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Choosing a car insurer can be tough: rates may vary based on your driving record, age, and location, and companies offer an array of perks. Allstate and Mercury are counted among the most popular insurers, providing affordable policies in most American states.
To make shopping for car insurance easier, we've gathered average insurance premiums from Mercury and Allstate. The below cover a number of rating factors, including credit rating, driving history, and demographics. Take a look at these rates and find your next car insurance policy today.
If you have very bad credit, Mercury could be the way to go. On average, Mercury offers lower prices than Allstate for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should opt for View common insurance rates 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|
|Very Good (740-799)||$1,820||$1,115|
If you have an at-fault accident, speeding ticket, reckless driving citation, or DUI offense in your recent history, Mercury could be a better choice than Allstate. Each auto insurance company has different post-violation pricing structures, so don't be afraid to shop around to figure out which insurer 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|
Insurance companies use a driver's age to outline potential risk, assigning rates accordingly. An insurance policy is usually expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and relatively affordable for middle-aged drivers. Because each insurance company prices ages in a different way, it's worth doing some comparison shopping.
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|
Aside from finances, Allstate and Mercury each come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||3 out of 5||2 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.||Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.|
|Roadside Assistance||Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.||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||Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.||Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!|
|Recent Questions||Do I have to list my spouse as a driver?|
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|Compare More||Allstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Amica Mutual Insurance Allstate vs. Auto Club (AAA) Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farm Bureau Mutual Allstate vs. Farmers Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. North Star Mutual Allstate vs. Progressive Allstate vs. Root Allstate vs. SAFECO Allstate vs. SafeAuto Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAA||Mercury vs. 21st Century Mercury vs. Allied Mercury vs. American Family Mercury vs. Amica Mutual Insurance Mercury vs. Auto Club (AAA) 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 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|
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