Compare Farmers vs. Mercury Insurance

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Farmers and Mercury are two well-known companies in the insurance world. Farmers was founded in 1928 and Mercury was founded in 1962. Farmers is best for customers who require a lot of coverage, while Mercury is best for customers who prefer a swift claims process. But, Mercury has an involved sign-up process and Farmers lacks the online tools to manage your own policy.

Still, both companies offer a nice variety of discounts for customers. 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

  Farmers Mercury
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
Mercury
  • You want a lot of good discounts
Worst If Farmers
  • You want slick online tools to manage your policy
Mercury
  • You want an easy sign-up process

Special Car Insurance Discounts

Farmers Mercury
Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

Mercury

Standard Car Insurance Discounts

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

Consumer Complaint Data

Farmers Car Insurance Mercury Insurance
2016 167 71
2015 262 92
2014 237 105
2013 300 83

U.S. Auto Insurance Shopping Study (2016)

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

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

Farmers 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 Average Average
Settlement Average Average

Financial Strength Ratings

Farmers Car Insurance Mercury Insurance
A.M. Best A A+
Moody's Aa3 --
S&P's A+ --

Mobile Apps

Farmers Mercury
Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. Download the app here.

Mercury

Mercury Portal by Mercury Insurance Group is an app that lets you manage your auto insurance policies from your mobile device. You can use the app to pay your auto bills, view your policy information, contact your agent, request policy changes, and even view your policy claims and payment history.

To download the app for Android, click here.

Roadside Assistance

Farmers Mercury
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services. 

Mercury

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

For Roadside Assistance, call our hotline (800) 503-3724.