Secura vs USAA Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Secura
Not Rated
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Insurify Composite Score

USAA
96
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Insurify Composite Score

Secura VS USAA
Not Rated
96
What is this?
User Ratings
OptionsSecura USAA
Rating/Reviews
6 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsSecura USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsSecura USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionSecura USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionSecura USAA
Android--
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsSecura USAA
A.M. Best--A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CitySecura USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CitySecura USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CitySecura USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CitySecura USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CitySecura USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CitySecura USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CitySecura USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CitySecura USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CitySecura USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CitySecura USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CitySecura USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CitySecura USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CitySecura USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeSecura USAA
Accident FreeVaries--
Anti-Theft DeviceVariesUp to 20%
Anti-lock BrakeVariesVaries
Claims Free RenewalVaries--
EV/HybridVaries--
Early QuoteVaries--
Good CreditVaries--
Good StudentVariesVaries
LoyaltyVariesVaries
Multiple PolicyVariesUp to 9%
Multiple VehicleVariesUp to 13%
Paid in fullVaries--
Accident Forgiveness--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Driving training--Varies
Family--Up to 10%
Good Driver--Up to 10%
Low Mileage--Varies
Military--Up to 15%
New Car--Varies
Passive Restraint--Up to 15%
Student Away at School--Up to 20%
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typeSecura USAA
Automatic Online Payment
yesyes
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Phone Payment
yes--

Features and Services

Features and ServicesSecura USAA
24/7 service--yes
Accident forgivenessyes--
Flexible / convenient payments--yes
Mobile app--yes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesSecura USAA
Accident Forgiveness
yesyes
Extended Coverage
--yes
Glass Coverage yes--
Pet Coverage
yes--
Rental Reimbursement
--yes
Roadside Assistance
--yes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • Secura
  • USAA
  • Both

Compare Insurance Products

ProductSecura USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insuranceyesyes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Secura Reviews
  • USAA Reviews
2.8
5 Stars
33 %
4 Stars
17 %
1 Star
50 %

Most Positive Review

By Doug
Service

Latest Review

By Robert Payne
I was in an automobile accident in Michigan in February 2018. My car was totaled by the at fault driver. Secura quickly assessed the damage and made financial arrangements for me to replace the automobile. Approximately one year later, I had a civil lawsuit filed against me by the driver who hit my automobile claiming I was the at fault driver and that I caused him pain and suffering as the result of his alleged injuries. My Secura in-house attorney engaged outside counsel to represent me. This outside counsel did a terrific job working with the Secura in-house attorney. In the end, they showed there was no evidence that I was the at fault driver and there was substantial evidence that the injuries claimed by the man who hit my automobile were associated with his previous automobile accidents (pre-existing conditions). A satisfactory out of court settlement was reached for a minimal amount.

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Read reviews that mention

Robert Payne
I was in an automobile accident in Michigan in February 2018. My car was totaled by the at fault driver. Secura quickly assessed the damage and made financial arrangements for me to replace the automobile. Approximately one year later, I had a civil lawsuit filed against me by the driver who hit my automobile claiming I was the at fault driver and that I caused him pain and suffering as the result of his alleged injuries. My Secura in-house attorney engaged outside counsel to represent me. This outside counsel did a terrific job working with the Secura in-house attorney. In the end, they showed there was no evidence that I was the at fault driver and there was substantial evidence that the injuries claimed by the man who hit my automobile were associated with his previous automobile accidents (pre-existing conditions). A satisfactory out of court settlement was reached for a minimal amount.
Ms. Stewart
Awful service.. Im a( female) truck driver there driver (male) Jam transport LLC out of Mt. Pleasant. Wisconsin purposely did a hit and run on me . I told him he hit me to pull over and he said over the cb that he drives the way he wants and to get out and fight him.. among other things . Showed them the video of him hitting me and saying all these thing and they only want to pay for the small damages he caused when I I just bought my truck a month b4 and nothing was wrong with my truck. We will see what the judge say because now we have to sue!
Heather
If you ever have to deal with someone that has Secura insurance, get an attorney right from the beginning. They use very aggressive tactics to take advantage of you when you are the most vulnerable right after the accident. If you ever find out you have to do a claim with Secura Insurance, first call to Secura before you do anything else to get some advice.
Leanne P
I have towing and rental car insurance when my car is disabled. I was told when I was on vacation by 3 agents when my car was being towed that just send the bill for the rental car. Now they are fighting it and adding so many lies even saying that they looked back on who I talked to and no one said that. I have paid for this extra "Mile-Stone Gold" Coverage for 5 years. It says I can drive a disabled car to a garage and get a rental car. I also have to deal with Ansay another company. I am glad I found out now how many lies they can tell before something more serious like a car accident. I would have had to deal with 2 companies fighting with lies. I did report them to Wisconsin Office of the Commissioner of Insurance, Madison, WI. It is not right to lie. They don't want a client to lie for fraud of a claim. If you have this Insurance.....I warned you. I did not want to give one star.
Andy
Service
Doug
Service

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.