Compare American Family vs. Mercury Insurance

Mercury and American Family are two big names in the auto insurance world. American Family was founded in 1927 and Mercury was founded in 1962. American Family offers additional coverage, while Mercury offers a very swift claims process. However, Mercury has a habit of raising rates without advanced notice, and American Family lacks consistent customer support. Still, both companies are well liked for providing such a wide variety of discounts. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  American Family Mercury
Best If American Family
  • You want many discount options or additional coverage
  • You want a lot of good discounts
Worst If American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.
  • You want an easy sign-up process

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like American Family and Mercury. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Special Car Insurance Discounts

American Family Mercury
American Family

Teen Safe Driver Program

American Family's home website says its Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance

Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance

This special policy allows classic car owners provides coverage that aligns with the car's value. American Family helps create a personalized policy that gives these cars the protection they need.


Standard Car Insurance Discounts

Bundling Coverage Discounts American Family Mercury
Home and Car
Car and Life
Vehicle Type and Safety Features American Family Mercury
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History American Family Mercury
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships American Family Mercury
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Special Circumstances American Family Mercury
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts American Family Mercury
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

American Family Car Insurance Mercury Insurance
2016 33 71
2015 32 92
2014 18 105
2013 9 83

U.S. Auto Insurance Shopping Study (2016)

American Family Car Insurance Mercury Insurance
Overall Purchase Experience Above average Above average
Policy Offerings Above average Above average
Pricing Above average Above average
Local Agent Above average Average
Call Center Representative -- Average
Insurer Website -- --

U.S. Auto Insurance Claims Satisfaction Study (2015)

American Family Car Insurance Mercury Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Above average Average
Appraisal Average Below average
Repair Process Average Below average
Rental Car Experience Above average Average
Settlement Average Average

Financial Strength Ratings

American Family Car Insurance Mercury Insurance
A.M. Best A- A+
Moody's -- --
S&P's A --

Mobile Apps

American Family Mercury
American Family

My Amfam

American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device. So interacting with your insurance company or agent is just one touch away. Use it to contact or search for nearby agents, file or view an auto claim, and make insurance payments. The app is downloadable for iPhone or Android here.


This app lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items. If you need to file a claim, all your information on your belongings is right there in your hands. Download DreamVault here


Mercury Portal

This app lets you manage your auto insurance policies from your mobile device. You can: pay your auto bills, view your policy information, contact your agent, and request policy changes. You can even view your policy claims and payment history.

To download the app for Android, click here.

Roadside Assistance

American Family Mercury
American Family

American Family Emergency Roadside Service

Service's include. mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, and battery charges. You can also get locksmith services if you’re locked out.

Add this to your existing auto policy for help when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

Call 1 (800) MYAMFAM (1-800-692-6326)


Mercury Mechanical Breakdown Protection

Mechanical Breakdown Protection essentially works as an extended warranty on your car. It covers the cost of repair when it breads down. While not exactly a roadside assistance program it covers that and more.

Roadside Services Covered

  • 24-hour roadside assistance
  • Rental car assistance
  • Tire protection
  • Trip interruption coverage
  • Nationwide protection
  • Repairs at any licensed repair shop
  • No limit to number of claims
  • Coverage is transferrable

Contact Phone Number

Call the hotline (800) 503-3724.