Allstate vs. Mercury

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Allstate or Mercury: Which Company is Best for You?

Selecting an auto insurance company can be complicated: rates can vary based on your driving history, location, and age, and every company's discounts differ. Allstate and Mercury are among the nation's most popular insurers, offering high-quality insurance policies in most US states.

In an effort to make insurance shopping seamless, we gathered average insurance premiums from Mercury and Allstate. These take into consideration a number of rating factors, including credit, driving infractions, and age. Examine these rates and find your next car insurance policy today.


Allstate vs. Mercury: insurance rate comparison


Allstate vs. Mercury: rate comparison by credit level

If you have very poor credit, Mercury could be the best option for you. Typically, Mercury offers better rates than Allstate for drivers with credit scores of less than 580. Drivers with outstanding credit — a score of 800 or better — should lean toward Check out common insurance rates by credit tier for Mercury and Allstate:

As Mercury primarily sells policies in California, the insurer's rates don't vary much on the basis of credit score. California is one of the several US states that does not allow insurance companies to rely on credit as a way to assign premiums.

Credit level Allstate avg. annual premium Mercury avg. annual premium
Very Poor (300-579) $3,117 $1,367
Fair (580-669) $2,162 $1,367
Good (670-739) $2,021 $1,367
Very Good (740-799) $1,820 $1,367
Exceptional (800-850) $1,743 $1,367

Allstate vs. Mercury: high-risk driver rates

If you're dealing with an at-fault accident, speeding ticket, reckless driving violation, or DUI in your rear view mirror, Mercury could be a better choice than Allstate. Every car insurance company will handle driving offenses differently, so don't be afraid to shop around to understand which insurer is best for you.

Infraction 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
DUI/DWI $3,637 $1,882
Reckless driving $3,388 $1,882
Speeding ticket $2,256 $1,457

Allstate vs. Mercury: rates by age bracket

Car insurance companies use a driver's age as an indicator of potential risk, pricing premiums accordingly. Auto insurance is commonly more expensive for young drivers — because of their inexperience — and relatively affordable for drivers aged 25 or older. Because every insurance company prices ages uniquely, it's worth shopping around and finding the best rate for you.

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 tier Allstate avg. annual premium Mercury 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

Finances aside, Allstate and Mercury each carry pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount Comparison Allstate Mercury
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported
Good Driver supported supported
Defensive Driver supported
Student Away at School supported supported
Driver Training supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase supported supported
Pay in Full supported supported
Home Owner supported
eSign or ePay
Telematics supported
New Vehicle supported
Annual Mileage
Ratings Comparison Allstate Mercury
Financial Strength Question mark icon Excellent Superior
JD Power Rankings Question mark icon Average N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Allstate Mercury
Boat Insurance supported
Condo Insurance supported supported
Life Insurance supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
Other Features Allstate Mercury
About Insurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today. Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.
Roadside Assistance Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). 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 Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?
While I can't say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn't have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.
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Can I use my roadside assistance if I'm in my friends car?
When you have roadside assistance through your insurance company, the service is only available on the vehicle that the coverage is listed. There are other roadside companies that will allow you to use the roadside no matter whose vehicle you are in.
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