Mercury vs Safe Auto Car Insurance

Compare rates from the top car insurance companies in your area.

or
Location pin icon
No junk mail. No spam calls. Free quotes.

Let us find you cheaper insurance quotes for free.

Provide some basic info so we can find your personalized quotes from top insurance companies.

or
Location pin icon
No junk mail. No spam calls. Free quotes.

Mercury or Safe Auto:
Which Company is Best for You?

Deciding on an auto insurance company is sometimes difficult: rates can fluctuate by location, age, and driving history, and every company provides a different set of discounts. Mercury and Safe Auto are two of the most popular car insurance companies, providing affordable policies in most American states.

To take the sting out of shopping for car insurance, we've gathered average insurance rates from Safe Auto and Mercury. The below cover a variety of rating factors, chief among which are credit rating, driving history, and age. Examine these rates and find an affordable policy today.

Find out more: Read our comprehensive reviews of Mercury and Safe Auto.


Comparing car insurance rates: Mercury vs. Safe Auto


Mercury vs. Safe Auto: by credit level

If you have extremely bad credit, Mercury could be a better option for you. On average, Mercury offers more affordable premiums than Safe Auto for prospective clients with credit scores of 579 or less. Those with exceptional credit — a score of 800 or higher — should lean toward Mercury, which typically beats Safe Auto by $806 per year. Check out typical insurance rates by credit tier for Safe Auto and Mercury:


CREDIT SCORE INSURANCE RATE COMPARISON: Safe Auto VS. Mercury
Credit scoreMercury avg. annual premiumSafe Auto avg. annual premium
Very Poor (300-579)$1,115$3,799
Fair (580-669)$1,115$2,483
Good (670-739)$1,290$3,358
Very Good (740-799)$1,115$1,937
Exceptional (800-850)$1,115$1,921

Mercury vs. Safe Auto: rates for bad drivers

If you've got an at-fault accident, speeding violation, reckless driving violation, or DUI on your driving record, Mercury could be a better choice than Safe Auto. Each insurer prices its policies differently, so don't hesitate to shop around to figure out which insurance company suits you.


RATES BY CITATION: Safe Auto VS. Mercury
CitationMercury avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$1,822$2,867
At-fault accident (damage > $1,000)$1,125$2,837
DUI/DWI$1,882$2,867
Reckless driving$1,882$2,867
Speeding ticket$1,457$2,738

Mercury vs. Safe Auto: rates by age

Insurance companies use age to estimate risk, assigning rates on a sliding scale. Car insurance is commonly priciest for young drivers — due to their increased odds of being involved in an accident — and relatively affordable for older drivers. Because every insurance company prices age tiers differently, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose Mercury over Safe Auto: Mercury offers average yearly savings of $4,845, compared to Safe Auto.


RATES BY AGE: Safe Auto VS. Mercury
AgeMercury avg. annual premiumSafe Auto avg. annual premium
Teens$3,417$8,262
20s$1,554$2,764
30s$1,131$2,764
40s$1,115$2,053
50s$1,086$1,862
60s$1,034$1,707

Affordability aside, Mercury and Safe Auto each have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonMercurySafe Auto
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 ComparisonMercurySafe Auto
Financial Strength SuperiorGood
JD Power Rankings
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsMercurySafe Auto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMercurySafe Auto
AboutRated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.Safe Auto strives to provide affordable insurance to every driver, no matter the situation.
Roadside AssistanceMercury 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.Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
Additional DiscountsMercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.
Recent QuestionsCan 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
Should I get full coverage from a less well-known insurer?
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.
Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.
If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.
Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.
See More Questions
Compare MoreMercury vs. 21st Century Mercury vs. Allied Mercury vs. Allstate Mercury vs. American Family Mercury vs. Amica Mutual Insurance Mercury vs. Auto Club (AAA) Mercury vs. Erie Mercury vs. Esurance Mercury vs. Farm Bureau Mutual Mercury vs. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. Liberty Mutual Mercury vs. MetLife Mercury vs. Nationwide Mercury vs. North Star Mutual Mercury vs. Progressive Mercury vs. Safeco Mercury vs. State Farm Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury vs. USAASafe Auto vs. 21st Century Safe Auto vs. Allied Safe Auto vs. Allstate Safe Auto vs. American Family Safe Auto vs. Amica Mutual Insurance Safe Auto vs. Auto Club (AAA) Safe Auto vs. Erie Safe Auto vs. Esurance Safe Auto vs. Farm Bureau Mutual Safe Auto vs. Farmers Safe Auto vs. Foremost Safe Auto vs. GEICO Safe Auto vs. Infinity Safe Auto vs. Liberty Mutual Safe Auto vs. MetLife Safe Auto vs. Nationwide Safe Auto vs. North Star Mutual Safe Auto vs. Progressive Safe Auto vs. Safeco Safe Auto vs. State Farm Safe Auto vs. The General Safe Auto vs. The Hartford Safe Auto vs. Titan Safe Auto vs. Travelers Safe Auto vs. USAA
States OfferedArizona California Florida Georgia Illinois Nevada New Jersey New York Texas VirginiaArizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia