Mercury vs SAFECO Car Insurance

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Mercury or Safeco:
Which Company is Best for You?

Choosing an auto insurance company can be tricky: companies' rates may vary based on your driving record, location, and age, and companies offer an array of perks. Mercury and safeco are among the top insurance companies, providing competitively priced policies in many states.

In an effort to make shopping for car insurance easier, we gathered average rates from safeco and Mercury. These cover a number of rating factors, including credit, driving behavior, and demographics. Examine these figures and find your next car insurance policy today.

Want to find out more? Read our comprehensive reviews of Mercury and Safeco.


Compare Mercury vs. safeco auto insurance rates


Mercury vs. safeco: pricing by credit score

If you have very bad credit, Mercury could be preferable to Mercury. Typically, Mercury offers cheaper rates than safeco for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or higher — should opt for Mercury, which typically beats safeco by $540 per year. Check out typical insurance rates by credit level for safeco and Mercury below.


CREDIT SCORE INSURANCE RATE COMPARISON: safeco VS. Mercury
Credit levelMercury avg. annual premiumsafeco avg. annual premium
Very Poor (300-579)$1,115$5,308
Fair (580-669)$1,115$2,716
Good (670-739)$1,290$1,967
Very Good (740-799)$1,115$1,871
Exceptional (800-850)$1,115$1,655

Mercury vs. safeco: rates for high-risk drivers

If you are saddled with an at-fault accident, speeding violation, reckless driving citation, or DWI on your driving résumé, Mercury could be a better choice than safeco. Every car insurance company enacts rate penalties differently, so don't hesitate to shop around to figure out which insurance company suits you.


RATES BY VIOLATION: safeco VS. Mercury
ViolationMercury avg. annual premiumsafeco avg. annual premium
At-fault accident (damage < $1,000)$1,822$2,546
At-fault accident (damage > $1,000)$1,125$1,969
DUI/DWI$1,882$2,796
Reckless driving$1,882$2,853
Speeding ticket$1,457$2,512

Mercury vs. safeco: rates by age

Car insurance companies rely on age to indicate risk, pricing policies accordingly. Car insurance is commonly priciest for teens — because of their inexperience — and most affordable for older drivers. Because every car insurance company rates age brackets differently, it's a smart move to shop around.

As a general rule, teen drivers should choose Mercury instead of safeco: Mercury offers average yearly savings of $4,348 versussafeco.


RATES BY AGE: safeco VS. Mercury
Age tierMercury avg. annual premiumsafeco avg. annual premium
Teens$3,417$7,765
20s$1,554$2,566
30s$1,131$2,566
40s$1,115$2,128
50s$1,086$1,745
60s$1,034$1,687

Affordability aside, there are myriad pros and cons of both Mercury and safeco, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonMercurySafeco
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 ComparisonMercurySafeco
Financial Strength SuperiorExcellent
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 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsMercurySafeco
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMercurySafeco
AboutRated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.Why customers love us: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust - Safeco Insurance is a proud part of Liberty Mutual Insurance, a Fortune 100 company. Liberty Mutual is rated “A” by A.M. Best Company.
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.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 DiscountsMercury 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 QuestionsCan 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
What can I do about fixing incorrect information on my driving record?
It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.
If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?
The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.
Should I file a claim if my repair cost is $1,500?
In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame.
Can I put my insurance on hold due to temporary disability?
Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future.
See More Questions
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Mercury vs SAFECO

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