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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
SECURA Insurance Companies has been in business for more than 120 years. In October 2023, it announced it would no longer offer policies for personal lines of insurance (e.g., auto and home insurance) and completely exit the market by the end of 2025.
If you’re a current customer, you may be wondering if you should exit your policy early. This article examines this question and how SECURA fares in terms of customer service and claims satisfaction. Plus, we compare SECURA with some of the best car insurance companies to help you when you’re ready to switch.
By the end, you should have a comprehensive view of the company and a clear idea of whether you want to switch your policy or stay to the end.
To get a broad view of SECURA’s performance, here’s how the company scores across five key metrics most important to customers. We measured each category on a scale of one to five, with the results shown in the table below.
Category | Score |
|---|---|
| Cost | 4.3/5 |
| Customer satisfaction | 5/5 |
| Ease of use | 2/5 |
| Availability | 1.3/5 |
| Industry reputation | 3.3/5 |
| Overall Score* | 3.75/5 |
Not only do customers usually save money with SECURA, but they also seem to love working with the company. With a dedicated customer service team and strong financial rating, SECURA can pay claims promptly.
SECURA trails its competitors in terms of technology — the company has a limited website and no mobile app. As it exits the auto insurance industry, current policyholders must carefully weigh alternatives to find equal coverage for a great price.
SECURA has limited reviews online, possibly due to the company’s small size. It earns 4.08 stars out of 5 on Clearsurance and 1 out of 5 stars on the Better Business Bureau (BBB). But don’t let that scare you; BBB reviews are low for many insurance companies.
Positive reviews mention low rates and great customer service. The two customers below had great experiences and were happy with the insurer’s coverage pricing.
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Negative reviews mention a crummy claims experience (see our claims review section below for more information) or unexpected rate increases. For example, the reviewer below felt duped by the company when their policy rate shot up at renewal.
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One thing to note is that the company often replies to reviews. I also noticed some claims reviews detailing a poor experience due to misunderstanding how claims work. For example, a customer was upset when advised not to file a small claim due to the associated rate increases. This is solid advice that rings true across the industry.
Car insurance companies calculate rates using different formulas, so side-by-side comparisons are crucial. Factors like age, location, driving history, and insurance coverage options will affect your policy costs.
Let’s look at how SECURA’s rates change based on common driver profiles and how they compare to the national average rates for that driver type.
Driver/ Coverage Characteristics | SECURA’s Average Monthly Rate | National Average Monthly Rate | Average Monthly Savings* |
|---|---|---|---|
| All drivers | $146 | $205 | $59 |
| Liability coverage | $69 | $117 | $48 |
| Full coverage | $223 | $293 | $70 |
| Teens | $312 | $471 | $159 |
| Seniors | $112 | $155 | $43 |
| Recent speeding ticket | $123 | $187 | $64 |
| Recent at-fault accident | $129 | $212 | $83 |
| Recent DUI | $245 | $282 | $37 |
| Poor credit | $180 | $298 | $118 |
We found that rates across all driving profiles are lower than average with SECURA. Teens and drivers with poor credit can get an amazing deal from SECURA, with an average annual savings of $1,908 and $1,416, respectively. Among driving histories, drivers with a previous car accident earn the largest average savings of $996 per year.
With that in mind, it’s a good idea to consider how SECURA compares to other insurers. Let’s take a closer look.
It’s impossible to know whether a car insurance company is the best option for you without comparing multiple competitors. The table below shows how SECURA’s rates and ratings compare to the nation’s leading insurance companies.
Company | Compare.com Rating | Average Monthly Rate |
|---|---|---|
| SECURA | 3.75/5 | $146 |
| GEICO | 4.65/5 | $186 |
| Progressive | 4.73/5 | $181 |
| State Farm | 4.90/5 | $158 |
SECURA scores higher than GEICO in terms of customer satisfaction and earns similar scores for low costs. But GEICO has more robust technology features for you to access (including a great mobile app) and is highly regarded in the industry.
State Farm is a large company that feels like a smaller one due to its local agents. Its customer satisfaction levels are lower than SECURA’s, but State Farm has scores better for ease of use and has a stronger reputation, great discount opportunities, and robust coverage options.
SECURA fares better with customer service than Progressive, but Progressive’s rates are lower than average, and it has far more discount options. Plus, Progressive offers 24/7 customer service.
If you don’t like working with a large insurer, the personalized touch of a regional insurer may be a better option for you. Texas Farm Bureau, Erie Insurance, and Auto-Owners are excellent options, and they all score higher for customer satisfaction and offer competitive rates.
You can file a claim with SECURA in three ways: online, with your local agent, or with a claims representative over the phone. Once submitted, an adjuster reviews the damage so the company can issue payment.
SECURA has mixed reviews when it comes to claims processing. I found many reviews where the customer had no issues getting their claim processed and paid. Both of the customers shown in the screenshots below experienced excellent communication throughout the process.
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But quite a few reviews — such as the two below from the BBB — say something to the effect of “worst claims experience ever.”
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Founded | 1900 |
|---|---|
| Available in | 13 states |
| Owned by | Secura Holdings, Inc. Mutual Insurance Company |
| National average premium | $146 per month |
| Mobile app | None |
| Customer service | 1 (800) 558-3405 |
| Claims | CT/ET: 1 (800) 318-2136 MT: 1 (866) 356-7870 |
| Primary competitors | Auto-Owners, Country Financial, Erie, The Hartford |
Though SECURA no longer issues personal lines of insurance, it will continue to offer a wide range of commercial insurance policies, including the following.
Farm property
Farm liability
Farm auto
Farm umbrella
Farm workers’ compensation
Commercial auto
Commercial liability
Commercial property
Cyber security
Business owners policies
Director and officers (D&O)
Employment practices liability (EPLI)
Errors and omissions (E&O)
Inland marine
Workers’ compensation
The company also offers related products and services, including identity theft protection and Travel Rescuer for emergencies while traveling.
Despite SECURA’s long history, people still have questions about it. Here are answers to the most common questions people have about the company.
Yes. SECURA offers cheaper-than-average rates for most driving profiles and offers the greatest potential savings for teens and drivers with poor credit, according to Compare.com data. The average SECURA customer pays $146 per month for car insurance.
Yes, SECURA Insurance Companies is a legit property and casualty insurance company. It earns an A+ from the Better Business Bureau (BBB) and an A+ (Excellent) rating from AM Best, signaling its reliability and strong financial performance.
Yes. SECURA offers affordable premiums and exceptional service from dedicated employees. In addition, the company earns a lower-than-average number of customer complaints compared to insurers of a similar size.
No, SECURA Insurance doesn’t have a mobile app for iOS or Android.
Rating Methodology:
Compare.com’s mission is to help our readers make more informed decisions about their personal finances. Our editorial staff has crafted a proprietary, objective rating formula — the Compare.com Rating — to make it easier for our readers to analyze and compare many of the industry’s most well-known insurers. The score you see referenced in this article is based on several factors, including:
Cost: How the insurer’s average rates compare to its direct competitors and the industry as a whole. This includes available savings opportunities, such as discounts and other factors.
Customer satisfaction: How satisfied existing customers are with the service they receive. This includes the insurer’s scores among various third-party studies, such as the J.D. Power U.S. Insurance Shopping and Claims Satisfaction studies, and the National Association of Insurance Commissioners (NAIC) Complaint Index, among others.
Ease of use: How easy it is for policyholders to utilize their policies. This includes mobile app availability, customer service availability, payment flexibility, and other related factors.
Availability: The overall scope of the company’s insurance offerings. This includes available coverage types, national footprint, and other related factors.
Industry reputation: A measure of the insurer’s overall standing within the industry. This includes its AM Best financial strength rating, BBB accreditation, and other related factors.
Sources:
National Association of Insurance Commissioners, “Secura Ins Co. National Complaint Index Report,” accessed July 10, 2024.
Better Business Bureau, “Secura Insurance Companies,” accessed July 10, 2024.
AM Best, “SECURA Insurance Company,” accessed July 10, 2024.
Clearsurance, “Secura Insurance,” accessed July 12, 2024.
BBB, “Secura Insurance Companies,” accessed July 12, 2024.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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