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.
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 |
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 |
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 | ||
| 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 | Allstate | Mercury |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | Allstate | Mercury |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Allstate | Mercury |
|---|---|---|
| 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? You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy. Can I still be on my parent's car insurance?Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle. An automated security gate hit my door, should I file a claim or get them to pay for the damages?It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost. Can an insurance company force add me to a policy even if I do not drive?Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy. See More Questions | 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. What do I do if my vehicle was totaled while parked?I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest. Do I need a police report to file a claim?Accidents that occur on private property do not require a police report in order to file a claim. Your familiarity with the other driver does not impact your ability to file a claim, however the fact that he is uninsured means that you will have to pay your deductible for the repairs. Do I contact the other driver's insurance company if they hit me while at the gas station?If the other party hit your vehicle, and it's pretty clearly they're at fault, then you should contact their insurance for repairs. Parking lot accidents or accidents that occur on private property can be difficult to determine fault, but it sounds like the incident is pretty straight forward. See More Questions |
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