Farmers vs Mercury Car Insurance

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Farmers or Mercury:
Which Company is Best for You?

Choosing an auto insurance company can be tricky: companies' rates differ by driving history, location, and age, and every company's discounts vary. Farmers and Mercury are two of the nation's top insurance companies, providing affordable insurance policies across large portions of the US.

To help simplify the process of comparing insurance companies, we've gathered average rates from Mercury and Farmers. The below rates cover myriad rating factors, including credit rating, driving history, and age. Compare rates and find an affordable policy today.


Farmers vs. Mercury: insurance rate comparison


Farmers vs. Mercury: pricing by credit score

If you have extremely bad credit, Mercury could be the best option for you. On average, Mercury offers lower prices than Farmers for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800-plus — should opt for Farmers, which typically beats Mercury by $13 per year. View common insurance rates by credit level for Mercury and Farmers below.

As Mercury does much of its business in California, the company's rates don't have too much variability based on credit score. California is one of the few US states that restricts insurance companies' use of credit as a way to assign premiums.


RATES BY CREDIT LEVEL: MERCURY VS. FARMERS
Credit scoreFarmers avg. annual premiumMercury avg. annual premium
Very Poor (300-579)$2,633$1,367
Fair (580-669)$1,736$1,367
Good (670-739)$1,882$1,367
Very Good (740-799)$1,459$1,367
Exceptional (800-850)$1,354$1,367

Farmers vs. Mercury: rates after infractions

If you are saddled with an at-fault crash, speeding ticket, reckless driving citation, or DUI on your driving résumé, Mercury could be a better choice than Farmers. Every insurance company enacts rate penalties differently, so always do your due diligence and compare quotes to understand which insurance company suits you.


RATES BY CITATION: MERCURY VS. FARMERS
ViolationFarmers avg. annual premiumMercury avg. annual premium
At-fault accident (damage < $1,000)$2,334$1,822
At-fault accident (damage > $1,000)$1,699$1,125
DUI/DWI$3,239$1,882
Reckless driving$4,636$1,882
Speeding ticket$2,045$1,457

Farmers vs. Mercury: rates by age

Insurance companies rely on age to outline risk potential, assigning rates accordingly. An insurance policy is often most expensive for teen drivers — due to their increased odds of being involved in an accident — and most affordable for drivers aged 25 or older. Because every car insurance company prices ages uniquely, it's a smart move to shop around.

As a general rule, teen drivers should choose Mercury instead of Farmers: the former's average annual rates are $3,101 less than the latter's..


AGE BRACKET INSURANCE RATE COMPARISON: MERCURY VS. FARMERS
AgeFarmers avg. annual premiumMercury avg. annual premium
Teens$6,518$3,417
20s$2,020$1,554
30s$1,543$1,554
40s$1,511$1,115
50s$1,507$1,086
60s$1,402$1,034

Aside from affordability, there are myriad pros and cons of both Farmers and Mercury, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonFarmersMercury
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 ComparisonFarmersMercury
Financial Strength ExcellentSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 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 ProductsFarmersMercury
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarmersMercury
AboutFarmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.
Roadside AssistanceFarmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.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 DiscountsFarmers offers an additional discount for seniors.Mercury 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?
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.
See More Questions
Can 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 MoreFarmers vs. 21st Century Farmers vs. Allied Farmers vs. Allstate Farmers vs. American Family Farmers vs. Amica Mutual Insurance Farmers vs. Auto Club (AAA) Farmers vs. Erie Farmers vs. Esurance Farmers vs. Farm Bureau Mutual Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. MetLife Farmers vs. Nationwide Farmers vs. North Star Mutual Farmers vs. Progressive Farmers vs. Safe Auto Farmers vs. Safeco Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAAMercury 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. Farm Bureau Mutual 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:

Farmers vs Mercury

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