Selecting an auto insurance company can be complicated: companies' rates differ by driving history, location, and age, and companies offer an array of discounts. Allstate and Mercury are two of the most popular car insurance companies, offering competitively priced policies in most American states.
In an effort to simplify the insurance-shopping process, we've collected average premiums from Mercury and Allstate. These take into account an array of rating factors, including credit quality, driving record, and age. Compare rates and find your next car insurance policy today.
Want to find out more? Check out our reviews of Allstate and Mercury.
If you have very poor credit, Mercury could be preferable to Allstate. On average, Mercury offers cheaper rates than Allstate for drivers with credit scores of less than 580. Those with excellent credit — a score of 800-plus — should favor View average insurance costs by credit tier for Mercury and Allstate below.
| Credit score | Allstate avg. annual premium | Mercury avg. annual premium |
| Very Poor (300-579) | $3,117 | $1,115 |
| Fair (580-669) | $2,162 | $1,115 |
| Good (670-739) | $2,021 | $1,290 |
| Very Good (740-799) | $1,820 | $1,115 |
| Exceptional (800-850) | $1,743 | $1,115 |
If you've got an at-fault crash, speeding violation, reckless driving citation, or DUI offense on your record, Mercury could be a better choice than Allstate. Each insurer will handle driving offenses differently, so don't be afraid to shop around to figure out which insurance company suits you.
| Violation | Allstate avg. annual premium | Mercury avg. annual premium |
| At-fault accident (damage < $1,000) | $3,006 | $1,822 |
| At-fault accident (damage > $1,000) | $2,290 | $1,125 |
| DUI/DWI | $3,637 | $1,882 |
| Reckless driving | $3,388 | $1,882 |
| Speeding ticket | $2,256 | $1,457 |
Auto insurance companies rely on age as an estimator of risk, assigning rates on a sliding scale. Auto insurance is commonly most expensive for young drivers — because of their inexperience — and most affordable for middle-aged drivers. Since each insurance company rates ages uniquely, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose Mercury instead of Allstate: the former's average annual rates are $3,025 less than the latter's..
| Age | Allstate avg. annual premium | Mercury avg. annual premium |
| Teens | $6,442 | $3,417 |
| 20s | $2,636 | $1,554 |
| 30s | $1,920 | $1,554 |
| 40s | $1,912 | $1,115 |
| 50s | $1,893 | $1,086 |
| 60s | $1,768 | $1,034 |
Aside from finances, Allstate and Mercury both have 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 Comparison | Auto 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 Comparison | Auto Club (AAA) | Mercury |
|---|---|---|
| Financial Strength | Good | Superior |
| JD Power Rankings | ||
| User Satisfaction | N/A | A+ |
| Other Products | Auto Club (AAA) | Mercury |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Auto Club (AAA) | Mercury |
|---|---|---|
| About | Auto 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 Assistance | AAA 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 Discounts | AAA 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 Questions | Can I bundle my renters and new car insurance? We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency. Does roadside assistance cover people not on your policyI haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users. Customer service for AAA roadside assistance only versus AAA auto insurance?Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral. 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. See More Questions | Can 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 |
| Compare More | Auto 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. Safe Auto Auto Club (AAA) vs. Safeco 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. USAA | Mercury 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. Safe Auto Mercury vs. Safeco Mercury vs. State Farm Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury vs. USAA |
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