21st Century vs Mercury: Which is Better for You?
Compare rates from the top car insurance companies in your area.
21st Century or Mercury: Which company is best for you?
Deciding on a car insurance company can be hard: every company's rates differ based on your driving record, age, and location, and companies offer an array of perks. 21st Century and Mercury are two of the most popular insurance companies, providing affordable insurance policies in many states.
In an effort to simplify the comparison process, we have gathered average rates from Mercury and 21st Century. The below cover a variety of pricing factors, including credit, driving history, and age. Examine these figures and find an affordable policy today.
Want to find out more? Check out our comprehensive reviews of 21st Century and Mercury.
21st Century vs. Mercury: by credit level
If you have very bad credit, Mercury could be the best option for you. On average, Mercury offers more affordable premiums than 21st Century for drivers with credit scores of lower than 580. Those with excellent credit — a score of 800 or higher — should consider Check out average insurance rates by credit tier for Mercury and 21st Century below.
INSURER RATES BY CREDIT SCORE: MERCURY VS. 21ST CENTURY
| Credit score | 21st Century avg. annual premium | Mercury avg. annual premium |
| Very Poor (300-579) | $1,363 | $1,115 |
| Fair (580-669) | $1,363 | $1,115 |
| Good (670-739) | $1,657 | $1,290 |
| Very Good (740-799) | $1,363 | $1,115 |
| Exceptional (800-850) | $1,363 | $1,115 |
21st Century vs. Mercury: by citation
If you've got an at-fault accident, speeding violation, reckless driving citation, or DUI offense in your rear view mirror, Mercury could be a better choice than 21st Century. Every insurance company prices its policies differently, so don't be afraid to shop around to figure out which insurer is best for you.
INSURER RATES BY VIOLATION: MERCURY VS. 21ST CENTURY
| Violation | 21st Century avg. annual premium | Mercury avg. annual premium |
| At-fault accident (damage < $1,000) | $2,440 | $1,822 |
| At-fault accident (damage > $1,000) | $1,273 | $1,125 |
| DUI/DWI | $3,949 | $1,882 |
| Reckless driving | $3,949 | $1,882 |
| Speeding ticket | $1,781 | $1,457 |
21st Century vs. Mercury: by age
Insurers use a driver's age as an indicator of potential risk, pricing policies accordingly. Auto insurance is commonly more expensive for teen drivers — due to their inexperience — and more affordable for middle-aged drivers. Because every car insurance company evaluates age tiers differently, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose Mercury over 21st Century: the former's average annual rates are $1,816 less than the latter's..
INSURER RATES BY AGE: MERCURY VS. 21ST CENTURY
| Age tier | 21st Century avg. annual premium | Mercury avg. annual premium |
| Teens | $5,233 | $3,417 |
| 20s | $1,795 | $1,554 |
| 30s | $1,342 | $1,554 |
| 40s | $1,313 | $1,115 |
| 50s | $1,244 | $1,086 |
| 60s | $1,117 | $1,034 |
Aside from finances, 21st Century and Mercury come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.
| Discount Comparison | 21st Century | Mercury |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles |
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| Affinity Membership Alum |
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| Advanced Purchase |
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| Pay in Full |
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| Home Owner |
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| eSign or ePay | ||
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| New Vehicle |
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| Military |
| Ratings Comparison | 21st Century | Mercury |
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| Financial Strength | Excellent | Superior |
| JD Power Rankings | N/A | N/A |
| User Satisfaction | N/A | N/A |
| Other Products | 21st Century | Mercury |
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| Other Features | 21st Century | Mercury |
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| About | 21st Century, part of the Farmers Insurance Group, is a leading US insurer of automobiles, dedicated to providing customers with superior coverage and service. | Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962. |
| Roadside Assistance | 21st Century customers are automatically enrolled in the 21st Roadside Assistance program at no additional cost. 21st Roadside Assistance provides 24/7 towing, lock-out service and other emergency services, limited to five service calls per vehicle per calendar year. 21st Roadside Assistance coverage is provided for up to $75 ($80 in TX, $100 in NC) in roadside services. Service applies to labor only. Parts (tires, batteries, belts, etc.) and gasoline are not included. | 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 | 21st Century offers an additional discount for seniors in select states. | Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more! |
| Top States | California | Arizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia |