Honest Policy Logo
Secura logo

Secura Car Insurance

Smart Score

81

Industry Average: 75

Smart Score

81
/100

Industry Average: 75

Customer Service

7.7
/10

Industry Average: 7.7

Claims Process

9.7
/10

Industry Average: 8

Value for Price

7.6
/10

Industry Average: 7

Secura Overview

SECURA Insurance, based in Wisconsin, has been providing insurance since 1900. Founded at the turn of the century in response to a devastating cyclone, Secura Insurance today is a regional property and casualty insurer covering 12 states. They cover individuals, businesses, farms, and specialty needs. It offers its coverage through independent agents and gives many policy options and discounts. For example, if you are looking for car and home coverage bundle, MILE-STONE program might be an attractive option.

Lines of Business:

Secura Ratings Breakdown

Smart Score

81

Secura: 81
Industry Average: 75
Secura: 81
Industry Average: 75

Why our Smart Score matters

Secura’s Smart Score of 81 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Secura’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 81, Secura rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

7.7

Secura: 7.7
Industry Average: 7.7
Secura: 7.7
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Secura’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Secura’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Secura’s service score of 7.7, they have a decent rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

9.7

Secura: 9.7
Industry Average: 8
Secura: 9.7
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Secura. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Secura handles it.


Secura’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Secura.


What does this mean for you?

Evident from a claims score of 9.7, Secura has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

7.6

Secura: 7.6
Industry Average: 7
Secura: 7.6
Industry Average: 7

Secura’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Secura comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Secura’s value for price score of 7.6 is excellent compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

Secura Auto Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints Secura has than average. With an index of 0.35 Secura is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Secura has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Secura has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.35 Secura is better than average.

Secura Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Secura

Available OptionsWhat it meansSee something wrong?
Glass Coverage

Protects the cost of fixing or replacing a broken windshield.

Pet Coverage

If your pet is injured in an accident, this insurance will cover their expenses.

Accident Forgiveness

Protects your driving record from being affected by the insurance company's rating system for an at-fault accident, thus preventing your insurance premium from going up due to this type of accident.

Umbrella Policy

Liability insurance that covers the excess portions of claims not covered by your other insurance policies.

Secura availability in these states

Secura Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Secura has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

Accident Free

Tied to drivers on the policy and any accidents in their record. though insurers generally only consider the past 3 to 5 years.

Multiple Policy

While insurers are out to protect drivers, they also need to make money, and they tend to make more when a customer has multiple products (policies) with them. As a result, they can offer savings when drivers pair their car policy with another (home, renters, umbrella, etc.) policy.

Compare

How does Secura compare to other insurance companies? Click the following links below to compare Secura to other top insurance companies.

Secura logo
Vs

Other carriers