home insurance policy. The MILE-STONE package gives property owners the protections outlined above.
Whether homeowners purchase the MILE-STONE Basic or Gold variety determines the maximum coverage they can receive for water damage and fine items such as jewelry.
SECURA Insurance reviews and ratings
SECURA Insurance receives far more complaints for its service than the median insurer, according to the National Association of Insurance Commissioners (NAIC). Most of the complaints stemmed from dissatisfaction regarding the insurer's claims settlements.
Unlike larger providers, SECURA Insurance wasn't included in J.D. Power's assessment of the car insurance industry. However, A.M. Best rated the insurer's credit rating as excellent, meaning that SECURA is unlikely to default on paying its claims or its other financial obligations.
Measurement | Result |
|---|---|
| NAIC Complaint Index | Much higher than expected |
| A.M. Best Financial Strength Rating | Excellent |
Methodology
For this review of SECURA Insurance, we gathered rates for varying levels of coverage using the profile of a 30-year-old man who drives a 2015 Honda Civic EX. We tested how the cost of car insurance changed by getting quotes for minimum and full coverage, as well as full coverage for someone with one prior accident. Our rates came from Wisconsin, where SECURA comprises a significant portion of in-force policies.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.