Progressive vs Mercury Car Insurance

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Progressive or Mercury:
Which Company is Best for You?

Choosing a car insurance company is sometimes difficult: rates can fluctuate based on your driving history, location, and age, and every company provides a different set of discounts. Progressive and Mercury are among the most popular car insurance companies, selling competitively priced insurance policies in most states.

To take the sting out of shopping for car insurance, we gathered average rates from Mercury and Progressive. The below rates cover a variety of pricing factors, including credit quality, driving record, and age. Examine these figures and find an affordable policy today.

 

Comparing car insurance rates: Progressive vs. Mercury

 

Progressive vs. Mercury: pricing by credit score

If you have very poor credit, Mercury could be the way to go. On average, Mercury offers cheaper rates than Progressive for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800-plus — should opt for Check out common insurance rates by credit level for Mercury and Progressive below.

 

RATES BY CREDIT LEVEL: Mercury VS. Progressive
Credit levelProgressive avg. annual premiumMercury avg. annual premium
Very Poor (300-579)$3,602$1,115
Fair (580-669)$2,127$1,115
Good (670-739)$1,708$1,290
Very Good (740-799)$1,453$1,115
Exceptional (800-850)$1,320$1,115

 

Progressive vs. Mercury: costs for high-risk drivers

If you're dealing with an at-fault collision, speeding ticket, reckless driving violation, or DWI on your driving record, Mercury could be a better choice than Progressive. Each insurer prices policies differently after a violation, so don't be afraid to shop around to find out which insurance company suits you.

 

RATES BY CITATION: Mercury VS. Progressive
ViolationProgressive avg. annual premiumMercury avg. annual premium
At-fault accident (damage < $1,000)$2,720$1,822
At-fault accident (damage > $1,000)$2,245$1,125
DUI/DWI$2,201$1,882
Reckless driving$2,457$1,882
Speeding ticket$2,091$1,457

 

Progressive vs. Mercury: rates by age

Insurers rely on age to indicate risk, assigning rates on a sliding scale. A car insurance policy is commonly more expensive for teen drivers — because of their inexperience — and most affordable for drivers aged 25 or older. Because every insurance company evaluates age brackets uniquely, it's a smart move to shop around.

As a general rule, teen drivers should choose Mercury over Progressive: the former's average annual rates are $4,831 less than the latter's..

 

RATES BY AGE: Mercury VS. Progressive
Age tierProgressive avg. annual premiumMercury avg. annual premium
Teens$8,248$3,417
20s$2,287$1,554
30s$1,646$1,554
40s$1,644$1,115
50s$1,542$1,086
60s$1,403$1,034

 

Aside from finances, Progressive and Mercury each carry pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonProgressiveMercury
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 ComparisonProgressiveMercury
Financial Strength SuperiorSuperior
JD Power Rankings
3 out of 5
2 out of 5
User Satisfaction

A+

A+

Other ProductsProgressiveMercury
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesProgressiveMercury
AboutProgressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.
Roadside AssistanceProgressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's 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.
Additional DiscountsProgressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!
Recent QuestionsWhy won’t my insurance recognize or cover Tesla labor rates?

I was at fault for an accident in my new Tesla Model 3. I have Progressive insurance and they do ...

I’m selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?

I’m in the process of selling my car and will be without a vehicle for the first time in years. ...

Does progressive auto insurance cover house property damage?

I was in an automobile accident and caused damage to a fence and to a side of a house. Does ...

Will my car insurance cover me after a theft

Somebody break into my car. I try to to file a claim but the employee told me I won’t get ...

See More Questions
Can I use my roadside assistance if I’m in my friends car?

Does Mercury roadside assistance include lockout service if I’m in another persons car?...

What do I do if my vehicle was totaled while parked?

My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...

Do I need a police report to file a claim?

My son’s car was parked at his girlfriend’s parents house. While backing out of the driveway, her brother clipped my ...

Do I contact the other driver’s insurance company if they hit me while at the gas station?

I was filling up my car at the gas station and was hit from behind by a Jeep. My insurance ...

See More Questions
Compare MoreProgressive vs. 21st Century Progressive vs. Allied Progressive vs. Allstate Progressive vs. American Family Progressive vs. Amica Mutual Insurance Progressive vs. Auto Club (AAA) Progressive vs. Elephant Progressive vs. Erie Progressive vs. Esurance Progressive vs. Farm Bureau Mutual Progressive vs. Farmers Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Liberty Mutual Progressive vs. MetLife Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. North Star Mutual Progressive vs. Root Progressive vs. SAFECO Progressive vs. SafeAuto Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive 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. Nationwide Mercury vs. North Star Mutual 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
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia
Additional Resources:

Progressive vs Mercury

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