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 | Above average | Below average |
| User Satisfaction | 4.4/5 | 4.4/5 |
| Other Products | GEICO | Mercury |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |