State Farm vs Mercury Car Insurance

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State Farm or Mercury:
Which Company is Best for You?

Picking a car insurance company can be tough: rates vary based on your location, vehicle, and driving record, and insurers offer a variety of perks. State Farm and Mercury are two of America's most popular car insurance companies, offering competitively priced insurance policies in most states.

To make shopping for car insurance easier, we have gathered average rates from Mercury and State Farm. These take into consideration an array of rating factors, including credit rating, driving history, and demographics. Check out the below rates and find an affordable policy today.

Looking for in-depth analysis? Read full-length reviews of State Farm and Mercury.


State Farm vs. Mercury: insurance rate comparison


State Farm vs. Mercury: pricing by credit score

If you have very poor credit, Mercury could be the best option for you. Typically, Mercury offers lower premiums than State Farm for drivers with credit scores of less than 580. Those with excellent credit — a score of 800 or better — should lean toward View typical insurance rates by credit score for Mercury and State Farm below.


CREDIT SCORE INSURANCE RATE COMPARISON: Mercury VS. State Farm
Credit levelState Farm avg. annual premiumMercury avg. annual premium
Very Poor (300-579)$3,522$1,115
Fair (580-669)$2,003$1,115
Good (670-739)$1,613$1,290
Very Good (740-799)$1,451$1,115
Exceptional (800-850)$1,260$1,115

State Farm vs. Mercury: rates for drivers with bad records

If you are dealing with an at-fault accident, speeding ticket, reckless driving violation, or DUI on your driving record, Mercury could be a better choice than State Farm. Every car insurance company enacts rate penalties differently, so don't be afraid to shop around to figure out which insurer suits you.


RATES BY VIOLATION: Mercury VS. State Farm
ViolationState Farm avg. annual premiumMercury avg. annual premium
At-fault accident (damage < $1,000)$2,849$1,822
At-fault accident (damage > $1,000)$1,524$1,125
DUI/DWI$3,854$1,882
Reckless driving$2,895$1,882
Speeding ticket$1,983$1,457

State Farm vs. Mercury: rates by age bracket

Insurers rely on age to estimate risk, pricing premiums accordingly. Auto insurance is usually more expensive for young drivers — due to their increased odds of being involved in an accident — and relatively affordable for middle-aged drivers. Since every insurance company prices age tiers in a different way, it's wise to compare rates and find great coverage.

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..


COMPARING AUTO INSURANCE RATES BY AGE: Mercury VS. State Farm
AgeState Farm avg. annual premiumMercury avg. annual premium
Teens$5,820$3,417
20s$2,379$1,554
30s$1,585$1,554
40s$1,587$1,115
50s$1,558$1,086
60s$1,485$1,034

Finances aside, State Farm and Mercury both have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonState FarmMercury
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 ComparisonState FarmMercury
Financial Strength SuperiorSuperior
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+

Other ProductsState FarmMercury
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesState FarmMercury
AboutGet 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 AssistanceState 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 DiscountsState 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 QuestionsMy car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.
I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
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.
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.
See More Questions
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State Farm vs Mercury

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