4.8out of 3,000+ reviews

Farmers vs Mercury Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

Farmers
85
What is this?

Insurify Composite Score

Mercury
81
What is this?

Insurify Composite Score

Farmers VS Mercury
85
81
What is this?
User Ratings
OptionsFarmers Mercury
Rating/Reviews
506 reviews
1,419 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsFarmers Mercury
Insurer WebsiteAbout average--
Local AgentAbout averageThe rest
Overall SatisfactionAbout averageThe rest
Policy OfferingsAbout averageThe rest
PricingAbout averageThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsFarmers 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 ProcessThe restAbout average
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionFarmers Mercury
California795 pt
The rest
795 pt
The rest
Central821 pt
About average
--
Florida820 pt
About average
808 pt
The rest
Mid-Atlantic814 pt
The rest
--
North Central808 pt
The rest
--
Northwest785 pt
The rest
--
Southwest797 pt
The rest
--
Texas822 pt
About average
--
Mobile App Ratings
RegionFarmers Mercury
Android
2,565 Reviews
161 Reviews
iOS
538 Reviews
--
Financial Ratings
OptionsFarmers Mercury
A.M. BestAA
FitchA+A
Moody'sA2A2
Standard & Poor'sA--

Auto Insurance Quotes

For Married Drivers

CityFarmers Mercury
Austin--$74
Chicago$124$106
Phoenix$126$96
Santa Monica$120$67

For Single Drivers

CityFarmers Mercury
Austin--$81
Chicago$117$152
Phoenix$120$93
Santa Monica$263$122

For Male Drivers

CityFarmers Mercury
Austin--$77
Chicago$129$146
Phoenix$129$94
Santa Monica$269$116

For Female Drivers

CityFarmers Mercury
Austin--$78
Chicago$112$113
Phoenix$117$95
Santa Monica$114$72

For Drivers with Speeding Ticket

CityFarmers Mercury
Austin--$102
Chicago$163$174
Phoenix$157$114
Santa Monica$302$134

For Drivers with No Speeding Ticket

CityFarmers Mercury
Austin--$72
Chicago$111$119
Phoenix$116$91
Santa Monica$168$86

For Drivers Age Between 18-40

CityFarmers Mercury
Austin--$81
Chicago$120$150
Phoenix$123$92
Santa Monica$303$136

For Drivers Age Between 40-65

CityFarmers Mercury
Austin--$70
Chicago$115$103
Phoenix$118$90
Santa Monica$104$60

For Drivers Age of 65+

CityFarmers Mercury
Austin--$93
Chicago$142$147
Phoenix$143$123
Santa Monica$101$67

For Drivers with Average Credit

CityFarmers Mercury
Austin--$86
Chicago$116$134
Phoenix$123$103
Santa Monica$149$83

For Drivers with Fair Credit

CityFarmers Mercury
Austin--$84
Chicago$132$111
Phoenix$134$102
Santa Monica$134$79

For Drivers with Good Credit

CityFarmers Mercury
Austin--$74
Chicago$126$123
Phoenix$128$99
Santa Monica$140$67

For Drivers with Excellent Credit

CityFarmers Mercury
Austin--$67
Chicago$108$149
Phoenix$108$75
Santa Monica$343$147

Quotes & Discounts

Discount typeFarmers Mercury
Multiple PolicyUp to 10%Up to 10%
EV/HybridUp to 5%--
Affinity groupVaries--
Anti-Theft DeviceVariesUp to 5%
Anti-lock BrakeVaries--
Claims Free RenewalVaries--
Daytime Running LightsVaries--
Defensive DriverVaries--
Driving HabitsVaries--
Driving trainingVaries--
E-billingVaries--
Early QuoteVaries--
Electronic Stability ControlVaries--
FamilyVaries--
Good DriverVariesUp to 18%
Good PayerVaries--
Good StudentVariesUp to 10%
Home OwnerVaries--
LoyaltyVaries--
Mature driverVaries--
MilitaryVaries--
Multiple VehicleVariesUp to 26%
On Your OwnVaries--
OrganizationVariesVaries
Paid in fullVariesVaries
Paperless documentsVaries--
Passive RestraintVariesUp to 5%
Preferred paymentVaries--
PrepayVaries--
Professional organizationVariesVaries
Provider SwitchVaries--
Senior AdultVariesVaries
Student Away at SchoolVariesUp to 10%
VIN EtchingVariesVaries
Youth DrivingVaries--
teenSMARTVaries--
Federal Employee--Varies
Good Credit--Up to 73%
Low Mileage--Varies
Occasional driver--Varies
Public Safety Professional--Varies

Payment Methods

Discount typeFarmers Mercury
Automatic Online Payment
yes--
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
In Person Payment
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 ServicesFarmers Mercury
24/7 service--yes
Accident forgivenessyes--
Flexible / convenient paymentsyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesFarmers Mercury
Accident Forgiveness
yes--
Antique or Collector Car Insurance
yes--
Comprehensive Claim Forgiveness
yesyes
Emergency Lockout Coverage
yes--
Glass Coverage yes--
Incident Forgiveness
yes--
Loss of Use Coverage
yes--
New Car Replacement Coverage
yes--
No Fault Coverage
yes--
Original Equipment Manufacturer Coverage
yes--
Personal/Upgraded Item Coverage
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes
Small Claim Forgiveness
yes--
Umbrella Policy
yes--
Vanishing Deductible
yes--

Insurance by State

Uber and Lyft driver insurance

  • Farmers
  • Mercury
  • Both

SR‌-22 Insurance by State

  • Farmers
  • Mercury
  • Both

Compare Insurance Products

ProductFarmers Mercury
Car InsuranceCar Insuranceyesyes
Business InsuranceBusiness Insuranceyesyes
Classic Car InsuranceClassic Car Insuranceyes--
Commercial InsuranceCommercial Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Earthquake InsuranceEarthquake Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyes--
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Pet InsurancePet Insuranceyes--
Recreational InsuranceRecreational Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Farmers Reviews
  • Mercury Reviews
3.4
5 Stars
37 %
4 Stars
17 %
3 Stars
15 %
2 Stars
8 %
1 Star
24 %

Most Positive Review

By Joe
They provided me with good service and whenever I needed to make a change in coverage they were very accommodating and when I had a claim they were very quick in taking care of it.

Most Critical Review

By Chesney
Farmers is the absolute worst insurance company around, their communication is poor, customer service is poor & they don’t seem to care about their customers needs

All Reviews

Showing 1 - 10 out of 506 Reviews
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Read reviews that mention

Terence A.Fomba
Please I wish to enquire if I can pay insurance using my name on my brother's car and drive with my international drivers licenses?
Sharon
Good agent
Jagtar
David
Farmers suck. If you are not at fault in an accident. You are on your own. They do nothing. We had to contact their insurance and all kind of rental car arrangements. They did nothing and they sucked.
David
We were in a car accident. The car was hit while my wife and I went for a walk in the park. The gentleman who hit the car was good enough to wait for us to return from our walk. He worked for the city of Maggie Valley. Farmers did nothing for us. We had to contact everyone because the party is as at fault.
Mirtha
Very expensive
Brenda
They were expensive.
Chris
Rates and coverage
Anis
Professional
Michael
They were always on top of everything I had to do with them. They were always quick to resolve issues and handle my claims. I felt secure with them as my insurance carrier
Showing 1 - 10 out of 506 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.