Nationwide vs. Mercury

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Nationwide or Mercury:
Which Company is Best for You?

Deciding on an auto insurance company is difficult: rates fluctuate by driving history, age, and location, and insurers offer a variety of perks. Nationwide and Mercury are two of the most popular insurance companies, offering competitively priced insurance policies in most states across the US.

To simplify the comparison process, we have gathered typical rates from Mercury and Nationwide. These rates cover an array of rating factors, including credit rating, driving record, and age. Compare rates and find an affordable policy today.

Want to find out more? Check out our reviews of Nationwide and Mercury.


Compare Nationwide vs. Mercury auto insurance rates


Nationwide vs. Mercury: prices by credit level

If you have very poor credit, Mercury could be the best option for you. On average, Mercury offers more affordable premiums than Nationwide for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800-plus — should favor Nationwide, which typically beats Mercury by $78 annually. View common insurance rates by credit score for Mercury and Nationwide below.

Credit levelNationwide avg. annual premiumMercury avg. annual premium
Very Poor (300-579)$1,593$1,115
Fair (580-669)$1,262$1,115
Good (670-739)$1,283$1,290
Very Good (740-799)$1,109$1,115
Exceptional (800-850)$1,037$1,115

Nationwide vs. Mercury: high-risk insurance rate comparison

If you've got an at-fault accident, speeding ticket, reckless driving citation, or DUI offense on your driving record, Mercury could be a better choice than Nationwide. Every insurer enacts rate penalties differently, so always do your due diligence and compare quotes to find out which insurance company suits you.

InfractionNationwide avg. annual premiumMercury avg. annual premium
At-fault accident (damage < $1,000)$1,836$1,822
At-fault accident (damage > $1,000)$1,475$1,125
Reckless driving$2,508$1,882
Speeding ticket$1,469$1,457

Nationwide vs. Mercury: rates by age

Insurance companies rely on a driver's age to indicate risk, pricing policies accordingly. Auto insurance is commonly expensive for young drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company prices ages in a different way, it's a smart move to shop around.

As a general rule, teen drivers should choose Mercury instead of Nationwide: the former's average annual rates are $207 less than the latter's.

Age tierNationwide avg. annual premiumMercury avg. annual premium

Affordability aside, Nationwide and Mercury come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonNationwideMercury
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
New Vehicle
Annual Mileage
Ratings ComparisonNationwideMercury
Financial Strength SuperiorSuperior
JD Power Rankings Above averageBelow average
User Satisfaction 4.3/54.3/5
Other ProductsNationwideMercury
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNationwideMercury
Roadside Assistance
Additional DiscountsNationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!
Recent QuestionsCan I get an EMT discount with Nationwide?
To my knowledge, Nationwide does offer discounts to EMT but I'm not 100% if there are any specifics to the state of California. Because car insurance is regulated at the state, there could be some implications regarding California's state legislation that would prohibit employment status from being considered.
What's the ADOT code for Nationwide
The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.
Is accident forgiveness a good idea for me?
You might be a good contender for this policy option. Most lease contracts will require you to keep the vehicle in good condition.
See More 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&nbsp;companies that will allow you to use the roadside no matter whose vehicle&nbsp;you are in.
See More Questions
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