Mercury vs. Safeco

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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.

 

Compare Mercury vs. Safeco auto insurance rates

 

Mercury vs. Safeco: pricing by credit score

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 SCORE INSURANCE RATE COMPARISON: Safeco VS. Mercury
Credit levelMercury avg. annual premiumSafeco 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: rates for high-risk drivers

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.

 
RATES BY VIOLATION: Safeco VS. Mercury
ViolationMercury avg. annual premiumSafeco 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: rates 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.

 
RATES BY AGE: Safeco VS. Mercury
Age tierMercury avg. annual premiumSafeco 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 ComparisonMercurySafeco
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 ComparisonMercurySafeco
Financial Strength SuperiorExcellent
JD Power Rankings Below averageBelow average
User Satisfaction N/AN/A
Other ProductsMercurySafeco
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMercurySafeco
About
Roadside Assistance
Additional DiscountsMercury 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.
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&nbsp;companies that will allow you to use the roadside no matter whose vehicle&nbsp;you are in.
See More Questions
Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.
See More Questions
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