Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict
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Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
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We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
At a glance
3.7
Rating: 3.7 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 3.6 stars out of 5
3.6
Cost & ratings
Rating: 3.67 stars out of 5
3.7
Coverage
Rating: 4 stars out of 5
4.0
Support
Rating: 3 stars out of 5
3.0
Home
Rating: 3.8 stars out of 5
3.8
Cost & ratings
Rating: 3.67 stars out of 5
3.7
Coverage
Rating: 3.67 stars out of 5
3.7
Support
Rating: 4.5 stars out of 5
4.5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Secura Insurance offered personal auto and home insurance along with commercial, farm and other insurance lines in 13 states. The carrier may have been a good fit for shoppers who preferred their policies bundled; however, Secura Insurance sunset its personal lines operations as of November 1, 2023, and is no longer writing new policies.
New personal lines insurance policies are no longer available in any state.
Auto and home policies were sold as bundles and could not be separated.
Since auto and home policies are combined, they share the same insurance deductible.
Qualifying customers had access to unique benefits such as SECURA’s Glass Express Claim Center and Travel Rescuer
New
What’s new with Secura?
As of November 1, 2023, Secura stopped writing new auto and home insurance policies and is withdrawing from the personal lines market in all 13 states where it offered coverage. Instead, Secura Insurance Mutual Holding Company plans to focus on its many business and farm insurance products. If you are currently a Secura policyholder, here is what you need to know:
Secura's complete exit from the personal lines market is slated for December 31, 2025.
Policyholders will receive a nonrenewal notice 60 before their policy renewal date.
All coverage types and services will remain available to policyholders until their policy expires.
Policyholders do not need to wait until they receive the nonrenewal notice to look for other insurance options.
Secura car insurance review
Secura car insurance may have been a good option for drivers who wanted to bundle their coverage with home insurance since the company strictly sold its auto and home insurance as a package that could not be separated into individual policies. There were two package options available: Mile-Stone Basic or Mile-Stone Gold. One of the biggest advantages of the auto and home package is the single deductible perk. If your car and home are damaged in the same event, you’ll pay just one deductible rather than both.
Pros and cons of Secura car insurance
Secura wasn’t the largest car insurance company, but it did offer cheap average car insurance rates and was a good choice for some. If you are an existing Secura customer, you may want to compare these pros and cons we identified for the carrier to inform your shopping process.
Pros
Local agencies may be appealing to some drivers
Offers robust travel assistance coverage
Cons
No longer offering new auto or home insurance policies
Fewer endorsements than some companies
Secura car insurance cost
Secura no longer writes new auto insurance policies, but if you are a current customer preparing for your nonrenewal, it may be helpful to know that the average cost of car insurance in the U.S. is $2,685 per year for full coverage and $800 per year for minimum coverage. Your rates will differ based on your personal rating factors, including ZIP code, vehicle type, deductible and, in most states, credit history, age and gender.
Secura customer satisfaction
Secura is a smaller carrier and isn’t rated by J.D. Power for customer satisfaction. However, the company does have an A (Excellent) AM Best rating, which reflects its historical ability to pay out claims. While A isn’t the highest possible rating from AM Best (that’s A++), it’s still relatively high and may give policyholders peace of mind that the company is financially sound — especially while Secura is in the process of nonrenewing all private passenger auto policies.
Secura auto insurance customer complaints
One way to learn more about customer experience with an insurance company is to check the complaint index from the National Association of Insurance Commissioners (NAIC). The complaint index provides a baseline (1.0) for the number of complaints an insurance company is expected to have based on its size. An index above 1.0 indicates the carrier has more complaints than expected and vice versa.
Secura has a high complaint index score for its private passenger auto product — the NAIC received 12 times as many complaints about Secura’s auto insurance in 2021 than expected. While the index has improved in recent years, it still remains above baseline.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 2.24 to 12.23.
End of interactive chart.
Secura car insurance discounts
Although Secura’s average rates are already low, you would have been able to take advantage of the company’s discounts to lower your premium even more. Car insurance discounts may vary by state. When searching for a new company, you may want to talk to an agent to ensure you are given every discount you qualify for. Some common discounts that Secura offered include the following:
Valued policyholder discount: Long-time Secura policyholders earn savings the longer they stay with the company.
Financial stability discount: You may earn a discount if you have a good credit rating.
Pay online: You'll save when you pay for your policy using the company's Full-Pay plan or SurePay EFT.
Claim-free discount: This discount is earned if you have no moving violations on your driving record and have been claim free for three years.
Good student discount: If your policy covers a student driver and they earn a 3.0 GPA or higher or have graduated with a cumulative 3.0 GPA, you qualify for this discount.
Hybrid car discount: Owning or leasing a hybrid car will net you some savings.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Secura
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Secura home insurance review
As with auto insurance, Secura home insurance was only available as a package with auto coverage, so it could have been a good option for those who wanted to bundle their policies. Coverage was available in the same 13 states where auto insurance was sold. Secura is no longer writing new home insurance policies, so if you're shopping for home coverage, you may want to explore quotes from other top home insurance companies.
Pros and cons of Secura homeowners insurance
Just like with auto insurance, getting and comparing home insurance quotes can be a useful strategy when shopping for coverage. Here are some pros and cons we identified with Secura to use as a point of reference when evaluating other carrier options.
Pros
Single deductible for damage that affects your home and vehicle
Helpful online blog posts on a variety of home-related topics
Cons
Limited state availability
Doesn’t offer many add-on options
Secura home insurance cost
Whether you're a new homeowner looking for coverage or comparison shopping to switch carriers, knowing the average cost of home insurance can help you understand whether you're getting a competitive quote. For a policy with $300,000 in dwelling coverage, the average annual premium is $2,267. Keep in mind that your rates will vary based on your own personal rating factors, so you may want to look more closely at average rates in your state as well.
Secura customer satisfaction
If you are an existing Secura customer with an active policy, the carrier's customer service level is probably still important to you. J.D. Power doesn't review Secura for its home insurance product since they are a regional company. However, Secura's A (Excellent) rating from AM Best indicates strong financial strength.
Secura home insurance customer complaints
As a small company, even a handful of complaints can push Secura's NAIC complaint index above baseline. The carrier's index is highly variable year-to-year, so speaking with other customers may give you a better idea of the level of service the carrier can provide to existing policyholders.
NAIC Complaint Index for home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0 to 19.05.
End of interactive chart.
Secura home insurance discounts
Many of Secura’s discounts could be applied to both home or auto policies, like the financial stability discount. As with the auto insurance discounts, the home insurance discounts could vary by state. Here are some Secura home insurance discounts existing policyholders may be able to qualify for until the end of their policy term:
New home discount: If your home is a new build or less than 10 years old, you earn this credit.
Protective device discount: Arming your home with a security system, smoke detectors or other protective devices can result in a discount.
Umbrella policy discount: Your home premium will be reduced if you add an umbrella policy to your coverage.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Secura
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Secura to other insurers
Secura is no longer writing new home and auto insurance policies, but our insurance editorial team identified the following carriers as alternatives you might be interested in.
Secura vs. Erie
If you liked the idea of working with a regional insurance company, Erie could be a good option. The carrier writes home and auto policies for a 12-state service area with robust coverage options and affordable average premiums. Although Erie's digital tools may not be as comprehensive as some of its competitors, it earned a third-place showing in J.D. Power's 2024 Insurance Digital Experience Study in the shopping category.
Policyholders who value cheaper car insurance and digital capabilities over bundling multiple insurance policies with the same company might consider Geico as their company of choice. The carrier does offer home insurance, but only through partner companies.
Customers who value robust policy options and want the ease of managing all their insurance policies in one place may find Travelers to be an appealing option. The carrier offers some fairly unique home insurance discounts like green home savings for LEED-certified properties.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Secura a good insurance company?
Secura may have been a good option for those looking for a bundled auto and home package. Because the company only sold auto and home as a package, not individually, many discounts and endorsements apply to both product types, which is relatively unique. Some of Secura's perks, like local agents and its glass-specific claims center, may still be available to remaining policyholders, but the carrier plans to fully exit the personal lines insurance market and nonrenew all home and auto policies by the end of 2025.
What are real-life customers saying about Secura?
Reading reviews from real customers can give you insight into how other Secura policyholders feel about the claims experience and customer service they receive. Bankrate's insurance editorial team reviewed multiple online platforms and found that Google has the most user feedback.
Google user 1
Jun 1, 2023
Sadly, I had 2 auto claims in 1 month. I had...
“Sadly, I had 2 auto claims in 1 month. I had calls from adjusters within 6 hours of reporting. Great follow-up as well. Claims were paid for quickly. Great company!”
“I was a victim of what was hopefully the last winter weather of the year and slid into a sign which damaged my back right door and took off the handle. I was able to stop for a quote the next day and called Secura, who handled everything immediately. Very impressive, quick service and I had a check to cover the estimate only a week later!"
“The one and only homeowners storm damage claim in my lifetime. It was the worst experience ever. Secura was terrible to work with and communicate with...Will never insure with them again.”
Secura Insurance PO Box 776231 Chicago, IL 60677-6231
Claim payments address:
Secura Insurance PO Box 819 Appleton, WI 54912-0819
General correspondence:
Secura Insurance PO Box 819 Appleton, WI 54912-0819
State availability
Availability: Secura car insurance was available in 13 states. Customers in these states may still have active policies, but the carrier is not writing new personal lines business: AZ, CO, IL, IN, IA, KS, KY, PA, MI, MN, MO, ND and WI.
Secura tools and benefits
Although it is a smaller company, Secura offers numerous insurance products. While you can no longer purchase auto or home insurance, you might be able to buy the following types of insurance from Secura:
Business & non-profit
Farm & agriculture
Special event
Sports & recreation
Health club
Frequently asked questions about Secura
Secura offers policyholders several ways to file a claim. You can:
Call 1-800-318-2136 (Central and Eastern time zones) or 1-866-356-7870 (Mountain time zone)
Fax the information to 1-800-318-2209
Contact your local Secura agent
Until the company exits completely from the personal line market in 2025, you should be able to submit your claim and receive a response from a claims representative within 24 hours. Secura operates a 24/7 claims number, and you are encouraged to call 1-800-318-2136 for any claims where your car is not drivable or you cannot reside in your home due to damage. You may also submit your claim online.
Secura doesn’t skimp when it comes to giving back. The carrier places an importance on social responsibility and supports numerous community programs through its Community Commitment program. Secura also maintains a Sustainability Committee to help the company reduce its environmental impact. Secura also supports non-profits in the communities where it does business. Since 2017, it has donated $210,500 to charities through the Secura Gives Back campaign.
No, Secura does not offer an app for its customers to use to manage their policies or submit claims. Instead, the company offers an online portal, mySECURA, which they can access from any web browser on a computer or mobile device.
Methodology
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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