- American Family vs. Mercury: Which one is the cheapest?
- American Family vs. Mercury: Rates by age group
- American Family vs. Mercury: Rates for high-risk drivers
- American Family vs. Mercury: Rates in your state
- American Family vs. Mercury: Which offers better discounts?
- American Family vs. Mercury: The bottom line
- Methodology
American Family vs. Mercury: Which one is the cheapest?
American Family costs an average of $602 per year for state minimum coverage, while Mercury costs $607 annually.
For full coverage with 100/300/100 in liability and $500 deductibles for comprehensive and collision, American Family costs an average of $1,698 annually. Mercury is more expensive, with an average cost of $2,314.
It's always smart to compare quotes because prices and required coverage can change depending on your state and individual situation.
| Company | Average annual rate for full coverage | Average annual rate for state minimum coverage | Average annual premium for liability-only (50/100/50) car insurance |
|---|---|---|---|
| American Family | $1,698 | $602 | $870 |
| Mercury | $2,314 | $607 | $975 |
American Family vs. Mercury: Rates by age group
For teens – one of the most expensive age groups to insure – American Family has the cheapest rates, coming in at $4,515 per year. Mercury costs an average of $7,475 for a teen driver.
Age affects insurance rates greatly. Companies consider factors like speeding, accidents, and distracted driving. They see teen drivers as high-risk, making them one of the most expensive groups to insure. Rates usually drop as you get older.
For example, adults pay an average of $1,701 with American Family, while Mercury costs $2,369 for an adult, on average.
| Age group | American Family | Mercury |
|---|---|---|
| Teens | $4,515 | $7,475 |
| Young adults | $2,424 | $3,989 |
| Adults | $1,701 | $2,369 |
| Seniors | $1,813 | $2,344 |
American Family vs. Mercury: Rates for high-risk drivers
American Family has the lowest rates for high-risk drivers. A high-risk driver is someone with several speeding tickets, accidents or a serious offense like a DUI on their record. This can make it hard to get affordable car insurance.
For drivers with a DUI, American Family is more affordable, with average rates of $2,908.
Check the table below to see how American Family rates compare to Mercury rates.
| Type of violation | American Family | Mercury |
|---|---|---|
| 1 At-fault property damage accident over $2K | $2,447 | $4,292 |
| 1 At-fault property damage accident under $2K | $2,447 | $4,280 |
| At-fault bodily injury accident | $2,542 | $4,176 |
| Careless driving | $2,205 | $3,558 |
| DUI | $2,908 | $3,463 |
| Reckless driving | $2,805 | $3,938 |
| Speeding | $2,321 | $3,240 |
American Family vs. Mercury: Rates in your state
Insurance rates vary from state to state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you'll find the cheapest rates for American Family and Mercury. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.
| State | Mercury | American Family |
|---|---|---|
| California | $2,031 | N/A |
| Delaware | N/A | $2,709 |
| Florida | $3,358 | N/A |
| Georgia | $2,219 | N/A |
| Nevada | $2,156 | $2,429 |
| North Dakota | N/A | $1,092 |
| Oklahoma | $2,237 | N/A |
| Rhode Island | N/A | $1,833 |
| Washington | N/A | $1,750 |
American Family vs. Mercury: Which offers better discounts?
Discounts matter to insurance customers and can significantly lower yearly costs. Below are some discounts American Family and Mercury offer their customers.
| Discounts | Mercury | American Family |
|---|---|---|
| Lower annual mileage | 9% | 3% |
| Payment type | 13% | 9% |
| Multi policy | 10% | 9% |
| Loyalty | 8% | 5% |
| Days advanced purchase | 5% | 8% |
| Homeowner | 7% | 4% |
| Daily commute | N/A | 6% |
| Profession | 6% | N/A |
| Paperless/electornic documents | 2% | 5% |
| Electronic funds transfer | 5% | 5% |
| Electronic signature | 3% | N/A |
| Safety devices | 1% | 2% |
| Air bags | N/A | 2% |
| Marital status | 12% | 11% |
| Anti-theft device | 1% | 1% |
Always ask about discounts when comparing insurance options to see what you might qualify for.
American Family vs. Mercury: The bottom line
Both American Family and Mercury are good insurance companies, but if cheaper rates are your top priority, American Family might be the best option for you. Still, it's a good idea to look at more than just price and compare quotes from different companies to find the best car insurance for your needs.
Methodology
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
- All available year, make and model data
Rates were fielded by Quadrant Information Services, with more than 220 companies and 34,588 ZIP codes surveyed.
Helpful auto insurance tools and calculators
