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.
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 |
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 |
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 | ||
| 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 | GEICO | Mercury |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | N/A | A+ |
| Other Products | GEICO | Mercury |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| 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. 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 Questions | What is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off? The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route. My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask. Can I get accident forgiveness after an accident?I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven. Does State Farm match auto insurance quotes with other companies?In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors. 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 companies that will allow you to use the roadside no matter whose vehicle you are in. What do I do if my vehicle was totaled while parked?I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest. Do I need a police report to file a claim?Accidents that occur on private property do not require a police report in order to file a claim. Your familiarity with the other driver does not impact your ability to file a claim, however the fact that he is uninsured means that you will have to pay your deductible for the repairs. Do I contact the other driver's insurance company if they hit me while at the gas station?If the other party hit your vehicle, and it's pretty clearly they're at fault, then you should contact their insurance for repairs. Parking lot accidents or accidents that occur on private property can be difficult to determine fault, but it sounds like the incident is pretty straight forward. See More Questions |
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