GEICO vs. Mercury

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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: premium comparison

 

GEICO vs. Mercury: prices 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.

 
RATES BY CREDIT SCORE: MERCURY VS. GEICO
Credit levelGEICO avg. annual premiumMercury 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: costs for high-risk drivers

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.

 
HIGH-RISK INSURANCE RATE COMPARISON: MERCURY VS. GEICO
InfractionGEICO avg. annual premiumMercury 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: rates by age bracket

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..

 
RATES BY AGE BRACKET: MERCURY VS. GEICO
Age tierGEICO avg. annual premiumMercury 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 ComparisonGEICOMercury
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 ComparisonGEICOMercury
Financial Strength SuperiorSuperior
JD Power Rankings Above averageBelow average
User Satisfaction 4.4/54.4/5
Other ProductsGEICOMercury
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOMercury
About
Roadside Assistance
Additional DiscountsGEICO 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!
Recent QuestionsI made two claims last year. Should I file a third?
If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.
Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.
Which insurance companies will insure a driver without a license?
You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.
Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.
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&nbsp;companies that will allow you to use the roadside no matter whose vehicle&nbsp;you are in.
See More Questions
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