21st Century vs Mercury Car Insurance

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

Deciding on a car insurance company can be hard: every company's rates differ based on your driving record, age, and location, and companies offer an array of perks. 21st Century and Mercury are two of the most popular insurance companies, providing affordable insurance policies in many states.

In an effort to simplify the comparison process, we have gathered average rates from Mercury and 21st Century. The below cover a variety of pricing factors, including credit, driving history, and age. Examine these figures and find an affordable policy today.

Want to find out more? Check out our comprehensive reviews of 21st Century and Mercury.


21st Century vs. Mercury: insurance rate comparison


21st Century vs. Mercury: prices by credit level

If you have very bad credit, Mercury could be the best option for you. On average, Mercury offers more affordable premiums than 21st Century for drivers with credit scores of lower than 580. Those with excellent credit — a score of 800 or higher — should consider Check out average insurance rates by credit tier 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: high-risk insurance rate comparison

If you've got an at-fault accident, speeding violation, reckless driving citation, or DUI offense in your rear view mirror, Mercury could be a better choice than 21st Century. Every insurance company prices its policies differently, so don't be afraid to shop around to figure out which insurer is best for you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Mercury VS. 21st Century
Violation21st 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

Insurers use a driver's age as an indicator of potential risk, pricing policies accordingly. Auto insurance is commonly more expensive for teen drivers — due to their inexperience — and more affordable for middle-aged drivers. Because every car insurance company evaluates age tiers differently, it's wise to compare rates and find great coverage.

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..


AGE BRACKET INSURANCE RATE COMPARISON: 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

Aside from finances, 21st Century and Mercury come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, 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
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
User Satisfaction

A+

A+

Other Products21st CenturyMercury
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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 use my roadside assistance if I'm in my friends car?
When you have roadside assistance through your insurance company, the service is only available on the vehicle that the coverage is listed. There are other roadside companies that will allow you to use the roadside no matter whose vehicle you are in.
What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.
Do I need a police report to file a claim?
Accidents that occur on private property do not require a police report in order to file a claim. Your familiarity with the other driver does not impact your ability to file a claim, however the fact that he is uninsured means that you will have to pay your deductible for the repairs.
Do I contact the other driver's insurance company if they hit me while at the gas station?
If the other party hit your vehicle, and it's pretty clearly they're at fault, then you should contact their insurance for repairs. Parking lot accidents or accidents that occur on private property can be difficult to determine fault, but it sounds like the incident is pretty straight forward.
See More Questions
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21st Century vs Mercury

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