Foremost vs. Mercury: Which is the cheapest?
Mercury offers cheaper car insurance rates than Foremost in general. But your insurance premiums depend on several factors, including your age, gender, ZIP code, driving record, credit history, and the car you drive.
Mercury: Cheapest for drivers with a clean driving record
Car insurance companies consider your driving record when determining your premiums. Generally, the better your driving record, the lower your premiums. Mercury offers cheaper car insurance for drivers with a clean driving record, on average.
Driver Type | Foremost | Mercury |
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Clean driving record | $137 | $84 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Mercury: Cheapest for drivers with a speeding ticket
Car insurance rates generally increase after a speeding ticket because it shows car insurance companies that you engage in risky driving behavior behind the wheel. Mercury offers cheaper average car insurance rates than Foremost for drivers with a speeding ticket.
Driver Type | Foremost | Mercury |
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Drivers with a speeding ticket | $137 | $130 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Mercury: Cheapest for teen drivers
Teen drivers pay the highest insurance rates because they present a higher level of risk to insurers. Teen drivers and young adults looking for the cheapest car insurance may find lower rates with Mercury.
Driver Type | Foremost | Mercury |
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18-year-old | $247 | $159 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Mercury: Cheapest for senior drivers
Senior drivers usually pay much cheaper rates than teens and young adults, but their rates can still increase a bit once they’re 70 years old. Older drivers may have age-related issues that affect their driving ability, so they pay higher rates.[4]
But Mercury has cheaper average rates than Foremost.
Driver Type | Foremost | Mercury |
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Senior drivers | $137 | $68 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Mercury: Cheapest for drivers with bad credit
Most states allow car insurance companies to consider your credit history when determining your car insurance rates. Insurance companies believe that your credit history correlates to your risk of filing a claim, so drivers with good credit pay cheaper rates than drivers with poor credit.[5]
Mercury offers lower rates than Foremost for drivers with a bad credit score.
Driver Type | Foremost | Mercury |
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Drivers with bad credit | $137 | $89 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.