Auto Insurance Comparison
Quick verdict
SECURA edges ahead Root in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| SECURA | Root | |
|---|---|---|
| Overall score | 3.90 /5 ★★★★★ Highest overall | 3.60 /5 ★★★★★ |
| Best for | SECURA Insurance is a Wisconsin-based mutual operating across 13 states. | Root is a digital-native carrier built around a test-drive model — you install the app, drive for ~3 weeks, and Root prices your policy based on actual driving behavior |
| Read full review | SECURA review → | Root review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | SECURA | Root |
|---|---|---|
| Customer experience | 4.10 | 3.50 |
| Coverage breadth | 3.90 | 3.50 |
| Affordability | 3.70 | 3.80 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
SECURA
Full review →Pros
- Mutual structure with policyholder-aligned ownership
- Available across 13 states — moderate geographic reach
- Multi-line bundling discounts for home and auto combined
- Solid customer-satisfaction reputation in operating markets
Cons
- Limited geographic footprint outside its 13 operating states
- No online quoting — independent agents only
- Less brand recognition than national carriers
Root
Full review →Pros
- Low-mileage drivers
- Drivers who do everything to keep themselves safe on the road
- Prospective customers want to save on renters and vehicle insurance.
Cons
- high-risk drivers in the high-risk categories.
- Insurance agents who prioritize work
- drivers who seek a comprehensive insurance plan
Coverage at a glance
What each carrier offers in standard policies.
SECURA
Root
The bottom line
SECURA
SECURA is a fine regional choice in its 13-state footprint, particularly for multi-line bundlers. Outside that footprint, it isn't an option.
Read the full SECURA reviewRoot
Root is worth trying if you're a genuinely safe driver who's comfortable with a 3-week test and digital-only service. If you need immediate coverage or prefer human agents, look elsewhere.
Read the full Root reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.