Compare Allstate vs. Mercury Insurance

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Allstate and Mercury Insurance are two big providers of auto insurance across the nation. Allstate was founded in 1931, and Mercury was founded in 1962. Both companies rank quite equally across the board: they each have a wide selection of driver discounts as well as superior financial strength ratings and high J.D. Power ratings. Mercury was ranked the 4th largest private passenger automobile insurer in California, while Allstate was ranked the 7th top auto insurer of 2016.

Though Mercury has a prompt claims process, Allstate rated as having better customer service and satisfaction.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Allstate Mercury
Best If Allstate
  • You want easy, online tools to access your account
Mercury
  • You want a lot of good discounts
Worst If Allstate
  • You're looking for reasonably priced premiums
Mercury
  • You want an easy sign-up process

Special Car Insurance Discounts

Allstate Mercury
Allstate Mercury

Standard Car Insurance Discounts

Bundling Coverage Discounts Allstate Mercury
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Allstate Mercury
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Allstate Mercury
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allstate Mercury
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Allstate Mercury
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allstate Mercury
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allstate Insurance Mercury Insurance
2016 322 71
2015 460 92
2014 569 105
2013 530 83

U.S. Auto Insurance Shopping Study (2016)

Allstate Insurance Mercury Insurance
Overall Purchase Experience Below average Above average
Policy Offerings Average Above average
Pricing Below average Above average
Local Agent Average Average
Call Center Representative Below average Average
Insurer Website Average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

Allstate Insurance Mercury Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Average Average
Appraisal Above average Below average
Repair Process Below average Below average
Rental Car Experience Above average Average
Settlement Average Average

Financial Strength Ratings

Allstate Insurance Mercury Insurance
A.M. Best A+ A+
Moody's Aa3 --
S&P's AA- --

Mobile Apps

Allstate Mercury
Allstate

Allstate Mobile has all the information you need on policies and claims. You can download the app here, or text ALLSTATEAPP to 25788.

Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for practicing safe driving. All you have to do is download the app, login, and start driving. Download the app here.

Digital Locker is another Allstate app that lets you create an inventory of all the items in your home. It then stores the information securely in the cloud. This app lets you keep a visual log of all your valuable items. Digital Locker makes managing personal items and property easy and quick. Download the app here.

GoodRide is a great app from Allstate for motorbike owners. It lets you input details about your bike as well as information about your route, time, and mileage each time you go out for a ride. GoodRide also keeps track of all your repairs and miles. Download GoodRide from Allstate here.

Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club separately, but downloading the app is 100% free! Download the app here.

Mercury

Mercury Portal by Mercury Insurance Group is an app that lets you manage your auto insurance policies from your mobile device. You can use the app to pay your auto bills, view your policy information, contact your agent, request policy changes, and even view your policy claims and payment history.

To download the app for Android, click here.

Roadside Assistance

Allstate Mercury
Allstate

Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking and then follow the assistance on the map as it comes your way.

Allstate has 3 service options for drivers to choose from that offer different levels of service.

Allstate Motor Club - Platinum Elite Member $99/year

  • 24-Hour emergency service covered up to $250 per occurrence
    • Towing
    • Tire change
    • Gas delivery
    • Lockouts
  • Motorcycle & RV Coverage
  • $10,000 Theft/Hit and Run Protection
    • Will pay up to $10,000 to witnesses that provide information leading to the arrest of the thief or assailant
  • $2,000 Arrest Bond Certificate
    • If you’re detained by authorities for a moving violation, Allstate will post $2,000 bail to get you out of jail. Limitations on bail amount in certain states
  • $1,500 Trip Interruption Benefit
    • If your car breaks down away from home Allstate will cover lodging, meals and transportation
  • Free CARFAX Vehicle History Report ( typically cost $40)
  • Travel Savings & Discounts
    • Hotel
    • Car rental
    • Airline
    • Access Savings Mobile app. Lets you search for discounts near you

Good Hands Rescue

Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers.

Good Hands Rescue app gives you:

  • GPS location to get service to you quicker
  • Real-time updates to give you an ETA of service arrival
  • Locate the nearest repair center

Roadside Services Included

    Towing
  • Gas delivery
  • Jump-starts
  • Lockouts
  • Tire changes

Towing & Labor Coverage

Can be purchased as additional coverage on your Allstate insurance policy.

Basic services include

  • Towing
  • Lockouts
  • Fuel Delivery
  • Tire Changes
  • Jump-starts
Mercury

Mercury Mechanical Breakdown Protection

Mechanical Breakdown Protection essentially works as an extended warranty on your car. It covers the cost of repair when it breads down. While not exactly a roadside assistance program it covers that and more.

Roadside Services Covered

  • 24-hour roadside assistance
  • Rental car assistance
  • Tire protection
  • Trip interruption coverage
  • Nationwide protection
  • Repairs at any licensed repair shop
  • No limit to number of claims
  • Coverage is transferrable

Contact Phone Number

For Roadside Assistance, call our hotline (800) 503-3724.