American Family vs Mercury Car Insurance

Compare rates from the top car insurance companies in your area.

Your information is secure.

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

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.


American Family vs. Mercury: insurance rate comparison


American Family vs. Mercury: rates by credit level

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 INSURANCE RATE COMPARISON: Mercury VS. American Family
Credit scoreAmerican Family avg. annual premiumMercury avg. annual premium
Very Poor (300-579)$1,931$1,115
Fair (580-669)$1,294$1,115
Good (670-739)$1,220$1,290
Very Good (740-799)$1,009$1,115
Exceptional (800-850)$941$1,115

American Family vs. Mercury: high-risk insurance rate comparison

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.


RATES BY CITATION: 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

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..


RATES BY AGE BRACKET: Mercury VS. American Family
AgeAmerican 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

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 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
4 out of 5
2 out of 5
User Satisfaction

A

A+

Other ProductsAmerican FamilyMercury
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
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 QuestionsAre some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

If I accidentally drove my car through a neighbor’s fence, will my insurance company pay for the damage?

My foot slipped on the clutch when I was parked in the street and I damaged my neighbor’s fence. Is ...

How soon am I required to insure a vehicle I bought through a private sale?

I just bought my first car and have never had insurance. Do I have to be insured to take the ...

What’s the difference between an insurance carrier and an insurance agency?

I have a local agent and he talks about the “carriers” that he works with. What is the difference?...

See More Questions
What do I do if my vehicle was totaled while parked?

My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...

Do I need a police report to file a claim?

My son’s car was parked at his girlfriend’s parents house. While backing out of the driveway, her brother clipped my ...

Do I contact the other driver’s insurance company if they hit me while at the gas station?

I was filling up my car at the gas station and was hit from behind by a Jeep. My insurance ...

Can I add my golf cart to my insurance policy?

I just got a shiny new golf cart. It was expensive and I want to make sure it’s covered if ...

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. 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. Progressive American Family vs. SAFECO American Family vs. Safe Auto 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. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. Liberty Mutual Mercury vs. MetLife Mercury vs. Nationwide Mercury vs. Progressive Mercury vs. SAFECO Mercury vs. Safe Auto 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

Survey: Americans in the Dark about Car Insurance
Survey: Americans in the Dark about Car Insurance
Oct 24, 2017

“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...

Editorial: A Need for Optionality in Insurance
Editorial: A Need for Optionality in Insurance
Sep 19, 2017

Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...

InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
Aug 28, 2017

Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...

Why Tesla is Opting to Insure Its Own Cars
Why Tesla is Opting to Insure Its Own Cars
Apr 13, 2017

As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

The Strangest Insurance Policies We’ve Ever Heard Of
The Strangest Insurance Policies We’ve Ever Heard Of
Sep 16, 2016

At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...

It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
Jul 05, 2016

Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...

The Absurd Spectrum of Auto Insurance Fraud
The Absurd Spectrum of Auto Insurance Fraud
May 24, 2016

Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...

When Does a Little White Lie Become Insurance Fraud?
When Does a Little White Lie Become Insurance Fraud?
May 09, 2016

In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...

Why Your Auto Insurance Rates Could Be Rising This Year
Why Your Auto Insurance Rates Could Be Rising This Year
Feb 01, 2016

Rate increase? Click to find the cheapest rates on car insurance →   Lower gas prices = more road traffic...

Editorial: A Need for Transparency in Car Insurance
Editorial: A Need for Transparency in Car Insurance
Jan 26, 2016

By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...

Will Insurance Companies Turn to Social Media to Assess Your Risk?
Will Insurance Companies Turn to Social Media to Assess Your Risk?
Oct 21, 2015

In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...

Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Oct 16, 2015

The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....

Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Sep 15, 2015

Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...

How to Get Car Insurance for Undocumented Citizens
How to Get Car Insurance for Undocumented Citizens
Aug 27, 2015

Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...

Car Insurance Scams: Are You A Target?
Car Insurance Scams: Are You A Target?
Aug 10, 2015

Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....

Insurance Telematics USA 2015: A Conference Looking to the Future
Insurance Telematics USA 2015: A Conference Looking to the Future
Jul 07, 2015

Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....

When Traffic Tickets Cause Insurance Premiums to Rise
When Traffic Tickets Cause Insurance Premiums to Rise
Jun 30, 2015

A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...

Could Your Voting Record Affect Your Car Insurance Rates?
Could Your Voting Record Affect Your Car Insurance Rates?
Jun 12, 2015

Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...

Should Price Optimization Be Illegal?
Should Price Optimization Be Illegal?
Feb 23, 2015

If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...

This Guy Could Revolutionize Insurance Company Reviews
This Guy Could Revolutionize Insurance Company Reviews
Jul 24, 2014

You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...