Farmers vs Mercury Car Insurance

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Farmers or Mercury:
Which Company is Best for You?

Selecting a car insurance company is complex: rates may vary based on your driving history, age, and location, and every company provides a different set of discounts. Farmers and Mercury are two of the most popular insurers, providing competitively priced coverage in many states.

To help simplify the insurance-shopping process, we collected typical insurance premiums from Mercury and Farmers. These cover a number of rating factors, including credit rating, driving history, and age. Compare rates and find your next car insurance policy today.


Comparing car insurance rates: Farmers vs. Mercury


Farmers vs. Mercury: by credit level

If you have very poor credit, Mercury could be the way to go. On average, Mercury offers better rates than Farmers for prospective clients with credit scores of 579 or less. Drivers with excellent credit — a score of 800-plus — should favor View average insurance costs by credit score for Mercury and Farmers below.


CREDIT SCORE INSURANCE RATE COMPARISON: Mercury VS. Farmers
Credit levelFarmers avg. annual premiumMercury avg. annual premium
Very Poor (300-579)$2,633$1,115
Fair (580-669)$1,736$1,115
Good (670-739)$1,882$1,290
Very Good (740-799)$1,459$1,115
Exceptional (800-850)$1,354$1,115

Farmers vs. Mercury: costs for high-risk drivers

If you're saddled with an at-fault accident, ticket, reckless driving citation, or DUI on your driving résumé, Mercury could be a better choice than Farmers. Every auto insurance company prices its policies differently, so always do your due diligence and compare quotes to understand which insurer is best for you.


HIGH-RISK INSURANCE RATE COMPARISON: Mercury VS. Farmers
CitationFarmers 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

Auto insurance companies use a driver's age as an indicator of potential risk, assigning rates accordingly. Car insurance is usually expensive for teens — because of their inexperience — and most affordable for middle-aged drivers. Since each insurance company rates age brackets in a different way, it's wise to compare rates and find a great fit.

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


RATES BY AGE: Mercury VS. Farmers
Age bracketFarmers 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

Costs aside, there are myriad pros and cons of both Farmers and Mercury, including the insurers' discount programs, add-ons, 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
3 out of 5
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?

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

Does Farmers allow exclusions?

Can I exclude my boyfriend on my Farmer’s car insurance policy?...

Will my farmers insurance cover my towing off the the NJ turnpike

Car was towed to the nearest exit off of the turnpike...

Will insurance cover someone other than the insured?

My dad and I live separately. But if I were to borrow this vehicle and get into an accident, would ...

See More Questions
Can I use my roadside assistance if I’m in my friends car?

Does Mercury roadside assistance include lockout service if I’m in another persons car?...

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 ...

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. SAFECO Farmers vs. SafeAuto 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. 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 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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