Mercury vs Infinity: Which is Better for You?
Compare rates from the top car insurance companies in your area.
Mercury or Infinity: Which company is best for you?
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.
Mercury vs. Infinity: by credit level
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.
INSURER RATES BY CREDIT SCORE: INFINITY VS. MERCURY
| 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 |
Mercury vs. Infinity: by citation
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.
INSURER RATES BY VIOLATION: INFINITY VS. MERCURY
| 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 |
Mercury vs. Infinity: by age
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.
INSURER RATES BY AGE: INFINITY VS. MERCURY
| 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 |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles | ||
| Affinity Membership Alum |
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| Advanced Purchase |
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| Pay in Full |
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| eSign or ePay | ||
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| Military |
| Ratings Comparison | Mercury | Infinity |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | N/A | N/A |
| User Satisfaction |
A+ |
A+ |
| Other Products | Mercury | Infinity |
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| Condo Insurance |
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| Travel Trailer Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| Other Features | Mercury | Infinity |
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| 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. |
| Top States | Arizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |