Farmers vs Mercury: Which is Better for You?

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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.


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:

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.

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..

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 supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported supported
Good Driver supported supported
Defensive Driver supported
Student Away at School supported supported
Driver Training supported
Green Vehicles supported
Affinity Membership Alum supported
Advanced Purchase supported
Pay in Full supported
Home Owner supported supported
eSign or ePay
New Vehicle
Annual Mileage
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 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 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!
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