Farmers vs. Mercury

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Farmers or Mercury: Which Company is Best 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.

 

Comparing car insurance rates: FARMERS vs. 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:

 
RATES BY CREDIT LEVEL: 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: costs for high-risk drivers

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.

 
COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: 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: rates 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..

 
AGE BRACKET INSURANCE RATE COMPARISON: 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.

Discount Comparison Farmers Mercury
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 Comparison Farmers Mercury
Financial Strength Question mark icon Excellent Superior
JD Power Rankings Question mark icon Excellent N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Farmers Mercury
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features Farmers Mercury
About Farmers Insurance Hawaii knows how important it is for you to protect your vehicle and save money. That’s why they offer discounts and benefits you may want, 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 Assistance Farmer'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 Discounts Farmers 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 Questions Why do certain jobs pay less for car insurance?
The discount you are referring to is known as an &quot;Affinity&quot; or &quot;Membership&quot; Discount. Basically, insurance companies use historical data to prove that certain occupations equate to less risky drivers.
Will my Farmers insurance roadside assistance provide towing up to 250 miles?
Roadside assistance varies by insurance company. From my understanding, most towing and roadside assistance coverage offered as part of an auto policy either has a set dollar amount to cover a tow, covers towing up to 15 miles from your breakdown, or covers towing to the nearest repair facility.
See More Questions
Can 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.
See More Questions
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