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 | Excellent | Superior |
| JD Power Rankings | Average | N/A |
| User Satisfaction | 4.3/5 | 4.3/5 |
| 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 | 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 |
Can you make your child a permissive user in order to get a discount?
You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.
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.
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.
Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full-time in the house for which the policy applies.
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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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