GEICO vs Mercury Car Insurance

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4.8 Rating

2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

GEICO
88
What is this?

Insurify Composite Score

Mercury
81
What is this?

Insurify Composite Score

GEICO VS Mercury
88
81
What is this?
User Ratings
OptionsGEICO Mercury
Rating/Reviews
3,736 reviews
1,419 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsGEICO Mercury
Call Center RepresentativeAbout average--
Insurer WebsiteAmong the best--
Local AgentThe restThe rest
Overall SatisfactionAbout averageThe rest
Policy OfferingsBetter than mostThe rest
PricingBetter than mostThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsGEICO Mercury
Claim ServicingBetter than mostThe rest
Estimation ProcessBetter than mostAbout average
First Notice of Loss (FNOL)Better than mostThe rest
Overall SatisfactionBetter than mostThe rest
Rental ExperienceBetter than mostThe rest
Repair ProcessAbout averageAbout average
SettlementBetter than mostAbout average
J.D. Power Ratings by Region (out of 1000)
RegionGEICO Mercury
California807 pt
About average
795 pt
The rest
Central838 pt
Better than most
--
Florida832 pt
Better than most
808 pt
The rest
Mid-Atlantic848 pt
Better than most
--
New England827 pt
About average
--
New York813 pt
About average
--
North Central830 pt
About average
--
Northwest805 pt
About average
--
Southeast839 pt
About average
--
Southwest798 pt
The rest
--
Texas816 pt
The rest
--
Mobile App Ratings
RegionGEICO Mercury
Android
147,062 Reviews
161 Reviews
iOS
446,400 Reviews
--
Financial Ratings
OptionsGEICO Mercury
A.M. BestA++A
FitchAA-A
Moody'sAa3A2
Standard & Poor'sAA+--

Auto Insurance Quotes

For Married Drivers

CityGEICO Mercury
Austin$59$74
Chicago$67$106
Philadelphia$88--
Phoenix$38$96
Santa Monica$48$67

For Single Drivers

CityGEICO Mercury
Austin$62$81
Chicago$68$152
Philadelphia$92--
Phoenix$44$93
Santa Monica$129$122

For Male Drivers

CityGEICO Mercury
Austin$59$77
Chicago$71$146
Philadelphia$92--
Phoenix$42$94
Santa Monica$123$116

For Female Drivers

CityGEICO Mercury
Austin$62$78
Chicago$64$113
Philadelphia$87--
Phoenix$40$95
Santa Monica$53$72

For Drivers with Speeding Ticket

CityGEICO Mercury
Austin$74$102
Chicago$92$174
Philadelphia$128--
Phoenix$64$114
Santa Monica$141$134

For Drivers with No Speeding Ticket

CityGEICO Mercury
Austin$58$72
Chicago$62$119
Philadelphia$84--
Phoenix$36$91
Santa Monica$77$86

For Drivers Age Between 18-40

CityGEICO Mercury
Austin$63$81
Chicago$71$150
Philadelphia$98--
Phoenix$45$92
Santa Monica$149$136

For Drivers Age Between 40-65

CityGEICO Mercury
Austin$54$70
Chicago$61$103
Philadelphia$79--
Phoenix$35$90
Santa Monica$40$60

For Drivers Age of 65+

CityGEICO Mercury
Austin$75$93
Chicago$78$147
Philadelphia$99--
Phoenix$48$123
Santa Monica$41$67

For Drivers with Average Credit

CityGEICO Mercury
Austin$68$86
Chicago$70$134
Philadelphia$94--
Phoenix$43$103
Santa Monica$76$83

For Drivers with Fair Credit

CityGEICO Mercury
Austin$71$84
Chicago$74$111
Philadelphia$104--
Phoenix$43$102
Santa Monica$56$79

For Drivers with Good Credit

CityGEICO Mercury
Austin$55$74
Chicago$66$123
Philadelphia$84--
Phoenix$37$99
Santa Monica$60$67

For Drivers with Excellent Credit

CityGEICO Mercury
Austin$48$67
Chicago$60$149
Philadelphia$77--
Phoenix$41$75
Santa Monica$161$147

Quotes & Discounts

Discount typeGEICO Mercury
Good DriverUp to 26%Up to 18%
Anti-Theft DeviceUp to 25%Up to 5%
Emergency DeploymentUp to 25%--
Federal EmployeeUp to 25%Varies
Passive RestraintUp to 25%Up to 5%
Good StudentUp to 15%Up to 10%
MilitaryUp to 15%--
Seat Belt UseUp to 15%--
Anti-lock BrakeUp to 5%--
Daytime Running LightsUp to 3%--
Accident FreeVaries--
Defensive DriverVaries--
Driving trainingVaries--
Multiple PolicyVariesUp to 10%
Multiple VehicleVariesUp to 26%
OrganizationVariesVaries
Senior AdultVariesVaries
teenSMARTVaries--
Good Credit--Up to 73%
Low Mileage--Varies
Occasional driver--Varies
Paid in full--Varies
Professional organization--Varies
Public Safety Professional--Varies
Student Away at School--Up to 10%
VIN Etching--Varies

Payment Methods

Discount typeGEICO Mercury
Automatic Online Payment
yes--
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
Mail Payment
yesyes
Mobile App Payments
yes--
Multi-Payment Installment Plans
yes--
Online Payment
--yes
Person 2 Person Payment --yes
Phone Payment
yesyes

Features and Services

Features and ServicesGEICO Mercury
24/7 serviceyesyes
Accident forgivenessyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesGEICO Mercury
Accident Forgiveness
yes--
Comprehensive Claim Forgiveness
yesyes
Incident Forgiveness
yes--
Mechanical Breakdown Insurance
yes--
No Fault Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • GEICO
  • Mercury
  • Both

SR‌-22 Insurance by State

  • GEICO
  • Mercury
  • Both

Compare Insurance Products

ProductGEICO Mercury
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyes--
Business InsuranceBusiness Insuranceyesyes
Classic Car InsuranceClassic Car Insuranceyes--
Commercial InsuranceCommercial Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insuranceyes--
Jewelry InsuranceJewelry Insuranceyes--
Life InsuranceLife Insuranceyes--
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Pet InsurancePet Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insuranceyes--
RV InsuranceRV Insuranceyes--
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • GEICO Reviews
  • Mercury Reviews
3.2
5 Stars
32 %
4 Stars
17 %
3 Stars
16 %
2 Stars
10 %
1 Star
25 %

Most Helpful Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

Latest Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

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Read reviews that mention

Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.
mister
the worst company ever, they insure you for 6 months at a time then when its time to "renew" they start increasing your rates with no explanation, they give you a speech about if anything happens you want to be covered right" lol they are thief's , not worth it, I suggest any other company besides geico!! raise your rate with no reason then they read some lame excuses LOL what a joke!!
Alexi ojitom
Yes
Micah Zimmerman
A Geico insured motorist hit my parked car. Of course they are 100% responsible for repairing. The adjuster (Brandon Seiber) skinnied down the estimate for repair such that my car was not fixed properly AND it cost me money with the body shop. The body shop said Geico is the only insurance company this happens with and they do it to their own insured. If you have Geico, you might want to think about truly how well covered you are. Micah Zimmerman 513/476-6466
Tricia
They're awesome
Alice
Geico doesn't reward loyalty
Christina
They gave me a great discount
Dayna
Always could be less?
Nin
Very expensive. Root insurance companies charge only 80 and geico charge me over 240
Jason
Showing 1 - 10 out of 1000 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.