Mercury and The Auto Club Group are two of the popular insurance companies in the U.S. Both the insurers have a lot to offer, making it difficult for you to choose between them. However, The Auto Club Group offers the lowest insurance rates compared to Mercury.
To make insurance shopping easy for you we have gathered quotes from both the insurance companies as well as analyzed the carriers based on several rating factors. Find the right insurance policy for you today.
Key takeaways
- The state minimum coverage for Mercury is $792 per year, and The Auto Club Group offers state minimum coverage for $525 annually.
- For customer service, Mercury earned 3 out of 5 stars and The Auto Club Group earned 3.5 out of 5 stars.
- Mercury offers coverage options such as - a mobile app and usage-based telematics. While The Auto Club Group offers coverages such as accident forgiveness, mobile app, and pet injury coverage.
- Multi-vehicle, multi-policy, and safe driver are a few discounts Mercury and The Auto Club Group offer.
- Mercury vs The Auto Club Group: Which one is the cheapest?
- Mercury vs The Auto Club Group: Rates by age group
- Mercury vs The Auto Club Group: Rates for high-risk drivers
- Mercury vs The Auto Club Group: Customer service and tech friendly
- Mercury vs The Auto Club Group: Which has better coverage options?
- Mercury vs The Auto Club Group: Which offers better discounts?
Mercury vs The Auto Club Group: Which one is the cheapest?
If price is what’s most important, The Auto Club Group is likely going to be the better choice. The Auto Club Group usually offers lower rates than Mercury. The Auto Club Group offers full coverage insurance for an average of $2,018 per year and Mercury provides full coverage for $2,472 annually.
The cost of state minimum coverage from The Auto Club Group is $525 per year and Mercury offers state minimum coverage for $792 annually. However, it’s still a good idea to get quotes from both companies though to see what’s better for your specific situation.
| Company | Average annual rate for full coverage | Average annual rate for state minimum coverage |
|---|---|---|
| Mercury | $2,472 | $792 |
| The Auto Club Group | $2,018 | $525 |
Mercury vs The Auto Club Group: Rates by age group
The Auto Club Group has the cheapest insurance rates for most age groups. Insurance companies have different rates depending on your age. They use it as an indicator to determine how much risk a drive poses and then price policies accordingly.
Car insurance rates are higher for teenagers as they are considered high risk by insurers. Teens should consider buying insurance from The Auto Club Group, as its rates are lower than Mercury. The Auto Club Group offers insurance for teenagers at an average of $7,439 per year, whereas Mercury provides insurance to teen drivers for $8,109 annually.
| Age (group) | Mercury | The Auto Club Group |
|---|---|---|
| Adults | $2,264 | $1,940 |
| Seniors | $2,319 | $1,943 |
| Teens | $8,109 | $7,439 |
| Young adults | $3,512 | $3,144 |
Mercury vs The Auto Club Group: Rates for high-risk drivers
In our study we found that Mercury is an affordable insurer for most drivers than The Auto Club Group. Mercury is the cheapest for drivers with a DUI/DWI first offense. Its average annual rate is $3,155 and The Auto Club Group's rates after a DUI/DWI offense is $4,114 per year.
When it comes to finding affordable rates for high-risk drivers, Mercury and The Auto Club Group are two of the best options out there. Although both companies are viable options for high-risk drivers, one may be a better fit for your specific needs. By examining the rates mentioned in the table below, you can make an informed decision about which insurer offers the best rates for your specific situation.
| Profile Value (group) | Mercury | The Auto Club Group |
|---|---|---|
| 1 At-fault property damage accident over $2K | $3,944 | $3,587 |
| 1 At-fault property damage accident under $2K | $3,820 | $3,587 |
| At-fault bodily injury accident | $3,907 | $3,625 |
| Careless driving | $3,359 | $3,312 |
| DUI/DWI first offense | $3,155 | $4,114 |
| Reckless driving | $3,587 | $4,114 |
| Speeding | $3,042 | $3,433 |
Mercury vs The Auto Club Group: Customer service and tech friendly
For customer service, Mercury earned 3 stars out of 5, while The Auto Club Group earned 3.5 stars.
Which insurance company provides a better online experience? Both Mercury and The Auto Club Group offer online quotes comparison. Apart from that, they have easy to use mobile apps that allow you to pay bills, view your profile and file insurance claims.
Mercury vs The Auto Club Group: Which has better coverage options?
Every state has different requirements for car insurance, this is because the laws surrounding driving vary from place to place. However, each insurer offers standard coverage such as liability, comprehensive and collision coverage to make sure you're protected if anything goes wrong.
Both Mercury and The Auto Club Group have a wide range of coverage options. Below table shows the different coverages offered by Mercury and The Auto Club Group:
Mercury vs The Auto Club Group: Which offers better discounts?
Insurance companies offer a variety of discounts to help you save money on your car insurance. While they may not seem like much, these dollar amounts add up to trim your insurance costs. Check out what discount options Mercury and The Auto Club Group offer to policyholders, and which carrier fits your needs.
