Compare State Farm vs. Mercury Insurance

State Farm and Mercury are two top-rated companies in the auto insurance industry. State Farm is best liked for its competitive discounts and excellent customer service. Whereas, Mercury is best liked for its variety of discounts and prompt claims process.

However, Mercury has a habit or raising rates without advanced notice. And State Farm lacks mechanical breakdown coverage. Still, both companies are well liked and have superior financial strength and J.D. Power ratings.

So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  State Farm Mercury
Best If State Farm
  • You want competitive discounts, strong mobile and online features, and high customer satisfaction
Mercury
  • You want a lot of good discounts
Worst If State Farm
  • You want mechanical breakdown coverage
Mercury
  • You want an easy sign-up process

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Special Car Insurance Discounts

State Farm Mercury
State Farm

Commercial Auto Insurance

If you’re a business owner and have vehicles (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you if an employee driving one of your business vehicles gets into an accident.

There are multiple coverage options for commercial auto insurance:

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Personal Injury/Medical Payments Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorists Coverage

There’s also Employers Non-Owned Liability Coverage (ENOL). This policy covers you if any of your employees use their own cars for business purposes. If they get into an accident, you won’t suffer any financial losses.

Classic Car Insurance

State Farm provides coverage for customers who own classic or antique cars. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance.

The coverages for this type of policy are:

  • Liability
  • Medical Payments/No Fault
  • Comprehensive
  • Collision
  • Uninsured/Underinsured Motor Vehicles
  • Emergency Road Service
  • Death, Dismemberment, and Loss of Sight
  • Loss of Earnings
Mercury

Standard Car Insurance Discounts

Bundling Coverage Discounts State Farm Mercury
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features State Farm 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 State Farm Mercury
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships State Farm Mercury
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances State Farm Mercury
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts State Farm Mercury
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

State Farm Auto Insurance Mercury Car Insurance
2016 105 71
2015 155 92
2014 178 105
2013 135 83

U.S. Auto Insurance Shopping Study (2016)

State Farm Auto Insurance Mercury Car Insurance
Overall Purchase Experience Above average Above average
Policy Offerings Above average Above average
Pricing Average Above average
Local Agent Among the best Average
Call Center Representative -- Average
Insurer Website Average --

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

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

Financial Strength Ratings

State Farm Auto Insurance Mercury Car Insurance
A.M. Best A++ A+
Moody's Aa1 --
S&P's AA --

Mobile Apps

State Farm Mercury
State Farm

State Farm has seven mobile apps for your smartphone or web browser that can manage your insurance policies.

Pocket Agent

This app lets you:

  • View your insurance card
  • File or view a claim
  • Access Roadside Assistance
  • Connect with your local agent

You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login.

CarCapture

This app is powered by Edmunds.com, a car shopping website. The app recognizes any vehicle you take a picture of from the back. It can tell you anything you want to know about it. You can learn its market value and even locate a nearby dealership. You could even do this while getting a State Farm auto insurance quote.

Steer Clear

This app encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences.

Driver Feedback

This an app for drivers of all ages looking to improve their driving habits. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. The app uses your phone’s accelerometer to measure and score these areas. And then it provides you with tips based on your results.

Driver Feedback Instructor Edition

This app was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback.

Drive Safe & Save Mobile

This app is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan.

MoveTools

This app makes the moving process that much easier. You can use MoveTools to virtually pack your belongings. The app has a feature that let you label your boxes and write down each one’s contents. That can help you keep track of them during the move.

To learn more and download any of these State Farm mobile apps, click here

 

Mercury

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

State Farm Mercury
State Farm

State Farm Emergency Road Service

This service can help if you need:

  • Mechanical labor
  • Towing
  • Delivery of gas
  • Tire change
  • Battery jump-start
  • Locksmith services

Or if your car is stuck somewhere.

Roadside Assistance Services Covered

  • Mechanical labor at the site of your car’s breakdown (up to 1 hour) minor labor at the site
  • Towing to the nearest repair service center. Must be near a public road, not in the middle of the campsite
  • Delivery of gas, oil, battery, or replacement tire (but will not pay for these items)
  • Locksmith labor to unlock the car covered up to 1 hour

Services Not Covered

  • Towing cost beyond the nearest repair service center
  • Labor costs beyond the first hour

Contact Phone Number

State Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. Its website is here.

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

Call the hotline (800) 503-3724.