Farmers vs. Mercury insurance

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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 scoreFarmers avg. annual premiumMercury 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
ViolationFarmers avg. annual premiumMercury 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 tierFarmers avg. annual premiumMercury 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 ComparisonFarmersMercury
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 ComparisonFarmersMercury
Financial Strength ExcellentSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
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 FeaturesFarmersMercury
AboutFarmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, 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 AssistanceFarmer'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 DiscountsFarmers 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 QuestionsAre some insurance providers better suited to my needs than others to get the best rate?
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.
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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.
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.
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