Is Secura Good for Auto Insurance?
Last Updated on January 8, 2026
SECURA can be a strong regional insurer for business, farm, and specialty coverage, but it may not be the best place to shop for a new personal auto policy today. In October 2023, SECURA announced it is exiting the personal lines market (home and auto) through a transition process, so availability for new personal auto policies can be limited depending on your state and timing.
This review explains what SECURA is known for, what its auto coverage typically includes for existing policyholders, and what to ask an independent agent before you buy or renew.
Our Rating of SECURA
2.8
out of 5
★★★☆☆
Summary
Bottom line: SECURA can work for existing auto customers in its operating states, but limited new-policy availability during its personal-lines exit makes it a tougher fit for most new personal auto shoppers.
SECURA Insurance Companies is a Wisconsin-based property and casualty insurer with a strong Midwest presence that primarily sells through independent agents and is best known for commercial, farm, and specialty coverage. Where personal auto remains available (often for existing customers during the transition), policies generally follow standard structures with coverages like liability, collision, comprehensive, and optional add-ons such as roadside assistance and accident forgiveness, but availability for new policies can vary by state and timing. The company reports an A (Excellent) financial strength rating from A.M. Best and an A+ rating on its Better Business Bureau profile, though third-party ratings and complaint information can change over time.
Best for
- Existing SECURA personal auto policyholders navigating renewals during the transition
- Drivers in SECURA’s Midwest footprint who prefer working with an independent agent
- Households that previously used SECURA’s bundled home-and-auto style packages, where still in force
Not ideal for
- Shoppers trying to start a brand-new personal auto policy today
- People who want a fully online, direct-to-consumer purchase experience
- Drivers outside SECURA’s operating states or needing broad nationwide availability
About SECURA
SECURA Insurance Companies is a property and casualty insurer headquartered in Neenah, Wisconsin (Village of Fox Crossing). Founded in 1900, the company works primarily through a network of independent agents and has built a strong Midwest presence.
Historically, SECURA offered personal lines (including home and auto) in multiple states, along with commercial and farm coverage. However, SECURA has publicly announced it is exiting the personal lines market; if you’re shopping for a new personal auto policy, confirm current eligibility and availability with an agent and review SECURA’s announcement directly here.
SECURA operates in multiple states, including Wisconsin, Arizona, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, North Dakota, Pennsylvania, and others as underwriting and distribution evolve. Availability can change by line of business.
| SECURA Insurance Contact Info | |
|---|---|
| Address | 1500 Mutual Way Neenah, WI 54956 |
| Phone Number | 800-558-3405 |
| Hours of Operation | Monday – Friday 8:00 a.m. – 4:30 p.m. Central Time |
| Website URL | https://www.secura.net/ |
SECURA Insurance Products and Services
SECURA is best known for commercial and farm-related coverage, plus specialty programs. Personal lines (home and auto) have been part of SECURA’s historical offerings, but the company has announced a planned exit from that market, so ask an agent what is still available for new business versus existing policyholders.
| Category | What SECURA Typically Offers | Good Fit For |
|---|---|---|
| Business and Nonprofit | Property and liability packages, workers’ comp, risk management, cyber options, and specialized programs (varies by industry and state) | Small to mid-sized organizations that prefer an independent-agent relationship |
| Farm and Agribusiness | Property and liability coverage for farms and ag operations, plus risk management services and specialty endorsements (availability varies) | Farms, ag operations, and rural businesses needing tailored coverage |
| Specialty Programs | Special events, recreation, and other niche coverages depending on state and underwriting | Organizations with specific event or specialty risks |
| Personal Lines (Home and Auto) | Historically included home, renters, auto, roadside-type services, identity theft options, and personal umbrella insurance | Existing policyholders during the transition; confirm current availability for new policies |
Quick tip: If you currently have SECURA home or auto coverage, ask your agent for your renewal/nonrenewal timeline and start shopping early. Avoiding a lapse protects your rates and keeps you compliant with state insurance requirements.
How Does SECURA Auto Insurance Work?
Where personal auto is still available (often for existing customers during the transition), SECURA policies generally follow standard auto insurance structures: you can carry minimum coverage to meet legal requirements or build out full coverage with comprehensive and collision for broader protection.
Common Coverages and Add-Ons
| Coverage or Feature | What It Helps Pay For | Why It Matters |
|---|---|---|
| Liability Coverage | Injuries and property damage you cause to others | Required in most states; higher limits can better protect assets |
| Collision Coverage | Repairs to your vehicle after a collision, subject to your deductible | Commonly required by lenders/lessors when the vehicle is financed |
| Comprehensive Coverage | Non-collision losses like theft, vandalism, hail, and animal strikes | Protects against many losses that can be expensive and unpredictable |
| Roadside Assistance | Towing, jump-starts, lockouts, fuel delivery, and similar services | Convenient for older vehicles or long-distance drivers; check limits and towing radius |
| Accident Forgiveness | May reduce or prevent a surcharge after a qualifying at-fault accident | Rules vary; ask what counts as “forgiven” and whether it’s earned or purchased |
| Umbrella Coverage | Extra liability protection above your auto/home limits | Useful for higher exposure households; requires certain underlying limits |
What Has Historically Made SECURA Auto Insurance Stand Out?
SECURA has marketed several named features in its personal lines programs. With the personal lines exit underway, these options may apply mainly to existing policyholders and legacy packages, so confirm what still applies to your policy and state.
| Feature | How It Works | What to Confirm |
|---|---|---|
| Travel Rescuer | Helps reimburse certain out-of-town emergency expenses when you’re away from home, similar to the scenarios discussed in emergency travel expense coverage. | Distance requirement, eligible expenses, and whether it’s included or optional |
| Roadside Rescuer | SECURA’s branded roadside assistance plan (towing and roadside services). | Service limits, towing distance, and whether it applies to all listed vehicles |
| Pet Protector | May help with veterinary costs or replacement if a pet is injured in a covered loss, similar to how pet coverage is handled on some policies. | Covered events, benefit limits, and whether it applies to auto-only or bundled policies |
| MILE-STONE Home and Auto | A bundled approach intended to simplify coverage and claims, similar to getting a multi-policy discount. | Whether one-deductible features apply across coverages for a single loss event |
| MILE-STONE Gold | A higher-tier package that has historically bundled extras such as travel/roadside services, identity theft options, accident forgiveness, and glass coverage. | What is included versus optional, and whether endorsements remain available during the transition |
SECURA Auto Insurance Discounts
Discounts depend on your state, your underwriting tier, and what lines are still being written. If you’re quoted for personal auto or renewing an existing policy, ask your agent to review every available discount and what proof is needed.
| Discount Type | What Usually Qualifies | Related Reading |
|---|---|---|
| Valued Policyholder | Longer continuous tenure with the insurer | Ask how tenure is calculated and whether it transfers between policy types |
| Financial Stability | In states where allowed, pricing may reflect insurance credit factors; see how credit can affect car insurance rates. | Whether your state uses credit-based rating and what exceptions apply |
| Early Quoting | Requesting a quote in advance of the effective date | How many days in advance is required |
| Select Pay / EFT | Discounts for certain payment methods, including automatic payment options. | Which methods qualify and whether fees apply |
| Paid in Full | Paying the policy term upfront instead of installments, similar to deciding whether it’s better to pay in full or monthly. | Any refund rules if you cancel mid-term |
| Claim-Free / Violation-Free | Maintaining a clean driving record and avoiding claims; learn how the claims-free discount typically works. | Lookback period and whether comprehensive claims count |
| Good Student / Graduate | Eligible students who meet insurer requirements; see the good student discount and graduate discount rules. | Age limits, documentation, and whether the discount renews automatically |
| Hybrid / EV | Some insurers offer credits for certain vehicle types; see whether hybrids or EVs are cheaper to insure. | Eligible models and whether the discount stacks with other vehicle credits |
SECURA Reviews and Ratings
For financial strength, SECURA Insurance Company carries an A (Excellent) Financial Strength Rating from A.M. Best, with rating details and effective dates available directly from A.M. Best here.
For consumer-facing information, the Better Business Bureau (BBB) lists SECURA Insurance Companies with an A+ rating and publishes complaint and review details on its profile page here. Keep in mind that BBB ratings, reviews, and complaint totals can change over time.
If you want an additional, state-level view of complaint ratios, some insurance departments publish complaint statistics. For example, Michigan’s Department of Insurance and Financial Services posts insurer complaint ratio summaries by year (including SECURA) here.
Final Word on SECURA
SECURA is a long-established Wisconsin-based insurer with strong financial-strength ratings and a major focus on commercial, farm, and specialty lines. If you’re shopping specifically for personal auto insurance, the most important step is confirming current availability with an independent agent because SECURA has announced a planned exit from personal lines.
If you already have SECURA personal auto coverage, review your renewal timeline, confirm what endorsements still apply, and start replacement shopping early to avoid coverage gaps.
