Deciding on an auto insurer is sometimes difficult: companies' rates may vary based on your driving history, age, and location, and every company provides a different set of discounts. Progressive and Mercury are two of the most popular insurers, providing competitively priced policies in most states across the US.
To help simplify the insurance-shopping process, we gathered average insurance rates from Mercury and Progressive. The below cover a number of rating factors, including credit rating, driving behavior, and age. Examine these rates and find the right policy for you.
If you have very poor credit, Mercury could be a better option for you. On average, Mercury offers more affordable premiums than Progressive for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or higher — should favor Check out average insurance rates by credit tier for Mercury and Progressive:
|Credit level||Progressive avg. annual premium||Mercury avg. annual premium|
|Very Poor (300-579)||$3,602||$1,115|
|Very Good (740-799)||$1,453||$1,115|
If you're dealing with an at-fault accident, ticket, reckless driving violation, or DUI in your rear view mirror, Mercury could be a better choice than Progressive. Each insurer enacts rate penalties differently, so don't be afraid to shop around to figure out which insurer suits you.
|Violation||Progressive avg. annual premium||Mercury avg. annual premium|
|At-fault accident (damage < $1,000)||$2,720||$1,822|
|At-fault accident (damage > $1,000)||$2,245||$1,125|
Auto insurance companies use a driver's age to outline potential risk, pricing policies accordingly. Car insurance is usually priciest for drivers younger than 25 — due to their increased odds of being involved in an accident — and relatively affordable for middle-aged drivers. Since each insurance company rates ages uniquely, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose Mercury before Progressive: the former's average annual rates are $4,831 less than the latter's..
|Age tier||Progressive avg. annual premium||Mercury avg. annual premium|
Cost aside, Progressive and Mercury both have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
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|About||Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents, you can choose the coverage options that make the most sense to you.||Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.|
|Roadside Assistance||Progressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's 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.|
|Additional Discounts||Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.||Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!|
|Recent Questions||Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?|
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.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 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
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