Mercury Auto Insurance Review: Should you buy in 2024?
Mercury auto insurance offers standard coverages, including collision, comprehensive, and liability, as well as several add-on options and discounts that can help you save.
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Mercury Insurance Group
Average Monthly Rate For Good Drivers
$77A.M. Best Rating:
AComplaint Level:
LowPros
- Rideshare coverage options
- Discounts on coverage
- Additional insurance options for bundling policies
- Roadside assistance coverage
Cons
- A high number of customer complaints
- Not a lot of options to customize coverage
- High coverage rates when compared to other well-known companies
- Mercury offers rideshare insurance coverage and discount options for policyholders
- The company has roadside assistance coverage
- Mercury has a relatively high number of customer complaints
Mercury offers the type of coverage you’d expect with any car insurance company, and customers can save money by utilizing discounts. In addition, rideshare coverage and roadside assistance options could help customers specialize their policies to work for them.
Mercury rates are higher than rates with many well-known names in insurance, and customers say the company’s customer service needs improvement.
What You Should Know About Mercury Insurance Group
Mercury Casualty Company has an A (Excellent) financial strength rating with A.M. Best and a stable outlook for future endeavors. According to the National Association of Insurance Commissioners, its complaint ratio is .71 lower than the industry ratio of 1.0, so Mercury does not have as many complaints as other companies of its size.
Still, according to the 2020 J.D. Power U.S. Auto Claims Satisfaction Study, policyholders are not satisfied with Mercury’s customer service.
If you’re considering purchasing a policy with Mercury, you should read customer reviews beforehand. Doing so will help you understand what policyholders have to say about how claims are handled with Mercury.
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Mercury Insurance Group Insurance Coverage Options
Mercury Insurance Company offers the following options for car insurance coverage:
- Collision. This coverage pays for damages in the event of an accident.
- Comprehensive. This coverage pays for damages that result from non-accident-related incidents, such as theft or acts of god.
- Liability. This coverage offers legal protection if you’re found at fault in an accident.
- Rental car insurance. This will cover the costs of a rental car if you need one because your car is in the shop.
- Uninsured/underinsured motorist coverage. This will help pay for damages caused to your vehicle by someone who is uninsured or does not carry enough insurance coverage.
- Rideshare auto insurance. Rideshare insurance allows you to stay covered if you’re driving for your rideshare job, like Uber or Lyft.
- Medical payments. This coverage pays for medical debts associated with a car accident.
- Mechanical protection. This covers unexpected repairs you need to make to your vehicle.
- Roadside assistance. Roadside assistance covers towing, tire services, jump starts, and more.
Some insurance companies do not offer coverage for rideshare vehicles, but Mercury car insurance does. So if you drive for a company like Uber or Lyft, Mercury may work great for you.
Mercury Insurance Group Insurance Rates Breakdown
You will have to obtain a Mercury Insurance quote to know how much you will pay for auto insurance coverage with the company. Since everyone’s rates are determined based on several factors, you’ll never know what you’ll pay for a Mercury policy until you get a quote.
Still, the average rates for car insurance with Mercury are often higher than the national average and some well-known insurance providers, like GEICO auto insurance and USAA auto insurance.
Teen Driver Rates With Mercury
Teen drivers often pay the most of any demographic for car insurance. For example, rates on auto insurance for teenage drivers with Mercury are well over the national average, with females paying around 35% more and males paying 27% more.
Mercury rates are also more than double USAA’s rates for teen drivers.
Mercury Adult Driver Rates
When people turn 25, they often find their car insurance becomes less expensive. But young adults pay around 6% more for coverage with Mercury than the national average. Additionally, young adults may get a policy with USAA for nearly $1,000 less per year.
Adults pay 5% to 7% more for Mercury coverage than the national average.
And adults can pay half as much for a policy with USAA.
Mercury Rates for Senior Drivers
Mercury rates on auto insurance for older adults are higher than rates with many other companies.
Seniors can pay $600 less per year for coverage with GEICO.
Mercury Rates After a Speeding Ticket
People with speeding tickets on their records pay around $500 more than the national average for Mercury car insurance.
State Farm auto insurance for people with speeding tickets for nearly $1,000 less annually.
Mercury Rates After an Accident
Mercury car insurance rates after an accident are around 28% higher than the national average.
These rates are also around $1,200 more per year than similar coverage with State Farm.
Mercury Rates After a DUI
A DUI on your record will raise your insurance rates, but Mercury coverage is only around 2% higher than the national average for auto insurance after a DUI.
Still, State Farm offers coverage that is around $950 less per year.
Mercury Rates for Drivers With Poor Credit
Unfortunately, a low credit score can impact your car insurance rates. Still, coverage with Mercury is around 7% higher than the national average for auto insurance for drivers with bad credit.
Rates with Mercury are around $1,100 more yearly than those with GEICO.
Liability-Only vs. Full Coverage Rates With Mercury
A liability auto insurance policy with Mercury can cost up to 22% more than the national average. Paying for full coverage car insurance with Mercury could mean you pay 27% more than the national average.
Full coverage rates with Mercury are nearly double those with USAA. Liability rates with Mercury are around $700 more per year than rates with GEICO. (For more information, read our "Buy Cheap Mercury Auto Insurance").
Mercury Insurance Group Discounts Available
Mercury does offer several car insurance discounts on coverage, such as:
- Multi-vehicle
- Multi-policy
- Safety devices
- Auto-pay
- Good grades
- Safe driver discount
- Paid-in-full
- Mercury RealDrive
- Mercury Go
Discounts can help you save as much as 20% on coverage, so it’s a good idea to speak with a Mercury representative to see if you could save money.
What is Mercury RealDrive?
Individuals can save 5% on their policies by signing up for RealDrive, which tracks the number of miles they drive. If people drive less, they may also be entitled to cheaper rates for coverage with Mercury.
What is Mercury Go?
Mercury Go is the company’s usage-based insurance discount opportunity. Mercury Go tracks a person’s driving habits, like speed, braking, and time of day, and allows people to save money for safe driving techniques.
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Frequently Asked Questions
How can I cancel a Mercury car insurance policy?
To cancel a Mercury policy, you will need to call 1-800-503-3724 and speak with a representative.
What other types of insurance does Mercury offer?
Mercury offers the following insurance options in addition to auto insurance:
- Home
- Condo
- Renters
- Landlord
- Umbrella
- Mechanical protection
- Business owners
- Business car insurance
Where does Mercury offer coverage?
Mercury offers car insurance coverage in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.
How can I file a claim with Mercury?
To file a claim, you will need to call 1-800-503-3724 and speak with a representative who can help you.
How do I contact Mercury Insurance?
You can call 1-800-503-3724 or use a contact form found on the company’s website to send a message.
Does Mercury offer roadside assistance?
Policyholders can purchase roadside assistance with Mercury. The coverage includes towing, locksmith services, battery jump starts, and more.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
sr3xxx
Great experience, excellent customer service, great prices
boybokyo
Mercury was providing better coverage for lower cost.
buddha2018
Excellent
rebgelt
Love my insurance company
SheriD
Excellent Customer Service
Soli
Good
Johnclapy79
Was positive overall but I grew tired of their prices
kg81_2000
Rates are lower than others
buddha2018
excellent
Luluputu
Inexpensive, but great!