4.8out of 3,000+ reviews

American Family vs Mercury Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

American Family
89
What is this?

Insurify Composite Score

Mercury
81
What is this?

Insurify Composite Score

American Family VS Mercury
89
81
What is this?
User Ratings
OptionsAmerican Family Mercury
Rating/Reviews
138 reviews
1,419 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmerican Family Mercury
Local AgentBetter than mostThe rest
Overall SatisfactionBetter than mostThe rest
Policy OfferingsBetter than mostThe rest
PricingBetter than mostThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmerican Family Mercury
Claim ServicingAbout averageThe rest
Estimation ProcessAbout averageAbout average
First Notice of Loss (FNOL)About averageThe rest
Overall SatisfactionAbout averageThe rest
Rental ExperienceAbout averageThe rest
Repair ProcessAbout averageAbout average
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAmerican Family Mercury
California--795 pt
The rest
Central823 pt
About average
--
Florida--808 pt
The rest
North Central820 pt
About average
--
Northwest826 pt
Better than most
--
Southwest819 pt
About average
--
Mobile App Ratings
RegionAmerican Family Mercury
Android
1,081 Reviews
161 Reviews
iOS
6,200 Reviews
--
Financial Ratings
OptionsAmerican Family Mercury
A.M. BestAA
FitchA+A
Moody'sAa3A2
Standard & Poor'sA+--

Auto Insurance Quotes

For Married Drivers

CityAmerican Family Mercury
Austin--$74
Chicago$76$106
Phoenix$82$96
Santa Monica--$67

For Single Drivers

CityAmerican Family Mercury
Austin--$81
Chicago$76$152
Phoenix$82$93
Santa Monica--$122

For Male Drivers

CityAmerican Family Mercury
Austin--$77
Chicago$76$146
Phoenix$82$94
Santa Monica--$116

For Female Drivers

CityAmerican Family Mercury
Austin--$78
Chicago$76$113
Phoenix$82$95
Santa Monica--$72

For Drivers with Speeding Ticket

CityAmerican Family Mercury
Austin--$102
Chicago$102$174
Phoenix$121$114
Santa Monica--$134

For Drivers with No Speeding Ticket

CityAmerican Family Mercury
Austin--$72
Chicago$70$119
Phoenix$74$91
Santa Monica--$86

For Drivers Age Between 18-40

CityAmerican Family Mercury
Austin--$81
Chicago$76$150
Phoenix$81$92
Santa Monica--$136

For Drivers Age Between 40-65

CityAmerican Family Mercury
Austin--$70
Chicago$72$103
Phoenix$77$90
Santa Monica--$60

For Drivers Age of 65+

CityAmerican Family Mercury
Austin--$93
Chicago$89$147
Phoenix$104$123
Santa Monica--$67

For Drivers with Average Credit

CityAmerican Family Mercury
Austin--$86
Chicago$80$134
Phoenix$87$103
Santa Monica--$83

For Drivers with Fair Credit

CityAmerican Family Mercury
Austin--$84
Chicago$82$111
Phoenix$89$102
Santa Monica--$79

For Drivers with Good Credit

CityAmerican Family Mercury
Austin--$74
Chicago$73$123
Phoenix$80$99
Santa Monica--$67

For Drivers with Excellent Credit

CityAmerican Family Mercury
Austin--$67
Chicago$68$149
Phoenix$72$75
Santa Monica--$147

Quotes & Discounts

Discount typeAmerican Family Mercury
Passive RestraintUp to 30%Up to 5%
Good StudentUp to 25%Up to 10%
MilitaryUp to 25%--
Senior AdultUp to 25%Varies
Student Away at SchoolUp to 25%Up to 10%
Multiple PolicyUp to 15%Up to 10%
Multiple VehicleUp to 13%Up to 26%
OccupationUp to 10%--
Low MileageUp to 8%Varies
Anti-lock BrakeUp to 5%--
Driving HabitsUp to 5%--
Early QuoteUp to 5%--
Electronic Stability ControlUp to 5%--
Home OwnerUp to 5%--
LoyaltyUp to 5%--
New GraduateUp to 5%--
Paid in fullUp to 5%Varies
Preferred paymentUp to 5%--
Provider SwitchUp to 5%--
Sponsored MarketingUp to 5%--
TravelinkUp to 5%--
Accident FreeUp to 3%--
Daytime Running LightsUp to 3%--
Paperless documentsUp to 3%--
Accident ForgivenessVaries--
Anti-Theft DeviceVariesUp to 5%
Defensive DriverVaries--
teenSMARTVaries--
Federal Employee--Varies
Good Credit--Up to 73%
Good Driver--Up to 18%
Occasional driver--Varies
Organization--Varies
Professional organization--Varies
Public Safety Professional--Varies
VIN Etching--Varies

Payment Methods

Discount typeAmerican Family Mercury
Automatic Online Payment
yes--
Bank Payment/Direct Deposit yes--
Credit Card Payment yes--
Debit Card Payments yes--
Mail Payment
yesyes
Mobile App Payments
yes--
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
yesyes

Features and Services

Features and ServicesAmerican Family Mercury
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAmerican Family Mercury
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Comprehensive Claim Forgiveness
yesyes
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Gap Insurance
yes--
Legal Defense Costs Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
SR-22 Coverage
yes--
Umbrella Policy
yes--
Work Loss Coverage
yes--

Online Quoting by State

  • American Family
  • Mercury
  • Both

Uber and Lyft driver insurance

  • American Family
  • Mercury
  • Both

SR‌-22 Insurance by State

  • American Family
  • Mercury
  • Both

Compare Insurance Products

ProductAmerican Family Mercury
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyes--
Business InsuranceBusiness Insuranceyesyes
Commercial InsuranceCommercial Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Farm InsuranceFarm Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Health InsuranceHealth Insuranceyes--
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyes--
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyes--
Snowmobile insuranceSnowmobile insuranceyes--
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • American Family Reviews
  • Mercury Reviews
3.4
5 Stars
37 %
4 Stars
12 %
3 Stars
23 %
2 Stars
9 %
1 Star
19 %

Most Positive Review

By Theresa
They have been honest, personable,and easy to communicate with. Their rates are reasonable and automatic payments are a nice way to pay. I only am planning to switch because the location I'm moving to isn't covered by American Family.

Most Critical Review

By dmack
They base adjuster salaries on steering. In the adjuster performance reviews they have a required goal on steering vehicles to CRP shops and if the vehicles aren't repaired at the AmFam shop the adjuster will received a poor performance rating which ties directly to salary and promotional opportunities. Some adjusters will hang up on customers who are reporting a loss if they don't select a CRP as they don't want their performance rating impacted.

All Reviews

Showing 1 - 10 out of 138 Reviews
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Read reviews that mention

Charles
aholes
Tun
Patrick
Melvin
they help me out when nobody else would
Suzanne
We have been satisfied with their service but they are expensive.
Felicia
When I filled a claim I had no follow up from the claim adjuster. I am still waiting for my deductible to be paid back.
Stephanie
They have horrible customer service and the lack of integrity that my insurance agent has is 0
Daile
The customer service
Julia
Very good insurance and have been really happy with my agent and was originally the least expensive. Ive had a couple issues with the call center but not enough for me to really care. Looking to switch only because other companies are having lower prices for me now.
Michael
Price
Showing 1 - 10 out of 138 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.