4.8out of 3,000+ reviews

AAA vs Mercury Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

AAA
85
What is this?

Insurify Composite Score

Mercury
81
What is this?

Insurify Composite Score

AAA VS Mercury
85
81
What is this?
User Ratings
OptionsAAA Mercury
Rating/Reviews
411 reviews
1,419 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA Mercury
Call Center RepresentativeThe rest--
Insurer WebsiteThe rest--
Local AgentBetter than mostThe rest
Overall SatisfactionAbout averageThe rest
Policy OfferingsAbout averageThe rest
PricingAbout averageThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA Mercury
Claim ServicingAbout averageThe rest
Estimation ProcessThe restAbout average
First Notice of Loss (FNOL)The restThe rest
Overall SatisfactionAbout averageThe rest
Rental ExperienceAbout averageThe rest
Repair ProcessBetter than mostAbout average
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAAA Mercury
California840 pt
Better than most
795 pt
The rest
Central833 pt
Better than most
--
Florida--808 pt
The rest
North Central808 pt
The rest
--
Texas821 pt
About average
--
Mobile App Ratings
RegionAAA Mercury
Android
24,330 Reviews
161 Reviews
iOS
737 Reviews
--
Financial Ratings
OptionsAAA Mercury
A.M. BestAA
Fitch--A
Moody's--A2

Auto Insurance Quotes

For Married Drivers

CityAAA Mercury
Austin--$74
Chicago--$106
Phoenix--$96
Santa Monica--$67

For Single Drivers

CityAAA Mercury
Austin--$81
Chicago--$152
Phoenix--$93
Santa Monica--$122

For Male Drivers

CityAAA Mercury
Austin--$77
Chicago--$146
Phoenix--$94
Santa Monica--$116

For Female Drivers

CityAAA Mercury
Austin--$78
Chicago--$113
Phoenix--$95
Santa Monica--$72

For Drivers with Speeding Ticket

CityAAA Mercury
Austin--$102
Chicago--$174
Phoenix--$114
Santa Monica--$134

For Drivers with No Speeding Ticket

CityAAA Mercury
Austin--$72
Chicago--$119
Phoenix--$91
Santa Monica--$86

For Drivers Age Between 18-40

CityAAA Mercury
Austin--$81
Chicago--$150
Phoenix--$92
Santa Monica--$136

For Drivers Age Between 40-65

CityAAA Mercury
Austin--$70
Chicago--$103
Phoenix--$90
Santa Monica--$60

For Drivers Age of 65+

CityAAA Mercury
Austin--$93
Chicago--$147
Phoenix--$123
Santa Monica--$67

For Drivers with Average Credit

CityAAA Mercury
Austin--$86
Chicago--$134
Phoenix--$103
Santa Monica--$83

For Drivers with Fair Credit

CityAAA Mercury
Austin--$84
Chicago--$111
Phoenix--$102
Santa Monica--$79

For Drivers with Good Credit

CityAAA Mercury
Austin--$74
Chicago--$123
Phoenix--$99
Santa Monica--$67

For Drivers with Excellent Credit

CityAAA Mercury
Austin--$67
Chicago--$149
Phoenix--$75
Santa Monica--$147

Quotes & Discounts

Discount typeAAA Mercury
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%Up to 10%
teenSMARTUp to 24%--
Good DriverUp to 20%Up to 18%
Anti-Theft DeviceUp to 17%Up to 5%
Good StudentUp to 14.5%Up to 10%
Multiple VehicleUp to 12.5%Up to 26%
Multiple PolicyUp to 11.8%Up to 10%
Advance shopperUp to 10%--
Good CreditUp to 10%Up to 73%
New CarUp to 10%--
Paid in fullUp to 7.8%Varies
Current insuranceUp to 5%--
LoyaltyUp to 5%--
Affinity groupVaries--
Anti-lock BrakeVaries--
Driving trainingVaries--
Home OwnerVaries--
Low MileageVariesVaries
Original OwnerVaries--
Federal Employee--Varies
Occasional driver--Varies
Organization--Varies
Passive Restraint--Up to 5%
Professional organization--Varies
Public Safety Professional--Varies
Senior Adult--Varies
VIN Etching--Varies

Payment Methods

Discount typeAAA Mercury
Automatic Online Payment
yes--
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
Mail Payment
--yes
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
--yes

Features and Services

Features and ServicesAAA Mercury
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAAA Mercury
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
yes--
Comprehensive Claim Forgiveness
--yes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
First Aid Reimbursement
yes--
Gap Insurance
yes--
Glass Coverage yes--
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yes--
Pet Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • AAA
  • Mercury
  • Both

SR‌-22 Insurance by State

  • AAA
  • Mercury
  • Both

Compare Insurance Products

ProductAAA Mercury
Car InsuranceCar Insuranceyesyes
Business InsuranceBusiness Insurance--yes
Commercial InsuranceCommercial Insurance--yes
Condo InsuranceCondo Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyes--
Renters InsuranceRenters Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • AAA Reviews
  • Mercury Reviews
3.8
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Danielle
Their customer service, things they offer, and their quality of service is all around amazing.

Most Critical Review

By Melanie
Terrible insurance service. Constantly canceling policy for no reason and it takes a long time to get it back despite consistent monthly payments.

All Reviews

Showing 1 - 10 out of 411 Reviews
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Read reviews that mention

Joshlynm
I am happy I switched to AAA i was with ACC but I am paying way less at AAA 95 for 2 cars unsure morturess and ACC was 140
Peter
Cheaper than Progressive
Susan
My agent,Jeremy was very helpful. However,I am heartbroken that I have to go insurance shopping again b/c AAA does not insure rideshare drivers!!! :(
Paul
No worries with aaa, but expensive
Sharon
Member for 63 years. Service is top notch!
kenneth
ALWAYS PAID CLAIMS AND GAVE GOOD SERVICE. LOCAL KIOSKS ARE GREAT.
Wendy
Customer service and the fact my rate went UP rather than lower!
Joan
I like them but to expensive
Valerie
Some of the Agents have been disrespectful towards me concerning the amount that I pay for full coverage. Been with AAA four years. I had to pay a fee when I switched from liability back to full coverage. Just not satisfied with how I have been treated.
Inkook
Showing 1 - 10 out of 411 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.