GEICO vs. Mercury: Which is Better for You?

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GEICO or Mercury: Which company is best for you?

Picking a car insurance company can be tricky: every company's rates differ based on your driving record, location, and age, and insurers offer a variety of perks. GEICO and Mercury are among the most popular car insurance companies, providing competitively priced coverage across many states.

In an effort to take the sting out of shopping for car insurance, we've pulled average insurance rates from Mercury and GEICO. These take into account myriad pricing factors, including credit score, driving behavior, and age. Take a look at these rates and find an affordable policy today.

Looking for in-depth analysis? Check out our full reviews of GEICO and Mercury.


GEICO vs. Mercury: by credit level

If you have very poor credit, Mercury could be preferable to GEICO. Typically, Mercury offers cheaper prices than GEICO for prospective clients with credit scores of lower than 580. Drivers with outstanding credit — a score of 800-plus — should consider GEICO, which typically beats Mercury by $51 per year. View common insurance rates by credit score for Mercury and GEICO below.

Credit level GEICO avg. annual premium Mercury avg. annual premium
Very Poor (300-579) $2,051 $1,115
Fair (580-669) $1,358 $1,115
Good (670-739) $1,485 $1,290
Very Good (740-799) $1,120 $1,115
Exceptional (800-850) $1,064 $1,115

GEICO vs. Mercury: by citation

If you have an at-fault accident, ticket, reckless driving violation, or DUI offense on your record, Mercury could be a better choice than GEICO. Every car insurance company prices its policies differently, so it's worth comparing quotes to understand which insurer suits you.

Infraction GEICO avg. annual premium Mercury avg. annual premium
At-fault accident (damage < $1,000) $1,857 $1,822
At-fault accident (damage > $1,000) $1,580 $1,125
DUI/DWI $2,550 $1,882
Reckless driving $2,238 $1,882
Speeding ticket $1,395 $1,457

GEICO vs. Mercury: by age

Auto insurance companies use age to indicate risk, assigning rates accordingly. Insurance is usually priciest for young drivers — because of their inexperience — and more affordable for middle-aged drivers. Because every insurance company prices age brackets differently, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose Mercury over GEICO: the former's average annual rates are $91 less than the latter's..

Age tier GEICO avg. annual premium Mercury avg. annual premium
Teens $3,508 $3,417
20s $1,438 $1,554
30s $1,218 $1,554
40s $1,189 $1,115
50s $1,160 $1,086
60s $1,065 $1,034

Affordability aside, GEICO and Mercury both have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount Comparison GEICO Mercury
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported supported
Good Driver supported supported
Defensive Driver supported supported
Student Away at School supported
Driver Training supported supported
Green Vehicles
Affinity Membership Alum supported supported
Advanced Purchase supported
Pay in Full supported
Home Owner supported
eSign or ePay
New Vehicle supported
Annual Mileage
Military supported
Ratings Comparison GEICO Mercury
Financial Strength Question mark icon Superior Superior
JD Power Rankings Question mark icon Average N/A
User Satisfaction Question mark icon 4.4/5 4.4/5
Other Products GEICO 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 GEICO Mercury
About GEICO uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers. Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.
Roadside Assistance You can use a mobile app to request service from GEICO's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire. 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 GEICO offers an additional discount for vehicles with daytime running lights as well as discounts for federal employees. Moreover, the company offers the policy feature of accident forgiveness. Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!
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