Allstate vs Mercury: Which is Better for You?
Compare rates from the top car insurance companies in your area.
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: 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|
|Very Good (740-799)||$1,820||$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|
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|
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.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||Average||N/A|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|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!|
|Top States||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia|