Mercury vs State Farm Car Insurance for 2025
Compare Mercury vs State Farm car insurance and find the best coverage for your needs
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
UPDATED: Apr 16, 2023
It’s all about you. We want to help you make the right coverage choices.
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Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Apr 16, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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When it comes to finding the best car insurance, there are a lot of factors to consider. Two of the most popular options on the market today are Mercury car insurance and State Farm car insurance. In this article, we’ll take a closer look at both companies and compare their history, mission, products, services, discounts, and customer reviews. By the end of this article, you’ll have a better understanding of the similarities and differences between these two providers, and be able to make a more informed decision about which one is right for you.
Before we dive into the details, here are three key points to keep in mind when comparing Mercury and State Farm:
- Mercury offers lower rates for drivers with a clean driving record, but State Farm is known for their extensive coverage options.
- State Farm has a much larger network of agents and offices than Mercury, making them more accessible for many customers.
- Both companies offer discounts for safe driving, multiple policies, and loyalty, but their specific discounts and qualifications may differ.
Company History and Mission:
Mercury Insurance was founded in 1961 and is headquartered in Los Angeles, California. They offer a range of insurance products, including car, home, and business insurance, and serve customers in 11 states across the United States. Mercury’s mission is to provide affordable, high-quality insurance products and exceptional customer service to their policyholders.
State Farm was founded in 1922 and is based in Bloomington, Illinois. They offer a wide range of insurance and financial products, including car, home, life, and health insurance, and serve customers in all 50 states. State Farm’s mission is to help people manage the risks of everyday life, recover from the unexpected, and realize their dreams.
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Products and Services:
Both Mercury and State Farm offer car insurance policies that cover liability, collision, and comprehensive damage, as well as personal injury protection and uninsured/underinsured motorist coverage. However, there are some key differences in the products and services they offer:
- Mercury offers a range of optional coverage options, including roadside assistance, rental car reimbursement, and mechanical breakdown protection.
- State Farm offers coverage for classic and antique cars, as well as rideshare drivers who use services like Uber and Lyft.
When it comes to cost, Mercury is known for offering some of the lowest rates in the industry, especially for drivers with a clean driving record. State Farm’s rates may be slightly higher, but they offer a range of discounts that can help lower the cost of coverage.
Mercury and State Farm Discounts:
Both Mercury and State Farm offer a range of discounts to their customers. Some of the most common discounts include:
- Safe driving discounts for drivers with a clean record
- Multi-policy discounts for customers who bundle their car insurance with other types of insurance, such as home or life insurance
- Loyalty discounts for customers who have been with the company for a certain number of years
However, the specific discounts and qualifications may differ between the two companies. For example, Mercury offers discounts for teachers and government employees, while State Farm offers discounts for good students and military personnel.
Customer Reviews:
When it comes to customer satisfaction, both Mercury and State Farm have received mixed reviews. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Mercury ranked above average in the California region for customer satisfaction, while State Farm ranked above average in all regions except the Mid-Atlantic. However, both companies have also received negative reviews from customers who experienced issues with claims processing, customer service, or other aspects of their coverage.
Frequently Asked Questions
Can I bundle my car insurance with other types of insurance at Mercury and State Farm?
Yes, both Mercury and State Farm offer bundling options that allow you to combine your car insurance with other types of insurance, such as home or renters insurance. This can often result in lower overall premiums and more convenient billing.
Do Mercury and State Farm offer roadside assistance?
Yes, both companies offer roadside assistance as an optional add-on to their car insurance policies. This service can provide peace of mind in the event of a breakdown, flat tire, or other unexpected vehicle issue.
Can I get a discount for having good driving habits?
Yes, both Mercury and State Farm offer discounts for safe driving habits. These discounts can include things like maintaining a clean driving record or installing a telematics device that tracks your driving behavior.
How do I file a claim with Mercury or State Farm?
You can file a claim with either company by contacting their claims department via phone or online. Both companies have mobile apps that allow you to submit claims and track their progress, and State Farm also offers a convenient “Pocket Agent” tool that can help you manage your policy and claims.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.