State Farm vs Mercury Car Insurance

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

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.


State Farm vs. Mercury: rate comparison


State Farm vs. Mercury: prices by credit level

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.


RATES BY CREDIT SCORE: 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: high-risk insurance rates

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.


RATES BY CITATION: Mercury VS. State Farm
CitationState 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

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..


COMPARING AUTO INSURANCE RATES BY AGE: Mercury VS. State Farm
Age tierState 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

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 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
3 out of 5
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 QuestionsWill my State Farm Car insurance cover the damages to a person’s balcony if we hit it while driving a Uhaul?

I have state farm car insurance and I purchased additional Uhaul insurance that had liability coverage. I hit another person’s ...

Does state farm require you have a police report to file a claim?

My son was driving(24 yes old/ 0 accidents) and served to miss a deer and hit a fire hydrant. No ...

One deductible for two accidents?

Two accidents w/ objects 2 weeks apart. One damaged front bumper, other the back bumper. Can I file 1 claim ...

Are some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

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What do I do if my vehicle was totaled while parked?

My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...

Do I need a police report to file a claim?

My son’s car was parked at his girlfriend’s parents house. While backing out of the driveway, her brother clipped my ...

Do I contact the other driver’s insurance company if they hit me while at the gas station?

I was filling up my car at the gas station and was hit from behind by a Jeep. My insurance ...

Can I add my golf cart to my insurance policy?

I just got a shiny new golf cart. It was expensive and I want to make sure it’s covered if ...

See More Questions
Compare MoreState 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. USAAMercury 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 OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia
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State Farm vs Mercury

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