Auto Club (AAA) vs Mercury Car Insurance

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Auto Club (AAA) or Mercury:
Which Company is Best for You?

Selecting a car insurance company is complex: rates can fluctuate by location, vehicle, and driving record, and insurers offer a variety of perks. Auto Club (AAA) and Mercury are two of the nation's most popular insurers, offering competitively priced policies across many states.

In an effort to simplify the insurance-shopping process, we've collected average policy rates from Mercury and Auto Club (AAA). These take into account a number of pricing components, including credit rating, driving history, and age. Check out the below rates and find the right policy for you.

 

Auto Club (AAA) vs. Mercury: premium comparison

 

Auto Club (AAA) vs. Mercury: by credit level

If you have very poor credit, Mercury could be preferable to Auto Club (AAA). Typically, Mercury offers cheaper rates than Auto Club (AAA) for drivers with credit scores of 579 or less. Drivers with excellent credit — a score of 800 or higher — should opt for Check out typical insurance rates by credit level for Mercury and Auto Club (AAA) below.

 

COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Mercury VS. Auto Club (AAA)
Credit levelAuto Club (AAA) avg. annual premiumMercury avg. annual premium
Very Poor (300-579)$6,569$1,115
Fair (580-669)$4,023$1,115
Good (670-739)$3,723$1,290
Very Good (740-799)$3,004$1,115
Exceptional (800-850)$2,814$1,115

 

Auto Club (AAA) vs. Mercury: rates for bad drivers

If you're saddled with an at-fault accident, speeding ticket, reckless driving citation, or DUI in your recent history, Mercury could be a better choice than Auto Club (AAA). Every insurer prices policies differently after a violation, so it's worth comparing quotes to understand which insurer suits you.

 

RATES BY CITATION: Mercury VS. Auto Club (AAA)
CitationAuto Club (AAA) avg. annual premiumMercury avg. annual premium
At-fault accident (damage < $1,000)$4,078$1,822
At-fault accident (damage > $1,000)$4,002$1,125
DUI/DWI$5,530$1,882
Reckless driving$5,530$1,882
Speeding ticket$4,078$1,457

 

Auto Club (AAA) vs. Mercury: rates by age bracket

Auto insurance companies use a driver's age to estimate risk, pricing policies accordingly. Insurance is often more expensive for beginning and young drivers — thanks to their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company evaluates age brackets uniquely, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose Mercury before Auto Club (AAA): the former's average annual rates are $6,839 less than the latter's..

 

RATES BY AGE: Mercury VS. Auto Club (AAA)
Age bracketAuto Club (AAA) avg. annual premiumMercury avg. annual premium
Teens$10,256$3,417
20s$4,644$1,554
30s$3,248$1,554
40s$3,195$1,115
50s$3,083$1,086
60s$2,887$1,034

 

Aside from finances, Auto Club (AAA) and Mercury each carry pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonAuto Club (AAA)Mercury
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 ComparisonAuto Club (AAA)Mercury
Financial Strength GoodSuperior
JD Power Rankings
2 out of 5
2 out of 5
User Satisfaction

N/A

A+

Other ProductsAuto Club (AAA)Mercury
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
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Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAuto Club (AAA)Mercury
AboutAuto Club provides its customers with customizable payment options, competitive rates and excellent features.Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.
Roadside AssistanceAAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.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 DiscountsAAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!
Recent QuestionsDoes roadside assistance cover people not on your policy

How can I get roadside insurance coverage that covers anyone who drives my car? Cover the car, any driver, not ...

Customer service for AAA roadside assistance only versus AAA auto insurance?

Is someone who has AAA Roadside assistance with AAA as valuable to AAA as someone who has automobile insurance through ...

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 ...

What steps do I need to take to gift a car to my son in Texas?

I am in the process of giving my son a 1999 Lincoln Towncar. What do we need to do to ...

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Can I use my roadside assistance if I’m in my friends car?

Does Mercury roadside assistance include lockout service if I’m in another persons car?...

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 ...

See More Questions
Compare MoreAuto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. North Star Mutual Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. SAFECO Auto Club (AAA) vs. SafeAuto Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAAMercury vs. 21st Century Mercury vs. Allied Mercury vs. Allstate Mercury vs. American Family Mercury vs. Amica Mutual Insurance Mercury vs. Erie Mercury vs. Esurance Mercury vs. Farm Bureau Mutual Mercury vs. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. Liberty Mutual Mercury vs. MetLife Mercury vs. Nationwide Mercury vs. North Star Mutual Mercury vs. Progressive Mercury vs. SAFECO Mercury vs. SafeAuto 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:

Auto Club (AAA) vs Mercury

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