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Mercury vs Texas Farm Bureau: which is better for car insurance in 2026?

Q: Is Mercury or Texas Farm Bureau cheaper?

We cannot answer that with published data. Texas Farm Bureau does not release public rate information, so no independent study — ours included — can put a national average next to Mercury's $3,472/yr. The only way to know is to quote both.

Q: Which handles claims better, Mercury or Texas Farm Bureau?

Neither has a clear edge. Mercury scores 701/1,000 and Texas Farm Bureau Not rated on the claims measure we use — close enough that the individual adjuster you draw matters more than the company average.

Q: Is Mercury better than Texas Farm Bureau overall?

We can't put two scores side by side here. Texas Farm Bureau does not publish enough of the underlying data for us to give it an overall score — we would rather say so than compute one from the two or three figures that do exist. Mercury scores 3.1 out of 5. Compare them on the individual categories above, and on the quotes you actually get.

Q: Can I switch from Mercury to Texas Farm Bureau mid-policy?

Yes. Auto policies can be cancelled at any time, and most insurers refund the unused premium pro-rata — though some charge a short-rate cancellation fee, so check your policy before you cancel. The one rule worth following: get the new policy bound and in force before you cancel the old one. Even a single day uninsured can count as a coverage lapse, which raises your rate at the next renewal and, in some states, exposes you to a registration penalty.

Mercury

Texas Farm BureauNot scored

Across our six scoring categories, Mercury comes out ahead in 1, Texas Farm Bureau in 1, with 4 too close to call. There is no overall score to compare, though: Texas Farm Bureau does not publish enough of the underlying data to earn one, and we would rather leave it blank than build a number out of the two or three figures that happen to exist. Mercury is the better-documented of the two, which is not the same as being the better insurer for you. Judge these two on the categories where both have real figures — and on what they actually quote you.

Mercury vs Texas Farm Bureau, side by side

Category

MercuryRead the full review

Texas Farm BureauRead the full review

Overall scoreWeighted across the six categories below

Not scored

PriceAverage annual full-coverage premium · 25% of score

1.5$3,472/yr

Average full coverage vs. $2,356 national average

Not published

This company does not release public rate data

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

3.5701/1,000

J.D. Power 2025 claims study, segment average 700

Not rated

Below the sampling frame of the J.D. Power claims study, which covers only the largest insurers

Complaint recordComplaints relative to company size · 15% of score

2.5More than expected

Complaints relative to company size, NAIC data 2021–2023

5.0Far fewer than expected

Complaints relative to company size, NAIC data 2022–2024

Better

Financial strengthAM Best Financial Strength Rating · 10% of score

4.0A

AM Best Financial Strength Rating

Better

3.0B++

AM Best Financial Strength Rating

DiscountsBreadth of published discounts · 15% of score

4.511 published

Discounts on the carrier's own pages · Telematics: RealDrive and MercuryGO

Not published

No discount list we could read on the carrier's own site

Digital experienceApp ratings and self-service depth · 15% of score

4.04.76 iOS / 4.0 Android

App Store (1.6K ratings) and Google Play (808 ratings), August 2026

Not published

No app-store presence we could verify

Availability

11 states, concentrated in California

1 state — Texas only, and membership is required

Best suited to

California drivers, where Mercury's pricing is most competitive

Texas drivers willing to join Farm Bureau for a low-complaint insurer

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

Mercury vs Texas Farm Bureau across all six categoriesScored 1–5. Longer is better in every category — the price bar already accounts for cheaper being better.

MercuryTexas Farm Bureau

Category by category

Price

Too close to call

Texas Farm Bureau does not release public rate data, so there is no like-for-like premium to set against Mercury's $3,472/yr. That is a real gap in the comparison, not a rounding error — treat Texas Farm Bureau's price as unknown until you have a quote in hand.

Mercury

$3,472 a year for full coverage, 47% above the national average. Mercury's national average is not flattering, though its California book is where it actually competes.

Texas Farm Bureau

Texas Farm Bureau is not included in the rate study behind every other premium in this review.

Claims satisfaction

Too close to call

Neither pulls ahead on claims satisfaction: Mercury posts 701/1,000 and Texas Farm Bureau Not rated, a difference too small to choose on.

Mercury

701 out of 1,000, one point above the segment average.

Texas Farm Bureau

Not in the J.D. Power claims study, which samples only the largest insurers.

Complaint record

Texas Farm Bureau ahead

Texas Farm Bureau takes complaint record on Far fewer than expected against Mercury's More than expected.

Mercury

More complaints than expected for its size, based on 2021–2023 data — an older window than most carriers here.

Texas Farm Bureau

Far fewer complaints than expected for its size — the strongest band we assign, and comfortably its best measure.

Financial strength

Mercury ahead

Mercury takes financial strength on A against Texas Farm Bureau's B++.

Mercury

AM Best A (Excellent), with the outlook revised from negative to stable in February 2026 after the California wildfires.

Texas Farm Bureau

AM Best B++ (Good), after downgrades from A (Excellent) to A- in April 2024 and then to B++. That is below the A- floor most comparison sites treat as a minimum.

Discounts

Too close to call

Neither pulls ahead on discounts: Mercury posts 11 published and Texas Farm Bureau Not published, a difference too small to choose on.

Mercury

Eleven published discounts, plus two separate usage-based programs — RealDrive for mileage and MercuryGO for driving behavior.

Texas Farm Bureau

No discount list we could read on its own site.

Digital experience

Too close to call

Neither pulls ahead on digital experience: Mercury posts 4.76 iOS / 4.0 Android and Texas Farm Bureau Not published, a difference too small to choose on.

Mercury

4.76 on the App Store and 4.0 on Google Play, across one of the smallest rating bases in this review.

Texas Farm Bureau

No app-store figures we could verify from a primary source.

So which one?

Pick Mercury if…

You are among california drivers, where mercury's pricing is most competitive.
Financial strength is a priority; Mercury holds A from AM Best.
Availability fits: 11 states, concentrated in California.

Read the full Mercury review →

Pick Texas Farm Bureau if…

You are among texas drivers willing to join farm bureau for a low-complaint insurer.
You want the lower complaint record — Texas Farm Bureau sits at Far fewer than expected.
Availability fits: 1 state — Texas only, and membership is required.

Read the full Texas Farm Bureau review →

Mercury vs Texas Farm Bureau, answered

The questions people ask before switching between these two.

Is Mercury or Texas Farm Bureau cheaper?

Which handles claims better, Mercury or Texas Farm Bureau?

Is Mercury better than Texas Farm Bureau overall?

Can I switch from Mercury to Texas Farm Bureau mid-policy?

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