Mercury vs. Travelers: Which offers the cheapest auto insurance rates?

Mercury vs. Travelers: Which one is the cheapest?

Travelers state minimum coverage costs an average of $518 annually, while Mercury costs $607.

For full coverage with 100/300/100 in liability and $500 deductibles for comprehensive and collision, Travelers costs an average of $1,606 annually. Mercury is more expensive, with an average cost of $2,314.

It's always smart to compare quotes because prices and required coverage can change depending on your state and individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
Mercury	$2,314	$607	$975
Travelers	$1,606	$518	$646

Mercury vs. Travelers: Rates by age group

For teens – one of the most expensive age groups to insure – Travelers has the cheapest rates, coming in at $4,834 per year. Mercury costs an average of $7,475 for a teen driver.

Age affects insurance rates greatly. Companies consider factors like speeding, accidents, and distracted driving. They see teen drivers as high-risk, making them one of the most expensive groups to insure. Rates usually drop as you get older.

For example, adults pay an average of $1,615 with Travelers, while Mercury costs $2,369 for an adult, on average.

Age group	Mercury	Travelers
Teens	$7,475	$4,834
Young adults	$3,989	$2,476
Adults	$2,369	$1,615
Seniors	$2,344	$1,590

Mercury vs. Travelers: Rates for high-risk drivers

Travelers has the lowest rates for high-risk drivers. A high-risk driver is someone with several speeding tickets, accidents or a serious offense like a DUI on their record. This can make it hard to get affordable car insurance.

For drivers with a DUI, Travelers is more affordable, with average rates of $2,998.

Check the table below to see how Mercury rates compare to Travelers rates.

Type of violation	Mercury	Travelers
1 At-fault property damage accident over $2K	$4,292	$2,463
1 At-fault property damage accident under $2K	$4,280	$2,462
At-fault bodily injury accident	$4,176	$2,601
Careless driving	$3,558	$2,705
DUI	$3,463	$2,998
Reckless driving	$3,938	$2,829
Speeding	$3,240	$2,416

Mercury vs. Travelers: Rates in your state

Insurance rates vary by state. Companies use your ZIP code's weather, crime, and traffic data to assess risk. The table below shows where Mercury and Travelers have the lowest rates. Always compare quotes, as your price also depends on your location, driving history, and personal details.

State	Travelers	Mercury
Alabama	$1,428	N/A
Arizona	$1,489	N/A
Arkansas	$1,442	N/A
California	$2,460	$2,031
Delaware	$1,595	N/A
Florida	$2,356	$3,358
Georgia	N/A	$2,219
Idaho	$1,263	N/A
Illinois	$1,119	N/A
Indiana	$1,264	N/A
Iowa	$1,238	N/A
Kansas	$1,601	N/A
Kentucky	$1,804	N/A
Maine	$853	N/A
Maryland	$1,523	N/A
Massachusetts	$2,274	N/A
Michigan	$1,817	N/A
Minnesota	$1,618	N/A
Mississippi	$1,636	N/A
Missouri	$1,515	N/A
Nevada	$1,995	$2,156
New Jersey	$1,706	N/A
New York	$2,677	N/A
Ohio	$1,336	N/A
Oklahoma	N/A	$2,237
Oregon	$1,318	N/A
Pennsylvania	$952	N/A
Rhode Island	$1,946	N/A
South Carolina	$1,949	N/A
Tennessee	$1,395	N/A
Virginia	$1,169	N/A
Washington	$1,503	N/A
Wisconsin	$1,089	N/A

Mercury vs. Travelers: Which offers better discounts?

Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts Mercury and Travelers offer to their customers.

Discounts	Mercury	Travelers
Lower annual mileage	9%	7%
Loyalty	8%	0%
Payment type	13%	7%
Homeowner	7%	6%
Multi policy	10%	7%
Profession	6%	N/A
Days advanced purchase	5%	6%
Electronic funds transfer	5%	4%
Daily commute	N/A	5%
Marital status	12%	4%
Vehicle ownership	N/A	3%
Electronic signature	3%	N/A
Paperless/electornic documents	2%	N/A
Safety devices	1%	2%
Anti-theft device	1%	1%
Air bags	N/A	1%

Always be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.

Mercury vs. Travelers: The bottom line

Both Mercury and Travelers are solid insurance companies, but if rates are what matter most to you, Travelers may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: