Mercury vs Safeco: Which is Better for You?

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Mercury or Safeco: Which company is best for you?

Choosing an auto insurance company can be tricky: companies' rates may vary based on your driving record, location, and age, and companies offer an array of perks. Mercury and Safeco are among the top insurance companies, providing competitively priced policies in many states.

In an effort to make shopping for car insurance easier, we gathered average rates from Safeco and Mercury. These cover a number of rating factors, including credit, driving behavior, and demographics. Examine these figures and find your next car insurance policy today.

Want to find out more? Read our comprehensive reviews of Mercury and Safeco.


Mercury vs. Safeco: by credit level

If you have very bad credit, Mercury could be preferable to Mercury. Typically, Mercury offers cheaper rates than Safeco for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or higher — should opt for Mercury, which typically beats Safeco by $540 per year. Check out typical insurance rates by credit level for Safeco and Mercury below.

Credit level Mercury avg. annual premium Safeco avg. annual premium
Very Poor (300-579) $1,115 $5,308
Fair (580-669) $1,115 $2,716
Good (670-739) $1,290 $1,967
Very Good (740-799) $1,115 $1,871
Exceptional (800-850) $1,115 $1,655

Mercury vs. Safeco: by citation

If you are saddled with an at-fault accident, speeding violation, reckless driving citation, or DWI on your driving résumé, Mercury could be a better choice than Safeco. Every car insurance company enacts rate penalties differently, so don't hesitate to shop around to figure out which insurance company suits you.

Violation Mercury avg. annual premium Safeco avg. annual premium
At-fault accident (damage < $1,000) $1,822 $2,546
At-fault accident (damage > $1,000) $1,125 $1,969
DUI/DWI $1,882 $2,796
Reckless driving $1,882 $2,853
Speeding ticket $1,457 $2,512

Mercury vs. Safeco: by age

Car insurance companies rely on age to indicate risk, pricing policies accordingly. Car insurance is commonly priciest for teens — because of their inexperience — and most affordable for older drivers. Because every car insurance company rates age brackets differently, it's a smart move to shop around.

As a general rule, teen drivers should choose Mercury instead of Safeco: Mercury offers average yearly savings of $4,348 versus Safeco.

Age tier Mercury avg. annual premium Safeco avg. annual premium
Teens $3,417 $7,765
20s $1,554 $2,566
30s $1,131 $2,566
40s $1,115 $2,128
50s $1,086 $1,745
60s $1,034 $1,687

Affordability aside, there are myriad pros and cons of both Mercury and Safeco, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount Comparison Mercury Safeco
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported supported
Defensive Driver supported supported
Student Away at School supported supported
Driver Training supported supported
Green Vehicles
Affinity Membership Alum supported supported
Advanced Purchase supported
Pay in Full supported supported
Home Owner supported supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage supported
Ratings Comparison Mercury Safeco
Financial Strength Question mark icon Superior Excellent
JD Power Rankings Question mark icon N/A Average
User Satisfaction Question mark icon N/A N/A
Other Products Mercury Safeco
Boat Insurance supported
Condo Insurance supported supported
Life Insurance
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance
Other Features Mercury Safeco
About Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962. Why customers love Safeco: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust: Safeco Insurance is proud to be part of Liberty Mutual Insurance, a Fortune 100 company, rated “A” by A.M. Best Company. Liberty Mutual is rated “A” by A.M. Best Company.
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. Safeco offers roadside assistance 24/7 as a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.
Additional Discounts Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more! Safeco offers additional discounts such as Advance Quote Discount, New Teen and Preferred Payment. And as a subsidiary of Liberty Mutual, Safeco offers 24/7 claims service.
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