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 | 2 out of 5 | 2 out of 5 |
| 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 | Does 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 ... Is someone who has AAA Roadside assistance with AAA as valuable to AAA as someone who has automobile insurance through ... My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ... I am in the process of giving my son a 1999 Lincoln Towncar. What do we need to do to ... | 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?... My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ... My son’s car was parked at his girlfriend’s parents house. While backing out of the driveway, her brother clipped my ... I was filling up my car at the gas station and was hit from behind by a Jeep. My insurance ... |
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| States Offered | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia |
