American Family vs. Mercury Insurance

Which insurance provider is right for you? Compare rates, pros & cons, and quotes from American Family and Mercury.

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American Family vs. Mercury: What You Need to Know

Allied Mutual Automobile Association was formed by Harold Evans in 1929. After years of operating as a standalone brand, Allied Insurance became Nationwide in 1998. Policies, documents, bills and account statements for Allied customers are now featuring the Nationwide name and logo.

George Joseph founded Mercury General Corporation in Los Angeles with a promise to provide more affordable rates than other carriers and the best customer service in the industry. The first policy was sold in 1962 when the company had only six employees and 90 agents. Two years later Mercury Insurance opened an office in Orange County, CA. They continued expanding in southern California with an office opening in San Diego. In 1968 Mercury established a holding company, then acquired shares of Mercury Casualty Company and made it a wholly-owned subsidiary of Mercury General Corp. They then moved into their newly opened San Jose office. In 1970, Mercury wrote $1 million in premiums in one month and grew to employ 467 agents. In 1972 they sold their first homeowners policy. In 1973 Mercury formed a subsidiary for underwriting preferred risk, thereby increasing business using a 34-page manual written by the company’s founder. In 1974, Mercury opened its first Sacramento office and by 1977, Mercury Insurance becomes the largest insurance subsidiary, producing over $1 billion in premiums by 2011. In 1978, Mercury established a Special Investigations Unit (SIU) to fight insurance fraud.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit American Family Overview and Mercury Insurance Overview.

American Family vs. Mercury: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with American Family and Mercury. On average, American Family charges approximately $224.30 per month while Mercury comes in at around $151.63 per month. For American Family, the cheapest state average is Washington at $237.39 per month and the most expensive is Nevada at $337.95 per month. For Mercury, the cheapest state average is Illinois at $106.75 per month and the most expensive is New Jersey at $229.00 per month.

American Family

Average Rate

$224.30
Mercury

Average Rate

$151.63
National

Average Rate

$133.56
State American Family Mercury
Arizona- $182.25
California- $141.08
Florida- $211.37
Georgia- $161.49
Illinois- $106.75
Nevada $337.95 $228.01
New Jersey- $229.00
Texas- $158.74
Washington $237.39 -

American Family vs. Mercury: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that American Family and Mercury typically charge for drivers who have more than 1 vehicle.

Number of Vehicles American Family Mercury
1 Vehicle $217.82 $140.73
2 Vehicles $263.16 $224.05

American Family vs. Mercury: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average American Family charges $218.70 per month and Mercury charges $165.12 per month for customers who own their home.

Own/Rent American Family Mercury
Own $218.70 $165.12
Rent $225.68 $149.15

What is American Family and Mercury Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how American Family and Mercury ranked among the industry ratings.

ComparisonAmerican FamilyMercury
Year Founded19271962
Market Share1.91%1.13%
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD Power RankingAbout AverageAverage
Moody’s RatingBaa2
NAIC Complaint Index0.64
S&P RatingAA

American Family or Mercury: Insurance Products Offered

What coverage is available through American Family and Mercury? Both insurance companies offer Auto, Commercial, Condo, Home, Renters, and Umbrella insurance. Additional products from American Family insurance also includes Farm, Health, Life, Motorcycle, and RV insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit American Family and Mercury Insurance page.

InsuranceAmerican FamilyMercury
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

American Family or Mercury: Ways To Save

Mercury offers a wide range of discounts to its policyholders, including AutoPay, E-signature, and Good Driver discounts. American Family also offers a few discounts that Mercury doesn’t include Young Volunteer, Teen Safe Driver, and Smart Home discounts. Start taking advantage of discounts offered by insurance providers like Mercury and American Family insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

American FamilyMercury
Away at School DiscountAnti-theft Feature Discount
Claims-free PricingAutoPay Discount
Generational DiscountE-signature Discount
Good Student DiscountGood Driver Discount
KnowYourDriveGood Student Discount
Loyalty DiscountMulti-car Discount
Multi-product DiscountMulti-policy Discount
Smart Home DiscountOccupational Discount
Teen Safe Driver DiscountPay-in-Full Discount
Young Volunteer Discount

Pros & Cons of American Family & Mercury

Pros

American Family
  • American Family Insurance has 24/7 claim support.
  • With KnowYourDrive technology that analyzes your driving habits, you may be able to earn a discount of up to 20%.
  • Teen Safe Driver also uses technology to monitor distracted driving and may earn a teen up to 10% in car insurance discounts.
  • The American Family MyAmFam app is very helpful for managing your account.
  • American Family Insurance offers rideshare insurance for Uber and Lyft drivers.
Mercury
  • Offers low rates and excellent coverage for homeowners, condo, renters, umbrella, auto, mechanical breakdown, business auto and business insurance in 13 states.

Cons

American Family
  • American Family Insurance only serves 19 states.
Mercury
  • Mercury Insurance is only available in 13 states.
  • Not all discounts are available in all 13 states.

American Family or Mercury Mobile Apps Options

The American Family mobile app is available for iOS and Android. Called MyAmFam, the app allows users to manage their insurance policy: Make payments, view coverage and policy details, access digital ID cards, in-app payment reminders, find a repair shop, submit a claim, get roadside assistance and more.

The Mercury Mobile app is available for android. This insurance tool is where you can manage payments, view auto policy information, download ID cards and more.

American Family Mobile App
iOS     4.830K user reviews
Android     4.43.5K user reviews
Mercury Mobile App
iOSN/ANot Available
Android     2.7200 user reviews

American Family & Mercury Contact Info

American Family Contact Info
Address6000 American Parkway, Madison, WI 53783
Phone1-800-692-6326
Websitehttps://www.amfam.com/insurance
Facebookhttps://www.facebook.com/amfam/
Twitterhttps://twitter.com/amfam
Youtubehttps://www.youtube.com/user/amfam
Linkedinhttps://www.linkedin.com/company/american-family-insurance/
Mercury Contact Info
Address4484 Wilshire Boulevard Los Angeles, California
Phone1 (800) 503-3724
Websitehttps://www.mecuryinsurance.com
Facebookhttps://www.facebook.com/MercuryInsurance
Twitterhttps://twitter.com/mercuryins
Youtubehttps://www.youtube.com/mercury
Linkedinhttps://www.linkedin.com/company/mercury-insurance

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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