21st Century vs Mercury Car Insurance

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21st Century or Mercury:
Which Company is Best for You?

Picking a car insurance company is complex: rates vary by location, vehicle, and driving record, and every company's discounts differ. 21st Century and Mercury are two of the US' top insurance companies, selling affordable policies in most states.

In an effort to take the sting out of shopping for car insurance, we gathered average policy prices from Mercury and 21st Century. The below cover a number of rating factors, including credit history, driving record, and age. Examine these figures and find the right policy for you.


Compare 21st Century vs. Mercury auto insurance rates


21st Century vs. Mercury: prices by credit level

If you have extremely bad credit, Mercury could be the way to go. On average, Mercury offers cheaper rates than 21st Century for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800-plus — should lean toward Check out common insurance rates by credit score for Mercury and 21st Century below.


CREDIT SCORE INSURANCE RATE COMPARISON: Mercury VS. 21st Century
Credit score21st Century avg. annual premiumMercury avg. annual premium
Very Poor (300-579)$1,363$1,115
Fair (580-669)$1,363$1,115
Good (670-739)$1,657$1,290
Very Good (740-799)$1,363$1,115
Exceptional (800-850)$1,363$1,115

21st Century vs. Mercury: rates for high-risk drivers

If you're carrying an at-fault crash, speeding violation, reckless driving citation, or DUI offense in your recent history, Mercury could be a better choice than 21st Century. Every insurance company prices its policies differently, so don't hesitate to shop around to figure out which insurer suits you.


HIGH-RISK INSURANCE RATE COMPARISON: Mercury VS. 21st Century
Infraction21st Century avg. annual premiumMercury avg. annual premium
At-fault accident (damage < $1,000)$2,440$1,822
At-fault accident (damage > $1,000)$1,273$1,125
DUI/DWI$3,949$1,882
Reckless driving$3,949$1,882
Speeding ticket$1,781$1,457

21st Century vs. Mercury: rates by age

Car insurance companies rely on age to estimate risk, assigning rates accordingly. An auto insurance policy is typically most expensive for teen drivers — due to their inexperience — and more affordable for middle-aged drivers. Because every insurance company evaluates age brackets in a different way, it's worth shopping around and finding the best rate for you.

As a general rule, teen drivers should choose Mercury over 21st Century: the former's average annual rates are $1,816 less than the latter's..


RATES BY AGE BRACKET: Mercury VS. 21st Century
Age tier21st Century avg. annual premiumMercury avg. annual premium
Teens$5,233$3,417
20s$1,795$1,554
30s$1,342$1,554
40s$1,313$1,115
50s$1,244$1,086
60s$1,117$1,034

Cost aside, 21st Century and Mercury each carry pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount Comparison21st CenturyMercury
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings Comparison21st CenturyMercury
Financial Strength ExcellentSuperior
JD Power Rankings
3 out of 5
2 out of 5
User Satisfaction

A+

A+

Other Products21st CenturyMercury
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features21st CenturyMercury
About21st Century, part of the Farmers Insurance Group, is a leading US insurer of automobiles, dedicated to providing customers with superior coverage and service.Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.
Roadside Assistance21st Century customers are automatically enrolled in the 21st Roadside Assistance program at no additional cost. 21st Roadside Assistance provides 24/7 towing, lock-out service and other emergency services, limited to five service calls per vehicle per calendar year. 21st Roadside Assistance coverage is provided for up to $75 ($80 in TX, $100 in NC) in roadside services. Service applies to labor only. Parts (tires, batteries, belts, etc.) and gasoline are not included.Mercury offers roadside assistance as an optional addition to your policy which provides coverage 24/7 for things like reimbursement for locking keys in your car, a flat tire change, and even a tow up to the limit on your policy.
Additional Discounts21st Century offers an additional discount for seniors in select states.Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!
Recent QuestionsCan I group multiple accidents into one claim?

I backed into a poll and damaged my rear panel and bumper last night. I also have minor scratches and ...

If my car was damaged at a gas station due to bad weather, who pays for the repair?

I was getting gas when it started to rain, and the wind was blowing really hard. A piece of metal ...

What should I do if I damaged an old car and don’t want the insurance company to total the vehicle?

My son’s friend left his vehicle parked at my house while he was on vacation. I drove it to the ...

What should I do after a minor accident?

While driving down a dark street last night I was involved in an accident where I hit someone’s car door ...

See More Questions
What do I do if my vehicle was totaled while parked?

My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...

Do I need a police report to file a claim?

My son’s car was parked at his girlfriend’s parents house. While backing out of the driveway, her brother clipped my ...

Do I contact the other driver’s insurance company if they hit me while at the gas station?

I was filling up my car at the gas station and was hit from behind by a Jeep. My insurance ...

Can I add my golf cart to my insurance policy?

I just got a shiny new golf cart. It was expensive and I want to make sure it’s covered if ...

See More Questions
Compare More21st Century vs. Allied 21st Century vs. Allstate 21st Century vs. American Family 21st Century vs. Amica Mutual Insurance 21st Century vs. Auto Club (AAA) 21st Century vs. Erie 21st Century vs. Esurance 21st Century vs. Farmers 21st Century vs. Foremost 21st Century vs. GEICO 21st Century vs. Infinity 21st Century vs. Liberty Mutual 21st Century vs. MetLife 21st Century vs. Nationwide 21st Century vs. Progressive 21st Century vs. SAFECO 21st Century vs. Safe Auto 21st Century vs. State Farm 21st Century vs. The General 21st Century vs. The Hartford 21st Century vs. Titan 21st Century vs. Travelers 21st Century vs. USAAMercury vs. Allied Mercury vs. Allstate Mercury vs. American Family Mercury vs. Amica Mutual Insurance Mercury vs. Auto Club (AAA) Mercury vs. Erie Mercury vs. Esurance Mercury vs. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. Liberty Mutual Mercury vs. MetLife Mercury vs. Nationwide Mercury vs. Progressive Mercury vs. SAFECO Mercury vs. Safe Auto Mercury vs. State Farm Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia
Additional Resources:

21st Century vs Mercury

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