Farm Bureau Mutual vs. Mercury Car Insurance

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Farm Bureau Mutual or Mercury:
Which Company is Best for You?

Selecting a car insurance company can be hard: companies' rates differ based on your driving history, age, and location, and every company's discounts vary. Farm Bureau Mutual and Mercury are two of the most popular insurance companies, offering affordable coverage in most states.

To help simplify the insurance-shopping process, we gathered average rates from Mercury and Farm Bureau Mutual. The below rates cover an array of rating factors, including credit rating, driving record, and demographics. Take a look at these rates and find the right policy for you.


Compare Farm Bureau Mutual vs. Mercury auto insurance rates


Farm Bureau Mutual vs. Mercury: prices by credit level

If you have very poor credit, Mercury could be the way to go. On average, Mercury offers better premiums than Farm Bureau Mutual for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800-plus — should consider Farm Bureau Mutual, which typically beats Mercury by $252 annually. View average insurance rates by credit level for Mercury and Farm Bureau Mutual below.


RATES BY CREDIT SCORE: MERCURY VS. FARM BUREAU MUTUAL
Credit levelFarm Bureau Mutual avg. annual premiumMercury avg. annual premium
Very Poor (300-579)$1,780$1,115
Fair (580-669)$1,126$1,115
Good (670-739)$1,193$1,290
Very Good (740-799)$932$1,115
Exceptional (800-850)$863$1,115

Farm Bureau Mutual vs. Mercury: high-risk insurance rates

If you are saddled with an at-fault collision, speeding ticket, reckless driving violation, or DWI on your driving record, Farm Bureau Mutual could be a better choice than Mercury. Every insurer will handle driving offenses differently, so always do your due diligence and compare quotes to understand which insurer is best for you.


RATES BY VIOLATION: MERCURY VS. FARM BUREAU MUTUAL
ViolationFarm Bureau Mutual avg. annual premiumMercury avg. annual premium
At-fault accident (damage < $1,000)$1,224$1,822
At-fault accident (damage > $1,000)$1,294$1,125
DUI/DWI$1,850$1,882
Reckless driving$1,546$1,882
Speeding ticket$1,025$1,457

Farm Bureau Mutual vs. Mercury: rates by age

Car insurance companies use age to outline risk potential, assigning rates on a sliding scale. Car insurance is commonly expensive for beginning and young drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company rates age tiers differently, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose Farm Bureau Mutual over Mercury: Farm Bureau Mutual offers average yearly savings of $650, compared to Mercury.


COMPARING AUTO INSURANCE RATES BY AGE: MERCURY VS. FARM BUREAU MUTUAL
AgeFarm Bureau Mutual avg. annual premiumMercury avg. annual premium
Teens$2,767$3,417
20s$1,545$1,554
30s$984$1,554
40s$961$1,115
50s$866$1,086
60s$870$1,034

Costs aside, Farm Bureau Mutual and Mercury both have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonFarm Bureau MutualMercury
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 ComparisonFarm Bureau MutualMercury
Financial Strength ExcellentSuperior
JD Power Rankings
Not Rated out of 5
2 out of 5
User Satisfaction

A

A+

Other ProductsFarm Bureau MutualMercury
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarm Bureau MutualMercury
AboutFarm Bureau Mutual of Iowa focuses on building trusted relationships and helping you protect what matters most, so they can help you find the right products at the right time as you work to achieve your goals.Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.
Roadside AssistanceFarm Bureau Mutual offers 24/7 roadside assistance to members at no added expense. The company's Emergency Roadside Assistance coverage includes up to $100 for emergency service nationwide.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 QuestionsWhat 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 MoreFarm Bureau Mutual vs. 21st Century Farm Bureau Mutual vs. Allied Farm Bureau Mutual vs. Allstate Farm Bureau Mutual vs. American Family Farm Bureau Mutual vs. Amica Mutual Insurance Farm Bureau Mutual vs. Auto Club (AAA) Farm Bureau Mutual vs. Erie Farm Bureau Mutual vs. Farmers Farm Bureau Mutual vs. GEICO Farm Bureau Mutual vs. Infinity Farm Bureau Mutual vs. Liberty Mutual Farm Bureau Mutual vs. MetLife Farm Bureau Mutual vs. Nationwide Farm Bureau Mutual vs. North Star Mutual Farm Bureau Mutual vs. Progressive Farm Bureau Mutual vs. SAFECO Farm Bureau Mutual vs. Safe Auto Farm Bureau Mutual vs. State FarmMercury vs. 21st Century Mercury vs. Allied Mercury vs. Allstate Mercury vs. American Family 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. North Star Mutual 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 Iowa Kansas Minnesota Nebraska New Mexico South Dakota UtahArizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia
Additional Resources:

Farm Bureau Mutual vs. Mercury

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