Choosing a car insurance company is sometimes difficult: companies' rates differ based on your location, age, and driving history, and every company's discounts differ. State Farm and Mercury are among America's most popular car insurance companies, providing competitively priced policies in most US states.
To simplify the comparison process, we gathered average rates from Mercury and State Farm. These take into consideration a variety of pricing components, including credit score, driving infractions, and demographics. Take a look at these rates and find the perfect policy for you.
If you have very poor credit, Mercury could be the way to go. Typically, Mercury offers lower premiums than State Farm for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800-plus — should lean toward Check out average insurance rates by credit level for Mercury and State Farm below.
|Credit level||State Farm avg. annual premium||Mercury avg. annual premium|
|Very Poor (300-579)||$3,522||$1,115|
|Very Good (740-799)||$1,451||$1,115|
If you're saddled with an at-fault collision, speeding ticket, reckless driving citation, or DWI on your résumé, Mercury could be a better choice than State Farm. Each car insurance company prices its policies differently, so don't hesitate to shop around to figure out which insurance company suits you.
|Citation||State Farm avg. annual premium||Mercury avg. annual premium|
|At-fault accident (damage < $1,000)||$2,849||$1,822|
|At-fault accident (damage > $1,000)||$1,524||$1,125|
Insurance companies use a driver's age to estimate risk, assigning rates accordingly. Car insurance is often priciest for teen drivers — because of their inexperience — and more affordable for middle-aged drivers. Since each insurance company evaluates age brackets in a different way, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose Mercury over State Farm: the former's average annual rates are $2,403 less than the latter's..
|Age tier||State Farm avg. annual premium||Mercury avg. annual premium|
Affordability aside, State Farm and Mercury each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||State Farm||Mercury|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||State Farm||Mercury|
|JD Power Rankings||3 out of 5||2 out of 5|
|Other Products||State Farm||Mercury|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||State Farm||Mercury|
|About||Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.||Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.|
|Roadside Assistance||State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.||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||State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.||Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!|
|Recent Questions||Will my State Farm Car insurance cover the damages to a person’s balcony if we hit it while driving a Uhaul?|
Does state farm require you have a police report to file a claim?
I have state farm car insurance and I purchased additional Uhaul insurance that had liability coverage. I hit another person’s ...
One deductible for two accidents?
My son was driving(24 yes old/ 0 accidents) and served to miss a deer and hit a fire hydrant. No ...
Are some insurance providers better suited to my needs than others to get the best rate?
Two accidents w/ objects 2 weeks apart. One damaged front bumper, other the back bumper. Can I file 1 claim ...
See More Questions
I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...
|What do I do if my vehicle was totaled while parked?|
Do I need a police report to file a claim?
My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...
Do I contact the other driver’s insurance company if they hit me while at the gas station?
My son’s car was parked at his girlfriend’s parents house. While backing out of the driveway, her brother clipped my ...
Can I add my golf cart to my insurance policy?
I was filling up my car at the gas station and was hit from behind by a Jeep. My insurance ...
See More Questions
I just got a shiny new golf cart. It was expensive and I want to make sure it’s covered if ...
|Compare More||State Farm vs. 21st Century State Farm vs. Allied State Farm vs. Allstate State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Auto Club (AAA) State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farmers State Farm vs. Foremost State Farm vs. GEICO State Farm vs. Infinity State Farm vs. Liberty Mutual State Farm vs. MetLife State Farm vs. Metromile State Farm vs. Nationwide State Farm vs. Progressive State Farm vs. Root State Farm vs. SAFECO State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm vs. USAA||Mercury vs. 21st Century Mercury vs. Allied Mercury vs. Allstate Mercury vs. American Family Mercury vs. Amica Mutual Insurance Mercury vs. Auto Club (AAA) Mercury vs. Erie Mercury vs. Esurance Mercury vs. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. Liberty Mutual Mercury vs. MetLife Mercury vs. Nationwide Mercury vs. Progressive Mercury vs. SAFECO Mercury vs. Safe Auto Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...