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.
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.
| Credit level | Auto Club (AAA) avg. annual premium | Mercury 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 |
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.
| Citation | Auto Club (AAA) avg. annual premium | Mercury 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 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..
| Age bracket | Auto Club (AAA) avg. annual premium | Mercury 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 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 |
