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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||I started a claim but canceled it with no payout. Why is it on my CLUE report?|
Does State Farm match auto insurance quotes with other companies?
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In shopping around, I can see that GEICO can offer me the same policy for about $100 cheaper. Will State ...
What’s max amount of cars allowed on state farm insurance policy?
I’m shopping for my home and auto insurance. I got competitive quotes from Travelers and State Farm. Which company is ...
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|Can I use my roadside assistance if I’m in my friends car?|
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Does Mercury roadside assistance include lockout service if I’m in another persons car?...
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 ...
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|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. Farm Bureau Mutual 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. North Star Mutual State Farm vs. Progressive State Farm vs. Root State Farm vs. SAFECO State Farm vs. SafeAuto 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. Farm Bureau Mutual Mercury vs. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. Liberty Mutual Mercury vs. MetLife Mercury vs. Nationwide Mercury vs. North Star Mutual Mercury vs. Progressive Mercury vs. SAFECO Mercury vs. SafeAuto 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|
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