Mercury Auto Insurance Review (2023)

Founded in sunny Los Angeles in 1962, Mercury Insurance went into business to provide affordable auto insurance for the average California driver. Since 1962, Mercury has grown into a reputable company that offers insurance in 11 states.

Mercury Insurance isn’t the most prominent company out there, but because it offers rates that can compete with even the biggest insurers. With mechanical breakdown protection and rideshare coverage, Mercury has an insurance option for just about everyone.

Wondering if an affordable Mercury car insurance policy is right for you? Your best option to find rates that work for you is to compare as many companies as possible. If you’re ready to see what rates might look like for you, enter your ZIP code into our free tool today.

Mercury Car Insurance Overview

Mercury Insurance offers the same standard list of car insurance coverages that most companies offer. However, you’ll need to check if you can purchase insurance from Mercury first. Mercury operates in the following states:

• California
• Arizona
• Texas
• Virginia
• New Jersey
• Florida
• Illinois
• Georgia
• Nevada
• New York
• Oklahoma

If you live in one of those states, you have several options to consider if you want to buy from Mercury.

• Liability — Liability covers damage to property and injuries from an accident you caused. Most states (including all 11 Mercury works in) require a minimum amount of liability coverage to drive legally.
• Collision — Regardless of who is at fault, collision helps repair your car after an accident.
• Comprehensive — This covers damage to your vehicle from sources other than collisions, including weather, vandalism, theft, and animal contact. If you don’t own your car outright, you likely need comprehensive coverage.
• Uninsured/underinsured motorist — If another driver strikes you and has inadequate insurance, uninsured/underinsured motorist can make up the difference.
• Personal injury protection and medical payments — If you (or your passengers) are injured in an accident, this coverage can help pay your medical bills and make up for lost wages.

Aside from basic coverage, Mercury also offers several special types of insurance. These include commercial car insurance, rideshare, and a pay-per-mile policy. There are also several add-on options available.

What add-ons does Mercury Insurance offer?

You can purchase add-ons like rental car reimbursement, roadside assistance, and mechanical breakdown coverage.

Rental car reimbursement will cover the cost of a temporary replacement car while your vehicle is getting repairs in a mechanic’s shop, up to a maximum of 30 days. If you want to purchase this add-on, you’ll need a comprehensive or collision policy.

If you buy roadside assistance, it covers the cost of jump-starts, winching, locksmiths, fuel delivery, towing, and tire changes. You can make use of your add-on five times per period.

One of Mercury’s most attractive features is its mechanical protection. This helps cover the cost of repairs after your car’s warranty expires. It comes with roadside assistance and trip interruption coverage as added benefits.

Mercury Car Insurance Reviews

No matter how good the options are or how many add-ons you can buy, one of the most important things to look at before you buy is how actual customers review the company.

While not accredited, Mercury Insurance has an A- rating from the Better Business Bureau, and has an A from A.M. Best for its financial stability.

One major complaint is that it can be inconvenient to file a claim — there is no online or mobile app. If you need to file, you must call the Mercury car insurance phone number and speak with an agent.

Another common complaint about Mercury is that the company is slower to pay out claims than others. Mercury receives lower scores on customer service compared to the national average for insurance companies.

Other than that, people tend to enjoy their experience with Mercury. Customers appreciate that they can find affordable rates, even though there are fewer opportunities to customize a policy.

What do Mercury car insurance rates look like?

The Mercury car insurance company started with the goal of providing more affordable insurance than the bigger companies can. So, has it managed to live up to that lofty goal?

For the most part, Mercury does well with its prices, offering fair and competitive rates.

As you can see, Mercury does well with younger, inexperienced drivers. As the age of the driver increases, however, there’s less difference in prices.

As with most companies, Mercury offers a list of discounts to help save you as much money as possible.

Discounts for Mercury Insurance

Before you sign the paperwork for any policy, you should check with an agent to see if you’re eligible for discounts. Mercury doesn’t have as many discounts as some of the larger insurance companies, but the options that are available will probably save you money.

• Multi-car — If you have more than one vehicle on your policy, you’ll be eligible for this discount.
• Anti-theft device — You can save money if you have anti-theft devices in your car, such as GPS trackers, car recovery systems, or an audible alarm.
• Bundling — Mercury offers more than car insurance. You can also purchase umbrella, renters, business, and home insurance. Earn this discount by purchasing more than one policy.
• Paid in full — If you pay for your entire policy instead of making monthly payments, you’ll end up paying a little less.
• Auto-pay — Set up automatic payments with your bank information to save a little on your monthly rates.
• E-sign — Using your virtual signature saves Mercury from extra paperwork, which saves the company money. Mercury passes those savings on to you.
• Good student — While Mercury doesn’t list the details on its site, most good student discounts are for full-time students who maintain a B or better average in school.
• Educator — Mercury offers a discount for teachers and other educators.
• Good driver — Again, Mercury doesn’t list how long you need to be accident-free to qualify for this discount, but for many companies it’s three years.
• RealDrive — This is Mercury’s discount program based on how many miles you drive. The less you drive, the more you save.
• MercuryGo — Mercury has a driving app that monitors how you drive. After learning your habits, it will make suggestions and score you. Mercury customers can earn a discount of up to 40% for using the app.

One thing to keep in mind is that discount availability varies by state. A Mercury Insurance agent will help you get every discount possible.

Get the Best Mercury Car Insurance Quotes

The founders of Mercury Insurance wanted to create affordable insurance products for Californians. Since the 1960s, Mercury has grown and now offers coverage in 11 states. While the company doesn’t have as many options, Mercury offers affordable rates.

If you want to buy Mercury car insurance, you should shop around to make sure you get the best rates. Enter your ZIP code into our free tool to see what comparative quotes might look like for you.

Mercury Auto Insurance Review (2023) Additional Information

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