American Family vs Mercury: Which is Better for You?
Compare rates from the top car insurance companies in your area.
American Family or Mercury: Which company is best for you?
Selecting an auto insurance company can be tricky: rates may vary based on your driving record, location, and age, and companies offer an array of discounts. American Family and Mercury are two of the US' top insurance companies, providing competitively priced policies in most regions.
In an effort to make shopping for car insurance easier, we collected average rates from Mercury and American Family. These take into account myriad pricing components, including credit rating, driving history, and demographics. Examine these figures and find the perfect policy for you.
Looking for more information? Check out our comprehensive reviews of American Family and Mercury.
American Family vs. Mercury: by credit level
If you have extremely bad credit, Mercury could be a better option for you. Typically, Mercury offers cheaper rates than American Family for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800 or better — should lean toward American Family, which typically beats Mercury by $174 per year. Check out average insurance costs by credit tier for Mercury and American Family below.
INSURER RATES BY CREDIT SCORE: MERCURY VS. AMERICAN FAMILY
|Credit level||American Family avg. annual premium||Mercury avg. annual premium|
|Very Poor (300-579)||$1,931||$1,115|
|Very Good (740-799)||$1,009||$1,115|
American Family vs. Mercury: by citation
If you are carrying an at-fault collision, speeding ticket, reckless driving citation, or DUI in your rear view mirror, American Family could be a better choice than Mercury. Every insurer has different post-violation pricing structures, so don't be afraid to shop around to understand which insurance company suits you.
INSURER RATES BY VIOLATION: MERCURY VS. AMERICAN FAMILY
|Violation||American Family avg. annual premium||Mercury avg. annual premium|
|At-fault accident (damage < $1,000)||$1,763||$1,822|
|At-fault accident (damage > $1,000)||$990||$1,125|
American Family vs. Mercury: by age
Insurers rely on age to indicate risk, pricing premiums accordingly. Car insurance is typically more expensive for young drivers — thanks to their inexperience — and most affordable for middle-aged drivers. Since every insurance company evaluates ages differently, it's worth shopping around and finding the best rate for you.
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..
INSURER RATES BY AGE: MERCURY VS. AMERICAN FAMILY
|Age bracket||American Family avg. annual premium||Mercury avg. annual premium|
Costs aside, American Family and Mercury both have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
|Discount Comparison||American Family||Mercury|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||American Family||Mercury|
|JD Power Rankings||Above average||N/A|
|Other Products||American Family||Mercury|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||American Family||Mercury|
|About||American 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 Assistance||American 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 Discounts||None Available||Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!|
|Top States||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia|