Allstate vs Mercury Car Insurance

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Allstate or Mercury:
Which Company is Best for You?

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.


Allstate vs. Mercury: premium comparison


Allstate vs. Mercury: pricing by credit score

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.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Mercury VS. Allstate
Credit scoreAllstate avg. annual premiumMercury 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

Allstate vs. Mercury: rates for high-risk drivers

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.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Mercury VS. Allstate
ViolationAllstate avg. annual premiumMercury 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

Allstate vs. Mercury: rates by age

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 BRACKET INSURANCE RATE COMPARISON: Mercury VS. Allstate
AgeAllstate avg. annual premiumMercury 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 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.

Discount ComparisonAllstateMercury
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 ComparisonAllstateMercury
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
User Satisfaction

A+

A+

Other ProductsAllstateMercury
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAllstateMercury
AboutAllstate 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 AssistanceEvery 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 DiscountsAllstate 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 QuestionsDo I have to list my spouse as a driver?

I want to make sure because someone told me it is against the law not to have them listed. I ...

Can I still be on my parent’s car insurance?

If I am renting an apartment can I still be on my parents car insurance? I am 22 years old ...

An automated security gate hit my door, should I file a claim or get them to pay for the damages?

There was a parking spot near where the gate extends to and I parked too close. When the door opened, ...

Can an insurance company force add me to a policy even if I do not drive?

My senior parents have full coverage on their car and have been with their insurance company, Allstate, for several years ...

See More Questions
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 MoreAllstate 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. Safe Auto Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAAMercury 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. Safe Auto 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:

Allstate vs Mercury

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