Allstate vs Mercury: Which is Better 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: 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.

INSURER RATES BY CREDIT SCORE: MERCURY VS. ALLSTATE

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: by citation

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.

INSURER RATES BY VIOLATION: MERCURY VS. ALLSTATE

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: by age

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..

INSURER RATES BY AGE: MERCURY VS. ALLSTATE

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.