- 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 state minimum coverage costs an average of $602 annually, while Mercury costs $607.
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 plays a major role in calculating insurance rates. Companies look at things like speeding, accidents and distracted driving. Teen drivers are seen as high-risk, which makes them one of the most expensive age groups to insure. Rates usually go down as you get older.
For example, adults pay an average of $4,515 with American Family, while Mercury charges an average of $7,475 for an adult.
| 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 are different in every state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where American Family and Mercury offer the lowest rates. Don't forget to compare quotes from different companies, since your price also depends on your location, driving history and personal details.
| 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 are important to insurance customers and can help you save a lot on your yearly insurance costs. Below are some of the discounts American Family and Mercury give to 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 remember to ask about discounts when comparing insurance options to find out 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
Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared the base sample rate.
Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.
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