American Family vs Mercury Car Insurance

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American Family or Mercury:
Which Company is Best for You?

Choosing a car insurance company is sometimes difficult: companies' rates vary by driving history, age, and location, and companies offer an array of discounts. American Family and Mercury are among the top insurance companies, providing high-quality policies in most states across the US.

In an effort to simplify the process of comparing insurance companies, we've collected average costs from Mercury and American Family. These rates cover a variety of rating factors, including credit score, driving behavior, and age. Examine these figures and find your next car insurance policy today.


American Family vs. Mercury: rate comparison


American Family vs. Mercury: pricing by credit score

If you have extremely bad credit, Mercury could be preferable to American Family. Typically, Mercury offers cheaper premiums than American Family for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should favor American Family, which typically beats Mercury by $426 annually. View common insurance costs by credit level for Mercury and American Family below.

Since Mercury sells most of its car insurance policies in the state of California, the insurer's rates don't have too much variability based on credit score. California is one of the several states that restricts insurance companies' use of credit as a way to assign premiums.


RATES BY CREDIT LEVEL: MERCURY VS. AMERICAN FAMILY
Credit scoreAmerican Family avg. annual premiumMercury avg. annual premium
Very Poor (300-579)$1,931$1,367
Fair (580-669)$1,294$1,367
Good (670-739)$1,220$1,367
Very Good (740-799)$1,009$1,367
Exceptional (800-850)$941$1,367

American Family vs. Mercury: rates for bad drivers

If you're carrying an at-fault crash, ticket, reckless driving citation, or DUI on your driving résumé, American Family could be a better choice than Mercury. Each auto insurance company prices policies differently after a violation, so it's worth comparing quotes to understand which insurance company suits you.


RATES BY VIOLATION: MERCURY VS. AMERICAN FAMILY
ViolationAmerican Family avg. annual premiumMercury avg. annual premium
At-fault accident (damage < $1,000)$1,763$1,822
At-fault accident (damage > $1,000)$990$1,125
DUI/DWI$1,857$1,882
Reckless driving$1,857$1,882
Speeding ticket$1,270$1,457

American Family vs. Mercury: rates by age

Insurers use a driver's age to estimate risk, assigning rates accordingly. Insurance is typically priciest for drivers younger than 25 — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Because each insurance company evaluates age tiers uniquely, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose Mercury before American Family: the former's average annual rates are $393 less than the latter's..


RATES BY AGE BRACKET: MERCURY VS. AMERICAN FAMILY
Age tierAmerican Family avg. annual premiumMercury avg. annual premium
Teens$3,810$3,417
20s$1,685$1,554
30s$1,101$1,554
40s$1,089$1,115
50s$1,089$1,086
60s$986$1,034

Aside from finances, American Family and Mercury come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonAmerican FamilyMercury
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonAmerican FamilyMercury
Financial Strength ExcellentSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
User Satisfaction

A

A+

Other ProductsAmerican FamilyMercury
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Other FeaturesAmerican FamilyMercury
AboutAmerican 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 AssistanceAmerican 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 DiscountsNone AvailableMercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!
Recent QuestionsCan I use my roadside assistance if I'm in my friends car?
When you have roadside assistance through your insurance company, the service is only available on the vehicle that the coverage is listed. There are other roadside companies that will allow you to use the roadside no matter whose vehicle you are in.
What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.
Do I need a police report to file a claim?
Accidents that occur on private property do not require a police report in order to file a claim. Your familiarity with the other driver does not impact your ability to file a claim, however the fact that he is uninsured means that you will have to pay your deductible for the repairs.
Do I contact the other driver's insurance company if they hit me while at the gas station?
If the other party hit your vehicle, and it's pretty clearly they're at fault, then you should contact their insurance for repairs. Parking lot accidents or accidents that occur on private property can be difficult to determine fault, but it sounds like the incident is pretty straight forward.
See More Questions
Compare MoreAmerican 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. Safe Auto American Family vs. Safeco 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. USAAMercury 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. Safe Auto Mercury vs. Safeco Mercury vs. State Farm Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia
Additional Resources:

American Family vs Mercury

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