Mercury vs Erie Car Insurance

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Mercury or Erie:
Which Company is Best for You?

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.

 

Mercury vs. Erie: insurance rate comparison

 

Mercury vs. Erie: pricing by credit score

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 SCORE INSURANCE RATE COMPARISON: Erie VS. Mercury
Credit levelMercury avg. annual premiumErie avg. annual premium
Very Poor (300-579)$1,115$2,402
Fair (580-669)$1,115$1,040
Good (670-739)$1,290$894
Very Good (740-799)$1,115$743
Exceptional (800-850)$1,115$726

 

Mercury vs. Erie: high-risk driver rates

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.

 

RATES BY CITATION: Erie VS. Mercury
ViolationMercury avg. annual premiumErie avg. annual premium
At-fault accident (damage < $1,000)$1,822$893
At-fault accident (damage > $1,000)$1,125$772
DUI/DWI$1,882$1,163
Reckless driving$1,882$760
Speeding ticket$1,457$747

 

Mercury vs. Erie: rates by age

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..

 

RATES BY AGE: Erie VS. Mercury
Age tierMercury avg. annual premiumErie avg. annual premium
Teens$3,417$2,238
20s$1,554$1,108
30s$1,131$1,108
40s$1,115$755
50s$1,086$692
60s$1,034$676

 

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.

Discount ComparisonMercuryErie
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 ComparisonMercuryErie
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 out of 5
User Satisfaction

A+

A+

Other ProductsMercuryErie
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMercuryErie
AboutRated 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 AssistanceMercury 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 DiscountsMercury 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
Compare MoreMercury 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. Safe Auto Mercury vs. State Farm Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury vs. USAAErie 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. Safe Auto Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA
States OfferedArizona California Florida Georgia Illinois Nevada New Jersey New York Texas VirginiaIllinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia
Additional Resources:

Mercury vs Erie

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