Progressive vs Mercury: Which is Better for You?

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Progressive or Mercury: Which company is best for you?

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.

Find out more: Read full-length reviews of Progressive and Mercury.


Progressive vs. Mercury: by credit level

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
Fair (580-669) $2,127 $1,115
Good (670-739) $1,708 $1,290
Very Good (740-799) $1,453 $1,115
Exceptional (800-850) $1,320 $1,115

Progressive vs. Mercury: by citation

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
DUI/DWI $2,201 $1,882
Reckless driving $2,457 $1,882
Speeding ticket $2,091 $1,457

Progressive vs. Mercury: by age

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
Teens $8,248 $3,417
20s $2,287 $1,554
30s $1,646 $1,554
40s $1,644 $1,115
50s $1,542 $1,086
60s $1,403 $1,034

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.

Discount Comparison Progressive Mercury
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported
Defensive Driver supported
Student Away at School supported supported
Driver Training supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase supported
Pay in Full supported supported
Home Owner supported supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage
Ratings Comparison Progressive Mercury
Financial Strength Question mark icon Superior Superior
JD Power Rankings Question mark icon Below average N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Progressive Mercury
Boat Insurance supported
Condo Insurance supported supported
Life Insurance supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
Other Features Progressive Mercury
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, winching service, flat tire change, battery jump-start, battery charge for electric cars, locksmith service, on-scene labor, 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!
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