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Deciding on a car insurance company is sometimes difficult: every company's rates differ based on your location, vehicle, and driving record, and every company provides a different set of discounts. Mercury and Erie are among the nation's most popular insurance companies, offering competitively priced coverage across most of the US.
To simplify the comparison process, we gathered average rates from Erie and Mercury. The below cover a variety of rating factors, including credit quality, driving infractions, and age. Take a look at these rates and find an affordable policy today.
If you have very poor credit, Mercury could be a better option for you. Typically, Mercury offers more affordable rates than Erie for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or higher — should lean toward View common insurance costs by credit score for Erie and Mercury:
|Credit level||Mercury avg. annual premium||Erie avg. annual premium|
|Very Poor (300-579)||$1,115||$2,402|
|Very Good (740-799)||$1,115||$743|
If you are dealing with an at-fault accident, speeding ticket, reckless driving violation, or DUI on your résumé, Erie could be a better choice than Mercury. Every insurance company enacts rate penalties differently, so it's worth comparing quotes to figure out which insurer is best for you.
|Violation||Mercury avg. annual premium||Erie avg. annual premium|
|At-fault accident (damage < $1,000)||$1,822||$893|
|At-fault accident (damage > $1,000)||$1,125||$772|
Auto insurance companies rely on a driver's age as an estimator of risk, pricing premiums on a sliding scale. Car insurance is commonly more expensive for teen drivers — because of their inexperience — and relatively affordable for drivers aged 25 or older. Since every insurance company prices age brackets uniquely, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose Erie over Mercury: the former's average annual rates are $1,179 less than the latter's..
|Age tier||Mercury avg. annual premium||Erie avg. annual premium|
Aside from finances, Mercury and Erie both have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||2 out of 5||5 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.||Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of customer service.|
|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.||Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown.|
|Additional Discounts||Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!||Erie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period.|
|Recent Questions||Can I use my roadside assistance if I’m in my friends car?|
What do I do if my vehicle was totaled while parked?
Does Mercury roadside assistance include lockout service if I’m in another persons car?...
Do I need a police report to file a claim?
My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...
Do I contact the other driver’s insurance company if they hit me while at the gas station?
My son’s car was parked at his girlfriend’s parents house. While backing out of the driveway, her brother clipped my ...
See More Questions
I was filling up my car at the gas station and was hit from behind by a Jeep. My insurance ...
|Will Erie reinstate my policy after non-payment?|
I was injured in a car accident two months ago, can I still file a claim?
I have had Erie for 31 years..2 home owners and also auto...
How long can an insurance company wait to pay out your claim?
I was rear ended and didn’t go to the hospital. That was two months ago. Now I can barely walk. ...
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
In Virginia, is there a time limit on how long after a car accident an insurance company can wait to ...
See More Questions
Someone dented the hood of my car by standing on it. I got a repair estimate of $500 and the ...
|Compare More||Mercury vs. 21st Century Mercury vs. Allied Mercury vs. Allstate Mercury vs. American Family Mercury vs. Amica Mutual Insurance Mercury vs. Auto Club (AAA) Mercury vs. Esurance Mercury vs. Farm Bureau Mutual Mercury vs. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. Liberty Mutual Mercury vs. MetLife Mercury vs. Nationwide Mercury vs. North Star Mutual Mercury vs. Progressive Mercury vs. SAFECO Mercury vs. SafeAuto Mercury vs. State Farm Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury vs. USAA||Erie vs. 21st Century Erie vs. Allied Erie vs. Allstate Erie vs. American Family Erie vs. Amica Mutual Insurance Erie vs. Auto Club (AAA) Erie vs. Esurance Erie vs. Farm Bureau Mutual Erie vs. Farmers Erie vs. Foremost Erie vs. GEICO Erie vs. Infinity Erie vs. Liberty Mutual Erie vs. MetLife Erie vs. Nationwide Erie vs. North Star Mutual Erie vs. Progressive Erie vs. SAFECO Erie vs. SafeAuto Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA|
|States Offered||Arizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia||Illinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia|
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