American Family vs Mercury: Which is Better for You?

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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.

Credit level American Family avg. annual premium Mercury 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: 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.

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
DUI/DWI $1,857 $1,882
Reckless driving $1,857 $1,882
Speeding ticket $1,270 $1,457

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..

Age bracket American Family avg. annual premium Mercury 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 discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount Comparison American Family Mercury
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported supported
Good Driver supported supported
Defensive Driver supported supported
Student Away at School supported supported
Driver Training supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase supported supported
Pay in Full supported
Home Owner supported
eSign or ePay
New Vehicle
Annual Mileage
Ratings Comparison American Family Mercury
Financial Strength Question mark icon Excellent Superior
JD Power Rankings Question mark icon Above average N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products American Family Mercury
Boat Insurance supported
Condo Insurance supported supported
Life Insurance supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
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!
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