Farmers vs Mercury: Which is Better for You?

Picking an auto insurance company is sometimes difficult: rates fluctuate by driving record, location, and age, and every company's discounts differ. Farmers and Mercury are two of the most popular insurance companies, providing affordable insurance policies across most of the US.

In an effort to make insurance shopping seamless, we have gathered average insurance rates from Mercury and Farmers. These rates cover a variety of rating factors, including credit rating, driving infractions, and age. Compare rates and find your next car insurance policy today.

Looking for additional insights? Check out our full reviews of Farmers and Mercury.

Farmers vs. Mercury: by credit level

If you have very poor credit, Mercury could be preferable to Farmers. On average, Mercury offers more affordable rates than Farmers for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800-plus — should opt for Check out common insurance rates by credit tier for Mercury and Farmers:

INSURER RATES BY CREDIT SCORE: MERCURY VS. FARMERS

Credit score	Farmers avg. annual premium	Mercury 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: by citation

If you're dealing with an at-fault crash, speeding ticket, reckless driving citation, or DUI on your driving record, Mercury could be a better choice than Farmers. Every auto insurance company has different post-violation pricing structures, so don't be afraid to shop around to understand which insurer is best for you.

INSURER RATES BY VIOLATION: MERCURY VS. FARMERS

Violation	Farmers avg. annual premium	Mercury 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: by age

Insurers use a driver's age as an estimator of risk, pricing policies accordingly. Car insurance is commonly more expensive for teen drivers — thanks to their inexperience — and most affordable for drivers aged 25 or older. Because every auto insurance company rates age tiers differently, it's worth comparing rates and shopping 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..

INSURER RATES BY AGE: MERCURY VS. FARMERS

Age tier	Farmers avg. annual premium	Mercury 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

Setting aside cost, Farmers and Mercury each come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.