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

Mercury vs. USAA: Which one is the cheapest?

USAA costs an average of $335 per year for state minimum coverage, while Mercury costs $607 annually.

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, USAA costs an average of $1,381. Mercury costs more at an average of $2,314.

It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your 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
USAA	$1,381	$335	$435

Mercury vs. USAA: Rates by age group

For teens – one of the most expensive age groups to insure – USAA has the cheapest rates, coming in at $4,385 per year. Mercury costs an average of $7,475 for a teen driver.

Age plays a major role in calculating insurance rates. Companies look at things like speeding, accidents and distracted driving. Teen drivers are seen as high-risk, which makes them one of the most expensive age groups to insure. Rates usually go down as you get older.

For example, adults pay an average of $1,406 with USAA, while Mercury charges an average of $2,369 for an adult.

Age group	Mercury	USAA
Teens	$7,475	$4,385
Young adults	$3,989	$2,159
Adults	$2,369	$1,406
Seniors	$2,344	$1,400

Mercury vs. USAA: Rates for high-risk drivers

USAA offers the lowest rates for high-risk drivers. A high-risk driver has multiple speeding tickets, accidents, or a serious offense like a DUI, making affordable car insurance harder to get.

For drivers with a DUI, USAA offers more affordable rates, averaging $2,786.

Check the table below to compare Mercury and USAA rates.

Type of violation	Mercury	USAA
1 At-fault property damage accident over $2K	$4,292	$2,075
1 At-fault property damage accident under $2K	$4,280	$2,066
At-fault bodily injury accident	$4,176	$2,133
Careless driving	$3,558	$1,834
DUI	$3,463	$2,786
Reckless driving	$3,938	$2,100
Speeding	$3,240	$1,680

Mercury vs. USAA: 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 USAA have the lowest rates. Always compare quotes, as your price also depends on your location, driving history, and personal details.

State	USAA	Mercury
Alabama	$1,458	N/A
Alaska	$1,166	N/A
Arizona	$1,581	N/A
Arkansas	$1,090	N/A
California	$1,827	$2,031
Colorado	$1,559	N/A
Connecticut	$606	N/A
Delaware	$1,463	N/A
Florida	N/A	$3,358
Georgia	$1,562	$2,219
Hawaii	$1,067	N/A
Idaho	$742	N/A
Illinois	$1,745	N/A
Indiana	$783	N/A
Iowa	$1,165	N/A
Kansas	$1,151	N/A
Kentucky	$1,820	N/A
Louisiana	$1,973	N/A
Maine	$827	N/A
Maryland	$1,043	N/A
Massachusetts	$1,442	N/A
Michigan	$1,514	N/A
Minnesota	$1,382	N/A
Mississippi	$1,320	N/A
Missouri	$1,086	N/A
Montana	$919	N/A
Nebraska	$1,328	N/A
Nevada	$1,672	$2,156
New Hampshire	$852	N/A
New Mexico	$1,054	N/A
New York	$1,557	N/A
North Dakota	$826	N/A
Ohio	$994	N/A
Oklahoma	$1,447	$2,237
Oregon	$1,277	N/A
Pennsylvania	$1,806	N/A
Rhode Island	$1,147	N/A
South Carolina	$1,451	N/A
South Dakota	$1,780	N/A
Tennessee	$1,194	N/A
Texas	$1,812	N/A
Utah	$1,237	N/A
Vermont	$803	N/A
Virginia	$1,192	N/A
Washington	$853	N/A
Washington, D.C.	$1,230	N/A
West Virginia	$1,189	N/A
Wisconsin	$984	N/A
Wyoming	$1,230	N/A

Mercury vs. USAA: 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 USAA offer to their customers.

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

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

Mercury vs. USAA: The bottom line

Both Mercury and USAA are good insurance companies, but if cheaper rates are your top priority, USAA might be the best option for you. Still, it's a good idea to look at more than just price and compare quotes from different companies to find the best car insurance for your needs.

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: