Farm Bureau Mutual vs. Mercury 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
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+

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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 QuestionsCan 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
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