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.

UPDATED: Aug 26, 2024Fact Checked

Dorothea Hudson

Insurance and Finance Writer

Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...

Insurance and Finance Writer

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

Advertiser Disclosure

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

Advertiser Disclosure

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.

UPDATED: Aug 26, 2024Fact Checked
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Mercury Insurance Group

Average Monthly Rate For Good Drivers

$77

A.M. Best Rating:

A

Complaint Level:

Low

Pros

  • 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
[su_box title="A Concise Overview" style="default”]
  • 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
[/su_box] If you’re searching for the best car insurance company in your area, you may want to consider Mercury Insurance. Mercury auto insurance offers standard coverages and add-on options, as well as opportunities for discounts to save money on premiums. Unfortunately, Mercury is only available in 11 states, and the company has its fair share of customer complaints. Still, you may find that rates with Mercury are competitive in your area, and the coverage could work well for your needs

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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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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Dorothea Hudson

Insurance and Finance Writer

Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...

Insurance and Finance Writer

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.

Reviews
for Mercury Insurance Group

3.73 (667 reviews)
5
December 20, 2018

sr3xxx

Great experience, excellent customer service, great prices

I have actually had a great experience with Mercury. They follow up with any questions/concerns in a timely manner. My monthly payments come out automatically every month. They also automatically apply promotions or discounts that I might be eligible for, so I never need to worry about following up with that. Would definitely recommend, especially since Mercury continues to be the lowest price for the coverage that I need.
4
December 20, 2018

boybokyo

Mercury was providing better coverage for lower cost.

for 3 cars and adding uninsured motorist i saved $200.00. My previous insurance company made price increases without notification until time of renewal.
3
December 20, 2018

buddha2018

Excellent

mercury is good insurance. they have good customer service. They are always available. They are very efficient.
5
December 17, 2018

rebgelt

Love my insurance company

Its very helpful and friendly plus great pricing and they dont up-sell you things you dont want/need
4
December 13, 2018

SheriD

Excellent Customer Service

This company treated us very well. They even sent a rep to help me in a court case and we won the case.
3
December 9, 2018

Soli

Good

This insurance company fits my budget and I am happy with this insurance. I have this for over a year now.
4
December 9, 2018

Johnclapy79

Was positive overall but I grew tired of their prices

Positive overall but one negative. Was positive overall but I grew tired of their stagnant prices that the company showed no intention of changing.
4
December 7, 2018

kg81_2000

Rates are lower than others

Rate are good, service is good . Should give more discounts with security alarm systems .
3
December 7, 2018

buddha2018

excellent

Mercury insurance is kind of good. Their customer service is great. Don't take that long to process anything.
5
November 20, 2018

Luluputu

Inexpensive, but great!

I am very happy with Mercury. The service is good and the premiums can't be beat -- other insurance companies have tried, but failed!
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