Is Mercury Insurance right for you? What to Know

Mercury Insurance started with the simple goal of providing cheap insurance to California drivers. Mercury now operates in 11 states. Generally, Mercury insurance quotes tend to be lower than other companies. Customers enjoy the affordability that Mercury car insurance provides. However, complaints revolve around payout times and coverage options.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jun 3, 2022

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A Concise Overview

  • Mercury Insurance offers liability, comprehensive, and collision insurance in 11 states
  • Rates tend to be cheaper than the competition with this California-based company, especially for younger drivers
  • Mercury receives complaints about payout time length and limited options for coverage, but customers love the affordable prices

The Mercury Insurance group opened its doors in 1962 in sunny Los Angeles. It had a simple goal: Provide affordable insurance for California drivers. Since then, Mercury has grown into a trusted source of insurance in 11 states.

While it’s not the biggest company on the market, Mercury insurance quotes are so affordable that they can compete with even the most prominent insurance companies. Of special note for Mercury auto insurance is its mechanical breakdown protection. Mercury also offers rideshare insurance.

Wondering if these affordable Mercury insurance rates are right for you? You should always compare quotes with other companies before you choose your insurance. If you’re ready to see what rates might look like for you, enter your ZIP code into our free tool today.

Mercury Auto Insurance Overview

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

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

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

  • Liability. The 11 states Mercury works in require minimum liability coverage to pay for damage you cause to people and property. This is the part of your insurance that covers the damage you cause.
  • Collision. Collision will pay to get your car repaired after an accident, no matter who was at fault for it.
  • Comprehensive. For damage caused outside of an accident, comprehensive coverage steps in. Damage covered by this type of insurance includes vandalism, animal contact, theft, and weather. If you have a loan on your car, you probably need comprehensive and collision.
  • Uninsured/underinsured motorist. Even though liability insurance is required by state law, not every driver has good insurance (or any coverage at all). This protects you against drivers with inadequate insurance.
  • 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.

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What add-ons does Mercury Insurance offer?

For a small company, Mercury offers a lot of add-ons. Add-ons available for purchase include roadside assistance, mechanical breakdown coverage, and rental car reimbursement.

If you buy roadside assistance, it covers the cost of winching, fuel delivery, towing, locksmith services, and tire changes. You can use your roadside assistance five times per policy period.

One of Mercury’s most attractive features is its mechanical protection. Mechanical protection helps cover the cost of repairs to your car after your warranty expires. If you buy this add-on, it comes with roadside assistance and trip coverage. If your car needs to go to a mechanic’s shop after an accident, Mercury will reimburse you for the price of a rental car while you wait. The maximum number of days you can be refunded for is 30. You need either a comprehensive or collision policy to be eligible for this add-on.

What do Mercury auto insurance rates look like?

Mercury started with the goal of providing more affordable insurance policies to California drivers than they could find at bigger companies. How has it lived up to that goal?

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

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Mercury does well with its car insurance for teens. As the age of the driver increases, however, there’s a more negligible difference in prices.

However, you probably don’t have to pay full price. Like most car insurance companies, Mercury offers several discounts to save you money.

Discounts for Mercury Insurance

Before buying a policy, you should always check with an agent to see if they can find discounts you’re eligible for. While Mercury doesn’t have as extensive a list of discounts as some companies, it still offers options to help you save, including some that are unique to Mercury Insurance. These options include:

  • 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 average or better.
  • Bundling. Earn this discount by purchasing more than one insurance policy, including auto, home, and renters.
  • Auto-pay. Set up automatic payments with your bank information to save a little each month.
  • 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 scores 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.

What do Mercury Insurance reviews say?

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

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 insurance phone number and speak with an agent. Additionally, after it’s filed, the Mercury insurance claims process is reportedly on the slower side.

Another common complaint about Mercury is that they are slower to fulfill payout claims than other companies. Customers also state that they’re not always happy with Mercury insurance customer service experiences. Mercury receives lower scores on customer service than 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.

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

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Get the Best Mercury Auto Insurance Quotes

The founders of Mercury Insurance wanted to create affordable insurance products for Californians. Since the 60s, Mercury has grown and now offers coverage in 11 states. While they don’t have as many options as some of the larger companies out there, Mercury does offer affordable rates.

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

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