Deciding on a car insurance company can be hard: companies' rates differ by driving record, location, and age, and every company provides a different set of discounts. Mercury and SAFECO are two of the most popular insurance companies, offering competitively priced policies in most US states.
In an effort to take the sting out of shopping for car insurance, we gathered average policy prices from SAFECO and Mercury. The below rates cover a number of rating factors, including credit rating, driving record, and age. Take a look at these rates and find your next car insurance policy today.
If you have very poor credit, Mercury could be the way to go. On average, Mercury offers more affordable premiums than SAFECO for drivers with credit scores of 579 or less. Those with exceptional credit — a score of 800 or higher — should consider Mercury, which typically beats SAFECO by $540 per year. View common insurance rates by credit tier for SAFECO and Mercury:
|Credit level||Mercury avg. annual premium||SAFECO avg. annual premium|
|Very Poor (300-579)||$1,115||$5,308|
|Very Good (740-799)||$1,115||$1,871|
If you're saddled with an at-fault crash, speeding ticket, reckless driving violation, or DWI on your record, Mercury could be a better choice than SAFECO. Every insurer has different post-violation pricing structures, so always do your due diligence and compare quotes to figure out which insurer suits you.
|Violation||Mercury avg. annual premium||SAFECO avg. annual premium|
|At-fault accident (damage < $1,000)||$1,822||$2,546|
|At-fault accident (damage > $1,000)||$1,125||$1,969|
Insurance companies use age to outline risk potential, assigning rates accordingly. An auto insurance policy is often most expensive for beginning and young drivers — due to their increased odds of being involved in an accident — and relatively affordable for middle-aged drivers. Because each insurance company rates age brackets uniquely, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose Mercury before SAFECO: Mercury offers average yearly savings of $4,348, compared to SAFECO.
|Age tier||Mercury avg. annual premium||SAFECO avg. annual premium|
Cost aside, Mercury and SAFECO come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||2 out of 5||3 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.||At Safeco Insurance, we promise to make it easy for you, to provide the coverage you need, to connect you with local agents who offer personal advice, and most important of all - to be there for you when you need us most. When you have a claim, we take care of it. It’s that simple. We’re backed by the financial strength of Liberty Mutual Insurance, ranked on the Fortune 100 list of the largest U.S. corporations. Trust Safeco with your auto investment, today!|
|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.||Safeco offers roadside assistance 24/7 as an option to your policy and includes coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.|
|Additional Discounts||Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!||Safeco is a subsidiary of Liberty Mutual and offers claim service 24/7.|
|Recent Questions||What do I do if my vehicle was totaled while parked?|
Do I need a police report to file a claim?
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Can I add my golf cart to my insurance policy?
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|What can I do about fixing incorrect information on my driving record?|
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I called to get an insurance quote to see if I could get a lower rate and was told there ...
Should I file a claim if my repair cost is $1,500?
My daughter hit a car at a red light. The vehicle is worth less than a $1,000, but we are ...
Can I put my insurance on hold due to temporary disability?
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|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. Erie Mercury vs. Esurance Mercury vs. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. Liberty Mutual Mercury vs. MetLife Mercury vs. Nationwide Mercury vs. Progressive Mercury vs. Safe Auto Mercury vs. State Farm Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury vs. USAA||SAFECO vs. 21st Century SAFECO vs. Allied SAFECO vs. Allstate SAFECO vs. American Family SAFECO vs. Amica Mutual Insurance SAFECO vs. Auto Club (AAA) SAFECO vs. Erie SAFECO vs. Esurance SAFECO vs. Farmers SAFECO vs. Foremost SAFECO vs. GEICO SAFECO vs. Infinity SAFECO vs. MetLife SAFECO vs. Nationwide SAFECO vs. Progressive SAFECO vs. Safe Auto SAFECO vs. State Farm SAFECO vs. The General SAFECO vs. The Hartford SAFECO vs. Titan SAFECO vs. Travelers SAFECO vs. USAA|
|States Offered||Arizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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