Mercury vs. Noblr Reciprocal Exchange: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Noblr Reciprocal Exchange offers significantly cheaper rates than Mercury
• Mercury may help you save more money -- they offer more discounts than Noblr Reciprocal Exchange
• Noblr Reciprocal Exchange has less expensive premiums for single people who will be the only person on the insurance policy

Mercury or Noblr Reciprocal Exchange: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Mercury or Noblr Reciprocal Exchange, but between the two, which one will offer you more affordable prices?

Looking at the national average rates for both carriers, Noblr Reciprocal Exchange is quite a bit cheaper than Mercury, with rates averaging $79 a month compared to $295 with Mercury.

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

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

Mercury vs. Noblr Reciprocal Exchange: Average Car Insurance Rates by State

Mercury and Noblr Reciprocal Exchange only compete against each other in Arizona, where Noblr Reciprocal Exchange offers the cheaper average rates. Noblr Reciprocal Exchange drivers tend to pay about $80 per month less on average compared to drivers who use Mercury for their auto insurance.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how car insurance carriers determine your premiums. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers. That's normally because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high insurance rates. As you can see above, teens who use Noblr Reciprocal Exchange save almost 65% a month compared to those who use Mercury. It's worth noting that Mercury offers auto insurance in 11 different states compared to Noblr Reciprocal Exchange's one, which can skew the average premiums a bit, but the difference here is still considerable.

Even so, both companies will lower prices by the time drivers turn 25. Noblr Reciprocal Exchange offers the steepest drop, with 25-year-olds paying less than a quarter of what 18-year-old drivers are charged. Mercury's average premiums decrease nearly 70% during that same period.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Mercury and Noblr Reciprocal Exchange? Noblr Reciprocal Exchange gets the edge, with premiums for drivers 65 and older almost 80% less expensive than the national average for Mercury.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be more affordable for married drivers than they are for single policyholders. That's because policies for married policyholders typically cover several vehicles, which quite a few carriers will give you a discount for.

For single drivers, the difference in average premiums between these two companies is significant, with Noblr Reciprocal Exchange rates coming in at around a quarter of Mercury's. The advantage for married couples with Noblr Reciprocal Exchange is also obvious, where drivers save about $150 per month.

Mercury or Noblr Reciprocal Exchange: Average Rates by Gender

Women tend to pay less for auto insurance than men. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

Usually, men see rates around 5% a month higher with Mercury, and about 5% with Noblr Reciprocal Exchange.

Looking at overall affordability, Noblr Reciprocal Exchange comes out as the most affordable option for both genders. On average, male drivers save about $221 per month and women save around $211 with Noblr Reciprocal Exchange compared to the average Mercury policyholder.

Mercury vs. Noblr Reciprocal Exchange: 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.

Insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

That being said, the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Noblr Reciprocal Exchange has the significant edge, with average monthly premiums coming in at $46. If you want a full coverage policy with the same state minimum limits, Noblr Reciprocal Exchange again has the edge, with policies averaging about $112 a month to Mercury's $406.

Is Mercury or Noblr Reciprocal Exchange Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

At-fault collisions and speeding tickets will most likely raise your rates, but is Mercury or Noblr Reciprocal Exchange less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Mercury for their insurance can generally expect their monthly bill to go up around 19% after getting a speeding ticket. Noblr Reciprocal Exchange policyholders can expect a less drastic increase of about 18%.

But Noblr Reciprocal Exchange is normally the more affordable option for both drivers who have clean records and those with a recent ticket, offering prices that are 73% and 73% cheaper, respectively, compared to Mercury Insurance.

Which Company is Best for Drivers After an Accident?

Mercury drivers who get in an accident can expect to see their premiums increase by over $100, while those who have insurance through Noblr Reciprocal Exchange will see around a $25 increase.

At the end of the day, Noblr Reciprocal Exchange offers the lowest rates for drivers with an at-fault collision on their records, with average prices coming in at $90 compared to Mercury Insurance's $346.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- typically a lot more than a collision or speeding ticket. Mercury drivers usually see a 22% increase in their auto insurance premiums after a DUI charge, while Noblr Reciprocal Exchange will generally climb prices by about 23%.

Noblr Reciprocal Exchange has the overall cheapest premiums for drivers with a DUI on their records at $83 monthly, but it's worth noting that Mercury's average rates come from 11 states compared to just one for Noblr Reciprocal Exchange, so the data may be skewed slightly.

How does Credit Score Impact Mercury and Noblr Reciprocal Exchange Rates?

Did you know many car insurance carriers take into account your credit score when determining rates? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an insurance factor) but it will come into play for several policyholders.

Insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with less expensive prices.

Looking specifically at Noblr Reciprocal Exchange and Mercury, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Noblr Reciprocal Exchange will usually reward you the most. For drivers with "excellent" credit scores, Noblr Reciprocal Exchange comes in nearly 78.03 cheaper. Drivers with "good" credit scores typically save around 81% with Noblr Reciprocal Exchange compared to average premiums from Mercury.

Which Company is Best for Drivers with Bad Credit?

Noblr Reciprocal Exchange typically offers lower prices than Mercury when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 67% per month less with Noblr Reciprocal Exchange compared to Mercury, and those with "poor" scores usually save an average of around 72% per month.

Is Mercury or Noblr Reciprocal Exchange 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 sizable impact on your monthly rates? Generally, the more milage you drive, the more you can expect to pay for auto insurance.

In this case, neither Mercury or Noblr Reciprocal Exchange report increasing premiums for drivers with higher annual mileage figures. Even so, Noblr Reciprocal Exchange 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 prices of $79 a month for both.

Mercury or Noblr Reciprocal Exchange: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a big impact as well. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Noblr Reciprocal Exchange tends to offer the most affordable prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about $139 with Noblr Reciprocal Exchange compared to Mercury. People who live in suburban areas pay around $205 less with Noblr Reciprocal Exchange compared to Mercury. For policyholders in urban ZIP codes, Noblr Reciprocal Exchange's average rates are about $304 less than Mercury Insurance.

Mercury vs. Noblr Reciprocal Exchange Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Mercury and Noblr Reciprocal Exchange so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Mercury knocks Noblr Reciprocal Exchange out of the park when it comes to the sheer number of discounts available, offering 19 more discounts than Noblr Reciprocal Exchange.

A couple of those are overlapping for things like continuous insurance discounts, discounts for being a homeowner, and multi-policy discounts. Mercury also offers discounts for ABS, advance quote, anti-theft, and more.

On the other hand, Noblr Reciprocal Exchange has a few proprietary discounts of their own for things like advantage technology discounts, education discounts, and online quote discounts.

Final Thoughts: Is Mercury or Noblr Reciprocal Exchange Best for You?

So, we've broken down the average premiums for many of the variables auto insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which insurance carrier is the best fit for you?

Noblr Reciprocal Exchange might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You're looking for the best prices on liability only coverage.
• You drive fewer than 6,000 miles annually.

Mercury might be best for you if...

• You value the experience that comes with a large national car insurance company.
• You're looking for the carrier with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Mercury and Noblr Reciprocal Exchange. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just Mercury and Noblr Reciprocal Exchange. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Mercury vs. Noblr Reciprocal Exchange FAQs

Is Mercury or Noblr Reciprocal Exchange cheaper?

Noblr Reciprocal Exchange is the more affordable of the two companies when looking at national average premiums, with policies averaging $79 per month with Noblr Reciprocal Exchange and $295 for Mercury. However, that doesn't mean Noblr Reciprocal Exchange will be the lowest company for every policyholder, since there are a bunch of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Mercury or Noblr Reciprocal Exchange?

Unfortunately, the answer truly is "it depends.". Neither carrier is necessarily "better" for each policyholder -- it all depends on what your unique insurance profile looks like.

Why do Mercury and Noblr Reciprocal Exchange offer me different rates?

Car insurance carriers use lots of different variables when calculating the rates they charge. Factors like gender, your driving record, age, where you call home, and sometimes even things like your credit score can all be used. Both Mercury and Noblr Reciprocal Exchange calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from several different companies.

How do I know if Mercury or Noblr Reciprocal Exchange is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Mercury or Noblr Reciprocal Exchange at all, but another you hadn't even thought of!

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.