AAA vs. Mercury Car Insurance (2023)
When it comes to AAA vs. Mercury, both companies rank average with customers in terms of customer service and claims handling. Both companies do offer a wide range of coverage options including add-ons such as roadside assistance, and discounts are also available through both companies. Your rates will vary based on your location, age, and the vehicle you need insured.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: Mar 30, 2023
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Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Mar 30, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- AAA Insurance has been providing insurance for over 100 years, offering discounts and 24/7 roadside assistance to members
- Mercury offers an easy-to-use online quote system as well as a mobile app and has an A+ rating with the BBB
- You’ll want to choose the company that will provide you with an affordable quote and offers service where you live
Are you in the market for car insurance and wondering which company to choose? Two well-known options are AAA Car Insurance and Mercury Car Insurance. In this article, we’ll review the pros and cons of each and help you make an informed decision. But first, here are three interesting attributes of each company. Now we can dive into the details of Mercury vs. AAA.
When were AAA and Mercury Insurance founded?
AAA was founded in 1902 and originally provided roadside assistance to its members. It has since expanded its services to include insurance, travel planning, and other benefits. Its mission is to “provide peace of mind to members and the community by promoting safety and security on the roadways.”
Mercury Insurance was founded in 1961 and is based in California. It offers a variety of insurance products, including car, home, and business insurance. Its mission is to “protect the assets and future of our customers through innovative solutions, superior service, and the relentless pursuit of excellence.”
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Car Insurance Offered by AAA and Mercury Insurance
Both AAA and Mercury offer standard car insurance coverage, including liability, collision, and comprehensive coverage. AAA also offers additional benefits, such as rental car coverage and pet injury coverage. Mercury offers an optional roadside assistance package that includes towing, jump starts, and lockout services.
When it comes to cost, it’s difficult to compare AAA vs. Mercury car insurance since rates can vary based on a number of factors, such as your age, location, and driving record. However, both companies offer online quote systems that allow you to get an estimate of what you’ll pay.
| Age & Gender of Driver | Average Monthly Rates from AAA | Average Monthly Rates from Mercury |
|---|---|---|
| 16-year-old male with a clean record | 465.18 | 391.34 |
| 16-year-old female with a clean record | 444.67 | 383.55 |
| 18-year-old male with a clean record | 378.23 | 318.19 |
| 18-year-old female with a clean record | 327.85 | 282.79 |
| 25-year-old male with a clean record | 110.44 | 97.59 |
| 25-year-old female with a clean record | 106.54 | 93.71 |
| 30-year-old male with a clean record | 102.71 | 90.76 |
| 30-year-old female with a clean record | 99.08 | 87.15 |
| 45-year-old male with a clean record | 85.52 | 77.25 |
| 45-year-old female with a clean record | 87.51 | 78.43 |
AAA car insurance is available in all 50 states and the District of Columbia. Mercury car insurance is available in 11 states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.
Discounts Available to Customers
One of the most important factors to consider when choosing a car insurance company is the cost. Both AAA and Mercury offer a variety of discounts that can help you save money on your policy. Here’s a closer look at the discounts available from each company:
AAA Insurance Discounts:
- Safe Driver Discount: If you have a clean driving record, you may be eligible for a safe driver discount.
- Multi-Vehicle Discount: Insuring multiple vehicles with AAA can qualify you for a discount.
- Good Student Discount: Students who maintain a high GPA may be eligible for a discount.
- Membership Discount: If you’re a member of certain organizations, such as AAA or AARP, you may qualify for a discount.
Mercury car insurance discounts are similar since the good driver discount is also offered. However, there are more:
- Multi-Policy Discount: If you have multiple policies with Mercury, such as car and home insurance, you may be eligible for a discount.
- Anti-Theft Device Discount: Installing an anti-theft device in your car can qualify you for a discount.
- Professional Association Discount: If you’re a member of certain professional associations, such as the National Society of Accountants or the American Medical Association, you may be eligible for a discount.
You can inquire about the discounts you feel you are qualified to receive at the time you request a quote.
Customer Reviews for AAA and Mercury Insurance
When it comes to customer reviews, both AAA and Mercury have mixed feedback. On Trustpilot, AAA has a 3.4 out of 5-star rating based on over 1,000 reviews. Some customers praise the company’s roadside assistance and customer service, while others complain about high prices and slow claims processing.
Mercury has a slightly better rating on Trustpilot, with 3.8 out of 5 stars based on over 1,500 reviews. Customers appreciate the company’s easy-to-use website and competitive prices, but some have had issues with claims processing and customer service.
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AAA vs. Mercury: Conclusion
The company you choose will depend on what you’re looking for in terms of coverage. Often drivers will also select a company that provides discounts they are qualified to add to their policy. Overall, whether you think AAA or Mercury insurance will be the best fit, it never hurts to request a quote to see what rates you would pay.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.