Selecting an auto insurance company can be tough: companies' rates differ based on your location, vehicle, and driving record, and every company's discounts differ. American Family and Mercury are two of the top insurance companies, offering competitively priced insurance policies in most regions.
In an effort to make insurance shopping seamless, we have gathered average premiums from Mercury and American Family. These cover a variety of pricing factors, including credit rating, driving record, and demographics. Check out the below rates and find an affordable policy today.
If you have very poor credit, Mercury could be the way to go. On average, Mercury offers lower prices than American Family for drivers with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800 or higher — should lean toward American Family, which typically beats Mercury by $174 per year. View typical insurance rates by credit tier for Mercury and American Family below.
|Credit score||American Family avg. annual premium||Mercury avg. annual premium|
|Very Poor (300-579)||$1,931||$1,115|
|Very Good (740-799)||$1,009||$1,115|
If you're carrying an at-fault accident, speeding ticket, reckless driving violation, or DWI in your recent history, American Family could be a better choice than Mercury. Each insurer prices policies differently after a violation, so it's worth comparing quotes to understand which insurance company suits you.
|Violation||American Family avg. annual premium||Mercury avg. annual premium|
|At-fault accident (damage < $1,000)||$1,763||$1,822|
|At-fault accident (damage > $1,000)||$990||$1,125|
Auto insurance companies use a driver's age as an indicator of potential risk, pricing policies accordingly. Insurance is commonly most expensive for teen drivers — thanks to their inexperience — and more affordable for middle-aged drivers. Because every insurance company rates ages in a different way, it's a smart move to shop around.
As a general rule, teen drivers should choose Mercury over American Family: the former's average annual rates are $393 less than the latter's..
|Age||American Family avg. annual premium||Mercury avg. annual premium|
Costs aside, American Family and Mercury both have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
|Discount Comparison||American Family||Mercury|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||American Family||Mercury|
|JD Power Rankings||4 out of 5||2 out of 5|
|Other Products||American Family||Mercury|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||American Family||Mercury|
|About||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.||Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.|
|Roadside Assistance||American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).||Mercury offers roadside assistance as an optional addition to your policy which provides coverage 24/7 for things like reimbursement for locking keys in your car, a flat tire change, and even a tow up to the limit on your policy.|
|Additional Discounts||None Available||Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!|
|Recent Questions||Are some insurance providers better suited to my needs than others to get the best rate?|
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|Compare More||American Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. MetLife American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Progressive American Family vs. SAFECO American Family vs. SafeAuto American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family vs. USAA||Mercury vs. 21st Century Mercury vs. Allied Mercury vs. Allstate Mercury vs. Amica Mutual Insurance Mercury vs. Auto Club (AAA) Mercury vs. Erie Mercury vs. Esurance Mercury vs. Farm Bureau Mutual Mercury vs. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. Liberty Mutual Mercury vs. MetLife Mercury vs. Nationwide Mercury vs. North Star Mutual Mercury vs. Progressive Mercury vs. SAFECO Mercury vs. SafeAuto Mercury vs. State Farm Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia|
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