Compare GEICO vs. Mercury Insurance

x

Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

Compare Rates

GEICO and Mercury are top-rated companies in the insurance industry. GEICO was founded in 1936, and Mercury was founded in 1962. GEICO was listed as the top-ranked auto insurer in 2016. Additionally, it's well liked for excellent customer service and great discounts, while Mercury is also well liked for it’s good discounts as well as timely settlement process. However, Mercury has a fairly involved sign-up process and GEICO has limited coverage options.

Still, both GEICO and Mercury have A+ ratings from the Better Business Bureau and outstanding financial strength ratings, as well. 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

  GEICO Mercury
Best If GEICO
  • You want great customer service and low premiums
Mercury
  • You want a lot of good discounts
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
Mercury
  • You want an easy sign-up process

Special Car Insurance Discounts

GEICO Mercury
GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts
Mercury

Standard Car Insurance Discounts

Bundling Coverage Discounts GEICO Mercury
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features GEICO 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 GEICO Mercury
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships GEICO Mercury
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances GEICO Mercury
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts GEICO Mercury
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

GEICO Car Insurance Mercury Insurance
2016 144 71
2015 283 92
2014 267 105
2013 188 83

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

GEICO Car Insurance Mercury Insurance
A.M. Best A++ A+
Moody's Aa1- --
S&P's AA+ --

Mobile Apps

GEICO Mercury
GEICO

The GEICO Mobile App provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards
    • Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance
    • Contact GEICO direct from your mobile phone for help out on the road should you get a flat tire, have an accident, etc
  • Chat
    • Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO 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

GEICO Mercury
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send assistance even if you're not sure where you are.

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.