American Family and Mercury are two of the popular insurance companies in the U.S. Both the insurers have a lot to offer, making it difficult for you to choose between them. However, American Family offers the lowest insurance rates compared to Mercury.
To make insurance shopping easy for you we have gathered quotes from both the insurance companies as well as analyzed the carriers based on several rating factors. Find the right insurance policy for you today.
Key takeaways
- The state minimum coverage offered by American Family costs $631 per year, and Mercury offers state minimum coverage at $792 annually.
- The full overage for American Family costs $1,496 per year and for Mercury at $2,472 per year.
- For customer service, American Family earned 3.5 out of 5 stars while Mercury earned 3 out of 5 stars.
- Pet injury coverage, usage-based/Telematics, mobile app, and accident forgiveness are a few coverage options that American Family provides. Mercury offers coverage options including mobile app and usage-based/Telematics.
- Multi-vehicle, multi-policy, and safe driver are a few discounts American Family and Mercury offer.
- 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: Customer service and tech friendly
- American Family vs Mercury: Which has better coverage options?
- American Family vs Mercury: Which offers better discounts?
American Family vs Mercury: Which one is the cheapest?
If price is what’s most important, American Family is likely going to be the better choice. American Family usually offers lower rates than Mercury. American Family offers full coverage insurance for an average of $1,496 per year and Mercury provides full coverage for $2,472 annually.
The cost of state minimum coverage from American Family is $631 per year and Mercury offers state minimum coverage for $792 annually. However, it’s still a good idea to get quotes from both companies though to see what’s better for your specific situation.
| Company | Average annual rate for full coverage | Average annual rate for state minimum coverage |
|---|---|---|
| American Family | $1,496 | $631 |
| Mercury | $2,472 | $792 |
American Family vs Mercury: Rates by age group
American Family has the cheapest insurance rates for most age groups. Insurance companies have different rates depending on your age. They use it as an indicator to determine how much risk a drive poses and then price policies accordingly.
Car insurance rates are higher for teenagers as they are considered high risk by insurers. Teens should consider buying insurance from American Family, as its rates are lower than Mercury. American Family offers insurance for teenagers at an average of $3,611 per year, whereas Mercury provides insurance to teen drivers for $8,109 annually.
| Age (group) | American Family | Mercury |
|---|---|---|
| Adults | $1,343 | $2,264 |
| Seniors | $1,373 | $2,319 |
| Teens | $3,611 | $8,109 |
| Young adults | $1,872 | $3,512 |
American Family vs Mercury: Rates for high-risk drivers
In our study we found that American Family is an affordable insurer for most drivers than Mercury. American Family is the cheapest for drivers with a DUI/DWI first offense. Its average annual rate is $2,398 and Mercury's rates after a DUI/DWI offense is $3,155 per year.
When it comes to finding affordable rates for high-risk drivers, American Family and Mercury are two of the best options out there. Although both companies are viable options for high-risk drivers, one may be a better fit for your specific needs. By examining the rates mentioned in the table below, you can make an informed decision about which insurer offers the best rates for your specific situation.
| Profile Value (group) | American Family | Mercury |
|---|---|---|
| 1 At-fault property damage accident over $2K | $1,879 | $3,944 |
| 1 At-fault property damage accident under $2K | $1,879 | $3,820 |
| At-fault bodily injury accident | $1,928 | $3,907 |
| Careless driving | $2,118 | $3,359 |
| DUI/DWI first offense | $2,398 | $3,155 |
| Reckless driving | $2,630 | $3,587 |
| Speeding | $2,188 | $3,042 |
American Family vs Mercury: Customer service and tech friendly
For customer service, American Family earned 3.5 stars out of 5, while Mercury earned 3 stars.
Which insurance company provides a better online experience? Both American Family and Mercury offer online quotes comparison. Apart from that, they have easy to use mobile apps that allow you to pay bills, view your profile and file insurance claims.
American Family vs Mercury: Which has better coverage options?
Every state has different requirements for car insurance, this is because the laws surrounding driving vary from place to place. However, each insurer offers standard coverage such as liability, comprehensive and collision coverage to make sure you're protected if anything goes wrong.
Both American Family and Mercury have a wide range of coverage options. Below table shows the different coverages offered by American Family and Mercury:
American Family vs Mercury: Which offers better discounts?
Insurance companies offer a variety of discounts to help you save money on your car insurance. While they may not seem like much, these dollar amounts add up to trim your insurance costs. Check out what discount options American Family and Mercury offer to policyholders, and which carrier fits your needs.
