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There are a lot of insurance companies out there and it is difficult to know which one is the best for you. Mercury and Geico are among the top auto insurance companies in the United States. Geico has been around since 1936, while Mercury was founded in 1962.

They both have pros and cons depending on your individual needs, but they are typically compared to one another because they offer very similar coverage options.

The more affordable option may not always be the best choice, there are many factors that will help you decide which insurer is the best for you.

Want to know more about these two insurance providers? Read full reviews of Geico and Mercury.

Geico vs Mercury: Average annual rate for full coverage

According to a rate analysis by Insurance.com, Geico is the most affordable option than Mercury. At about $1,304 per year, Geico’s full coverage insurance policy is $554 less expensive than full coverage insurance from Mercury ($1,858).

Geico offers liability only-state minimum coverage for an average of $368 per year. Whereas state minimum coverage from Mercury is $546 annually.

CompanyAverage annual rate for full coverageAverage annual rate for state minimum coverage
Geico$1,304$368
Mercury$1,858$546

Geico vs Mercury: Rate by driver profile

Geico is the cheapest insurance provider for drivers with a history of reckless driving, careless driving, DUI/DWI first offense, at-fault property damage accident and speeding ticket.

Each company has different insurance rates for drivers with traffic violations on their record. Get quotes from different companies so you know which one is best for you.

Profile ValueGeicoMercury
1 At-fault property damage accident over $2K$2,273$4,092
1 At-fault property damage accident under $2K$2,242$3,941
At-fault bodily injury accident$2,300$4,047
Careless driving$1,662$3,444
DUI/DWI first offense$3,138$3,353
Reckless driving$2,623$3,720
Speeding$2,049$3,138

Geico vs Mercury: Customer service

It's important that you make sure you are well taken care of throughout your entire policy term without having any services compromised. Geico earns 4 stars out of 5 and Mercury gets 3 stars out of 5 for customer service, based on Insurance.com's analysis. Always consider your specific situation before making any decisions so that you know what is best for you.

Geico vs Mercury: Which offers better discounts?

Geico and Mercury both offer a variety of discounts, and you can avail yourself of them to reduce the cost of your premium. Some of the available discounts include multi-vehicle, good student, safe driver, and multi-policy. One difference is: Geico offers defensive driving discount, but Mercury doesn't.

Geico vs Mercury: Which is better for coverage?

When it comes to coverage options, Geico and Mercury offer similar packages. However, according to our research: Geico offers more coverage options than Mercury. It offers no drop promise, but it is not available from Mercury.

Geico vs Mercury: Claims processing

Both Geico and Mercury are two extremely popular options when it comes to insurance providers, but which one stands out? As mentioned earlier, both providers have their pros and cons, but Geico has a slightly better rating here as it scores 3.5 stars out of 5 while Mercury gets 3 stars out of 5 for claims processing, based on Insurance.com's analysis.