Germania vs. Mercury: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Germania offers significantly less expensive prices than Mercury
• Germania offers cheaper average rates for residents of rural areas
• Mercury offers more discounts than Germania Insurance

Germania vs. Mercury: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Germania or Mercury as your top options, but between the two, which one has more affordable prices for insurance?

Looking at the national average rates for both companies, Germania has average rates that are about 50% per month less expensive than those from Mercury.

However, that doesn't necessarily mean Germania will be the more affordable option for each driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your age, or even your driving record (among other things). So, at the end of the day, premiums from every company will differ quite a bit from person to person.

Wanting to know if Germania or Mercury is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Germania or Mercury: Average Car Insurance Rates by State

Germania and Mercury only compete against each other in Texas, where Germania offers the cheaper average prices. For Texas residents, undefined offers car insurance for undefined monthly on average. undefined's average rates come out to be more expensive, at undefined a month.

That being said, there are plenty of other factors that go into your insurance cost than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. It's usually because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Germania save more than $450 a month compared to those who use Mercury.

That being said, both companies will reduce premiums by the time drivers turn 25. Mercury offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Germania still has the lowest prices at $137 per month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the cheapest auto insurance premiums you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for insurance.

But who has the best prices for retired drivers between Germania and Mercury? Germania gets the edge, with premiums for drivers 65 and older $111 cheaper than the national average for Mercury.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive car insurance rates than married policyholders. That's because policies for married couples normally cover several cars, which several carriers will offer you a discount for.

When it comes to relationship status, Germania is the clear winner for single policyholders, with prices around $196 per month less expensive than Mercury, on average. The advantage for married drivers with Germania is also obvious, where drivers save about $95 a month.

Germania vs. Mercury: Average Rates by Gender

Because men are more likely to get speeding tickets and get into collisions, they have a higher chance of filing a claim with insurance. Therefore, men tend to get higher rates than women.

With Germania, women typically pay nearly 10% per month less than men, and around 5% less with Mercury when compared to their male counterparts.

Looking at the data for each company specifically, Germania comes out as the most affordable option for both genders, with average rates 51% less for men and 53% cheaper for women.

Germania or Mercury: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that auto insurance can be pretty complicated. Everyone needs insurance, but there are so many different limits and terms that it can be hard to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Germania normally offers significantly cheaper premiums of $90 compared to Mercury's $184. When it comes to full coverage policies with similar limits, Germania again has the edge, with policies about $200 a month more affordable than Mercury, on average.

Is Germania or Mercury Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and accidents will most likely raise your prices, but is Germania or Mercury less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Germania insurance policies don't report seeing their rates increase after getting a ticket, but Mercury policyholders can expect to see their monthly bill increase by around 20%.

But Germania has more affordable premiums for drivers in both categories -- their rates are around 57% cheaper for drivers with clean records and 65% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Germania can expect to see about an $30 -- or around 23% -- increase in their car insurance prices. Drivers who use Mercury for their insurance will see a monthly bill about $109 (or 32%) more expensive after reporting a collision to their car insurance carrier.

Overall, Germania offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $132 compared to Mercury Insurance's $346.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. On average, Germania will climb your prices around 56% after a DUI, while Mercury's average rates rise by over 20%.

How does Credit Score Impact Germania and Mercury Rates?

You may not have known, but your credit score can come into play when companies calculate your monthly bill. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of policyholders.

The reasoning auto insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will usually be forced to pay more.

So, which company offers the lowest prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Germania or Mercury Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a large impact on how much insurance companies will charge for coverage? That's because the more miles you put on your vehicle, the more likely you are to get into a collision and cause an insurance claim.

In this case, neither Germania or Mercury report increasing premiums for drivers with higher annual mileage figures. Still, Germania comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average rates of $142 per month for both.

Germania vs. Mercury: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a big role in how much you pay for auto insurance. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more vehicles on the roads in those areas.

Germania tends to offer the cheapest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Germania offers rates about $149 monthly compared to Mercury's $401. People who live in suburban ZIP codes can expect to pay around $143 a month for Germania and $275 for Mercury. Lastly, those in rural areas tend to get the most affordable premiums from both carriers, with average monthly prices coming in at $134 and $209 for Germania and Mercury respectively.

Germania vs. Mercury Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the section below, we've broken down all of the different discounts offered by both Germania and Mercury so that you can see which carrier can save you the most money each month.

Mercury blows Germania away when it comes to the sheer amount of discounts available, offering nine more discounts than Germania.

A couple of those are overlapping for things like advance quote discounts, COVID-19 relief discount, discounts for being a defensive driver, and mature driver discounts. Mercury also offers continuous insurance discounts, DRL discounts, e-signature discounts, and more that Germania does not.

On the flip side, Germania has a couple unique discounts of its own -- academic discounts, claim free discounts, discounts for getting driver training, and more.

Final Thoughts: Is Germania or Mercury Best for You?

So, you've seen how different factors can affect your auto insurance rates. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the right company for you and your specific profile and needs?

Germania might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" car insurance.
• You're buying insurance for a teen and looking for a wallet-friendly option.

Mercury might be best for you if...

• You're planning on moving to another state soon -- undefined only offers policies to residents.
• You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare Germania and Mercury. We also hope we've given you the information you need to make the best decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from a handful of companies, not just Germania and Mercury. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Germania vs. Mercury FAQs

Is Germania or Mercury cheaper?

Looking just at the national average premiums, Germania is the more affordable of the two companies, offering average rates of $142 per month compared to $295 for Mercury. Even so, Germania won't necessarily be the lowest carrier for each policyholder, since there are multiple different variables that come into play when it comes to your car insurance payment.

Who is better, Germania or Mercury?

Sadly, the only answer we can give you is "it depends.". One company is not necessarily "better" for every driver -- it all depends on the makeup of your unique auto insurance profile.

Why do Germania and Mercury offer me different rates?

Insurance carriers take a look at a lot of different factors when calculating the prices they charge policyholders. Variables such as your driving record, age, where you live, gender, and sometimes even things like your credit score can all be used. Both Germania and Mercury calculate rates differently, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from lots of different companies.

How do I know if Germania or Mercury is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be Germania or Mercury at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.