Nationwide vs Mercury Car Insurance

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Nationwide or Mercury:
Which Company is Best for You?

Deciding on an auto insurance company is difficult: rates fluctuate by driving history, age, and location, and insurers offer a variety of perks. Nationwide and Mercury are two of the most popular insurance companies, offering competitively priced insurance policies in most states across the US.

To simplify the comparison process, we have gathered typical rates from Mercury and Nationwide. These rates cover an array of rating factors, including credit rating, driving record, and age. Compare rates and find an affordable policy today.

Want to find out more? Check out our reviews of Nationwide and Mercury.


Compare Nationwide vs. Mercury auto insurance rates


Nationwide vs. Mercury: prices by credit level

If you have very poor credit, Mercury could be the best option for you. On average, Mercury offers more affordable premiums than Nationwide for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800-plus — should favor Nationwide, which typically beats Mercury by $78 annually. View common insurance rates by credit score for Mercury and Nationwide below.


RATES BY CREDIT SCORE: Mercury VS. Nationwide
Credit levelNationwide avg. annual premiumMercury avg. annual premium
Very Poor (300-579)$1,593$1,115
Fair (580-669)$1,262$1,115
Good (670-739)$1,283$1,290
Very Good (740-799)$1,109$1,115
Exceptional (800-850)$1,037$1,115

Nationwide vs. Mercury: high-risk insurance rate comparison

If you've got an at-fault accident, speeding ticket, reckless driving citation, or DUI offense on your driving record, Mercury could be a better choice than Nationwide. Every insurer enacts rate penalties differently, so always do your due diligence and compare quotes to find out which insurance company suits you.


RATES BY VIOLATION: Mercury VS. Nationwide
InfractionNationwide avg. annual premiumMercury avg. annual premium
At-fault accident (damage < $1,000)$1,836$1,822
At-fault accident (damage > $1,000)$1,475$1,125
DUI/DWI$2,691$1,882
Reckless driving$2,508$1,882
Speeding ticket$1,469$1,457

Nationwide vs. Mercury: rates by age

Insurance companies rely on a driver's age to indicate risk, pricing policies accordingly. Auto insurance is commonly expensive for young drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company prices ages in a different way, it's a smart move to shop around.

As a general rule, teen drivers should choose Mercury instead of Nationwide: the former's average annual rates are $207 less than the latter's..


AGE BRACKET INSURANCE RATE COMPARISON: Mercury VS. Nationwide
Age tierNationwide avg. annual premiumMercury avg. annual premium
Teens$3,624$3,417
20s$1,582$1,554
30s$1,163$1,554
40s$1,151$1,115
50s$1,114$1,086
60s$1,028$1,034

Affordability aside, Nationwide and Mercury come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonNationwideMercury
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 ComparisonNationwideMercury
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
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
User Satisfaction

A+

A+

Other ProductsNationwideMercury
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNationwideMercury
AboutNationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.
Roadside AssistanceNationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home.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 DiscountsNationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!
Recent QuestionsWhat's the ADOT code for Nationwide
The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.
Will an insurance company tell me if someone has paid a loan off?
Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle.
I was rear-ended but the driver drove off before we exchanged information
The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information.
If I hit an uninsured driver, can he go after me for damages?
Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault.
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Can 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
Compare MoreNationwide vs. 21st Century Nationwide vs. Allstate Nationwide vs. American Family Nationwide vs. Amica Mutual Insurance Nationwide vs. Auto Club (AAA) Nationwide vs. Erie Nationwide vs. Esurance Nationwide vs. Farm Bureau Mutual Nationwide vs. Farmers Nationwide vs. Foremost Nationwide vs. GEICO Nationwide vs. Infinity Nationwide vs. Liberty Mutual Nationwide vs. MetLife Nationwide vs. North Star Mutual Nationwide vs. Progressive Nationwide vs. Root Insurance Nationwide vs. Safe Auto Nationwide vs. Safeco Nationwide vs. State Farm Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers Nationwide vs. USAAMercury 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. Farm Bureau Mutual Mercury vs. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. Liberty Mutual Mercury vs. MetLife Mercury vs. North Star Mutual Mercury vs. Progressive Mercury vs. Safe Auto Mercury vs. Safeco Mercury vs. State Farm Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia
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Nationwide vs Mercury

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