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Choosing an auto insurer is sometimes difficult: rates vary based on your location, vehicle, and driving record, and companies offer an array of perks. Mercury and Infinity are two of the most popular insurance companies, selling competitively priced policies in most US states.
In an effort to simplify the process of comparing insurance companies, we have gathered typical premiums from Infinity and Mercury. The below cover a variety of rating factors, including credit rating, driving history, and demographics. Examine these figures and find the perfect policy for you.
Looking for additional insights? Check out our comprehensive reviews of Mercury and Infinity.
If you have very poor credit, Mercury could be a better option for you. On average, Mercury offers better premiums than Infinity for drivers with credit scores of less than 580. Insurance shoppers with extraordinary credit — a score of 800 or better — should lean toward Mercury, which typically beats Infinity by $2,766 per year. View common insurance rates by credit level for Infinity and Mercury below.
| Credit score | Mercury avg. annual premium | Infinity avg. annual premium |
| Very Poor (300-579) | $1,115 | $7,847 |
| Fair (580-669) | $1,115 | $4,862 |
| Good (670-739) | $1,290 | $3,955 |
| Very Good (740-799) | $1,115 | $4,045 |
| Exceptional (800-850) | $1,115 | $3,881 |
If you are carrying an at-fault collision, speeding ticket, reckless driving violation, or DUI on your driving résumé, Mercury could be a better choice than Infinity. Every insurance company has different post-violation pricing structures, so don't be afraid to shop around to find out which insurer is best for you.
| Infraction | Mercury avg. annual premium | Infinity avg. annual premium |
| At-fault accident (damage < $1,000) | $1,822 | $5,774 |
| At-fault accident (damage > $1,000) | $1,125 | $4,487 |
| DUI/DWI | $1,882 | $6,124 |
| Reckless driving | $1,882 | $6,124 |
| Speeding ticket | $1,457 | $4,174 |
Insurance companies use age as an indicator of potential risk, assigning rates accordingly. A car insurance policy is usually priciest for teen drivers — due to their increased odds of being involved in an accident — and relatively affordable for drivers aged 25 or older. Because every insurance company evaluates age tiers in a different way, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose Mercury over Infinity: Mercury offers average yearly savings of $12,874, compared to Infinity.
| Age tier | Mercury avg. annual premium | Infinity avg. annual premium |
| Teens | $3,417 | $16,291 |
| 20s | $1,554 | $5,588 |
| 30s | $1,131 | $5,588 |
| 40s | $1,115 | $4,077 |
| 50s | $1,086 | $3,716 |
| 60s | $1,034 | $3,365 |
Setting aside cost, Mercury and Infinity each come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
| Discount Comparison | Mercury | Infinity |
|---|---|---|
| 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 | Mercury | Infinity |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A+ | A+ |
| Other Products | Mercury | Infinity |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Mercury | Infinity |
|---|---|---|
| About | Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962. | Infinity provides non-standard car insurance to drivers who represent higher than normal risks and would otherwise pay higher rates for comparable coverage. |
| Roadside Assistance | 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. | Infinity's 24 hour roadside assistance is available for towing to the nearest repair facility and labor cost at the site of your disablement. Infinity covers up to 5 disablements within a 12 month period. |
| Additional Discounts | Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more! | Infinity offers an additional discount in most states for registering your policy account profile online. |
| Recent 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 | Is it worth filing a claim for a scratch on my car that happened when it was parked? If the scratch was the result of vandalism and not caused by another vehicle then filing a comprehensive claim should have little to no impact on your future rates. This also means that you will have to pay your comprehensive coverage deductible for the repair. When filling out quotes, do I have to disclose an accident that my friend had while driving my car?The questions pertains to you as a driver. The same would go for tickets. If I file a claim for denting my car door on a beam, will my insurance rate increase?Filing a claim where you were the cause of damage will most likely result in an increase in your rate. In Texas, the average increase in premium for an at-fault accident is $817 per year, based on our State of Insurance report. See More Questions |
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| States Offered | Arizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |