Mercury Car Insurance Review 2022

Mercury Insurance sells car coverage in 11 states and has a reputation for low rates. Although this California-based company struggles with claims handling, many customers love the affordability of Mercury car insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Aug 31, 2022

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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 31, 2022

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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.

Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Aug 31, 2022Fact Checked
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Mercury

Average annual rate for good drivers:

$1,917

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Offers rideshare insurance and mechanical breakdown coverage
  • Low rates for young drivers
  • Other types of insurance are available, which allows customers to earn a bundling discount

Cons

  • Fewer policy customization options
  • Only available in 11 states
  • Online options for filing claims are limited

The Bottom Line

Find the Best Car Insurance Today

Mercury might have started with the goal of providing Californians with affordable insurance, but it’s since expanded into more states. Yet, despite its growth, it managed to maintain its affordability.

If Mercury sounds appealing to you, getting auto insurance quotes online is a simple process that only takes a few minutes. Enter your ZIP code below to always compare prices with other insurers to ensure you get the best plan possible.

When the Mercury Insurance Group sold its first policy in 1962, it focused on providing affordable car insurance to California drivers. Since then, Mercury has expanded into 10 more states: Arizona, Georgia, Florida, Nevada, Illinois, Virginia, Texas, Oklahoma, New Jersey, and New York.

Although Mercury isn’t the biggest insurance company, it offers such affordable prices that it can easily compete with even the most prominent insurers. Combined with a long list of coverage options and a solid usage-based insurance option, it’s no wonder Mercury has so many happy customers.

While buying auto insurance from a smaller company might not initially appeal to you, Mercury offers some serious perks. Read on to learn what the Mercury Insurance company can do for you, then compare rates with local insurance companies to find the best plan.

Is Mercury Insurance Group a Good Choice?

Is Mercury insurance good?

One of the best ways to figure out if Mercury is the right car insurance company for you is to look at financial and customer reviews. An excellent place to start is with third-party company reviews.

A.M. Best rates companies on their financial security. Mercury Insurance’s A.M. Best rating is an A, which means it has the strength to pay out any claims you might have to make.

The National Association of Insurance Commissioners (NAIC) rates insurance companies by the number of customer complaints compared to their size. The national average ratio is 1.0. Mercury has a 0.71, which means it receives fewer complaints than other insurance companies.

J.D. Power is a trusted name in consumer satisfaction reports. In 2021, J.D. Power ranked Mercury as the number one company for digital insurance shopping satisfaction. However, Mercury ranks near the middle for overall satisfaction, meaning it has an average number of happy customers.

Finally, the Better Business Bureau (BBB) rates companies on their ability to resolve customer claims. While it hasn’t been officially rated yet, hundreds of Mercury insurance reviews are on the BBB site.

How do real customers feel about their Mercury auto insurance? Customer reviews tend to be mixed. When things go well, and customers don’t have to make a claim, they praise Mercury for its professional representatives and low rates. Unfortunately, many customers are unsatisfied with the claims process, saying that Mercury does everything in its power to deny payments.

Mercury Insurance Group Rates

How much does Mercury insurance cost?

In general, Mercury insurance quotes are below the national average. While all drivers could potentially save money with Mercury, teens and older adults see some of the lowest rates. Additionally, Mercury is an excellent option for high-risk drivers.

Mercury will combine factors like your age, gender, location, driving history, and credit score to make a unique quote for you.

How much is minimum coverage with Mercury?

If you’re on a tight budget, minimum coverage is the least amount of insurance you can buy and still be street-legal. It doesn’t cover your car, but it’s the cheapest insurance option. Here is a look at some of the top national insurance company costs for minimum coverage, so you can get an idea of how much this type of coverage costs.

Average Annual Minimum Coverage Rates for the Top Auto Insurance Companies
Insurance CompanyAverage Minimum Coverage Rates
Allstate$605
American Family$582
Farmers$674
GEICO$290
Liberty Mutual$771
Nationwide$588
Progressive$484
State Farm$408
Travelers$471
Average$541

Although Mercury does well in different categories, you might see higher rates than the national average when you look at minimum coverage. However, minimum coverage laws vary by state, meaning Mercury insurance in Arizona might be much different than the average auto quotes in California.

How much is full coverage with Mercury?

Full coverage refers to a package consisting of liability, comprehensive, collision, and uninsured motorist. It also usually includes medical payments, though not all the time.

If you have a loan or lease on your car, your lender will probably require you to carry full coverage. See below for the average full coverage policy costs from major national insurance companies.

Average Annual Full Coverage Rates for the Top Auto Insurance Companies
Insurance CompanyAverage Full Coverage Rates
Allstate$1,993
American Family$1,386
Farmers$1,674
GEICO$984
Liberty Mutual$2,120
Nationwide$1,445
Progressive$1,310
State Farm$1,091
Travelers$1,287
Average$1,477

If you need full coverage insurance, comparing rates with other companies is vital in finding a reasonable price.

How much is Mercury for teen drivers?

Age is a critical factor when determining your auto insurance rates. Insurance companies keep careful track of claims numbers, and the data shows that teen drivers are more likely to engage in reckless behavior and cause accidents.

Because of this, rates for teen drivers are some of the highest in any demographic. However, Mercury offers competitive rates for young drivers. Take a look at the national averages so you can compare them with the rate you receive from Mercury.

Although a few companies are generally cheaper, Mercury might be the best choice for finding cheap teen car insurance.

How much is Mercury for young adult drivers?

While teen insurance can be costly, rates start to drop when you reach your twenties. Although it takes until about 25, you’ll see much lower rates if you keep your driving record clean.

While Mercury still has competitive rates for young drivers, it matches other companies more closely than it did for teens.

Rates for young drivers are lower than what teens see, but they’re still relatively high. There are ways to lower your rates, especially by taking advantage of discounts. If you’re under 25 and in college, you might qualify for one of Mercury’s student discounts.

How much is Mercury for adult drivers?

Your insurance quotes will reach their lowest during your adult years, with drivers in their fifties most likely to have the cheapest rates. Other factors play an important role in your rates, but statistics show that 50 and 60-year-olds pay the least for insurance.

Although Mercury has low rates for teens, its adult rates tend to be closer to the national average. Make sure to ask about discounts when you get your quote to lower your rates as much as possible.

How much is Mercury for older adults?

Senior adults typically see their rates increase as they approach 70 and 80. There are several reasons for the increase, but it mostly comes down to statistics — older adults get in more accidents.

You might find affordable rates with Mercury as an older adult, as long as you have a clean driving record. Let's look at the national averages for senior drivers.

Unfortunately, car insurance rates for older adults can get expensive no matter where you shop. However, Mercury might offer you the most affordable plans.

How much is Mercury insurance after an accident?

It’s an unfortunate part of life — accidents happen. Unfortunately, your insurance rates will increase after an at-fault accident. While some companies impose a dramatic spike in prices after an accident, you can never tell how much it will be. Here is a look at average rates after you have been involved in one or multiple accidents.

Average Annual Full Coverage Auto Insurance Rates for Drivers with an Accident
Insurance CompanyRates with an AccidentRates with a Clean Record
Allstate$2,848$1,993
American Family$2,000$1,386
Farmers$2,383$1,674
GEICO$1,595$984
Liberty Mutual$2,840$2,120
Nationwide$1,983$1,445
Progressive$2,284$1,310
State Farm$1,285$1,091
Travelers$1,888$1,287
Average$2,123$1,477

The average Mercury policy increases by about 26%, which is a slightly smaller increase compared to the national average.

However, you won’t be stuck with higher rates forever. While every company varies, it usually takes about three years of accident-free driving for an incident to stop affecting your insurance rates.

How much is Mercury insurance after a speeding ticket?

Like accidents, getting a speeding ticket will increase your rates. According to the National Highway Traffic Safety Administration (NHTSA), speeding was a factor in 29% of all traffic fatalities. With this in mind, it’s easy to understand why insurance companies are wary after you receive a speeding ticket.

Average Annual Full Coverage Auto Insurance Rates for Drivers with a Traffic Ticket
Insurance CompanyRates with a TicketRates with a Clean Record
Allstate$2,342$1,993
American Family$1,571$1,386
Farmers$2,108$1,674
GEICO$1,282$984
Liberty Mutual$2,600$2,120
Nationwide$1,737$1,445
Progressive$1,710$1,310
State Farm$1,227$1,091
Travelers$1,780$1,287
Average$1,818$1,477
Get Your Rates Quote Now

Mercury rates are comparable to other companies after a speeding ticket, but you might see much higher or lower rates depending on the state you live in. For example, Mercury insurance in Oklahoma after a speeding ticket is much higher than the average rates in California.

How much is Mercury insurance after a DUI?

DUIs affect your car insurance rates more than almost any other traffic violation. If you have more than one DUI or other traffic violations on your record, you might need to look for high-risk insurance.

Mercury can help with affordable rates after a DUI. Getting familiar with the national company rates after a DUI will give you a good idea of how much to expect to pay if you decide to go with Mercury.

Average Annual Full Coverage Auto Insurance Rates for Drivers with a DUI
Insurance CompanyRates with a DUIRates with a Clean Record
Allstate$3,638$1,993
American Family$2,124$1,386
Farmers$2,296$1,674
GEICO$2,566$984
Liberty Mutual$3,900$2,120
Nationwide$3,028$1,445
Progressive$1,760$1,310
State Farm$1,490$1,091
Travelers$2,765$1,287
Average$2,619$1,477
Get Your Rates Quote Now

Unfortunately, you’ll see much higher rates for insurance after a DUI, no matter where you shop. However, comparing quotes with multiple companies can help you save money. Since Mercury is comparable to — and sometimes lower than — other providers, it’s an excellent place to start.

How much is Mercury insurance if you have poor credit?

Statistically, insurance companies know that people with lower credit scores are more likely to file a claim. You can lower your rates by increasing your score.

Average Annual Auto Insurance Rates by Credit Rating
Insurance CompanyRates with Poor CreditRates with Fair CreditRates with Good Credit
American Family$2,432$1,635$1,386
Farmers$3,233$1,926$1,674
GEICO$1,781$1,197$984
Liberty Mutual$4,256$2,712$2,120
Nationwide$1,988$1,595$1,445
Progressive$2,471$1,655$1,310
State Farm$2,398$1,411$1,091
Travelers$2,323$1,534$1,287
Allstate$3,551$2,362$1,993
Average$2,715$1,781$1,477

While Mercury doesn’t do as well as companies like GEICO or Nationwide, its rates are still competitive enough that it’s worth requesting quotes.

Before focusing too much on credit scores, you should know that checking them in every state is not legal. For example, Mercury can’t check your credit score if you live in California.

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Mercury Insurance Group Discounts Available

Does Mercury offer car insurance discounts?

Smaller companies often struggle to compete with larger providers when it comes to discounts. While Mercury doesn’t have quite as many as some of its competitors, it still has a good selection:

  • Digitally signing policy documents
  • Multi-car
  • Policy bundling
  • Anti-theft devices
  • Signing up for auto-pay
  • Paid-in-full
  • Good driver
  • Good student

Another way to save on your auto insurance with Mercury is by signing up for the RealDrive program. This program tracks how many miles you drive and lowers your rates accordingly. Not every driver will benefit from RealDrive, but it could interest people with short commutes or remote workers.

However, RealDrive and other discounts aren’t available in every state, so check with an insurance representative before you sign up for a policy.

MercuryGO

Telematics technology allows insurance companies to monitor your driving behavior and adjust your rates based on your habits. Usage-based insurance is a great way to save money, as long as you’re a safe driver and comfortable being monitored.

Mercury’s usage-based plan is MercuryGO. You automatically earn 5% off your rates for signing up, no matter your driving behaviors, but further discounts are available based on how well you drive.

MercuryGO monitors the following driving behaviors:

  • Speeding
  • Phone use while driving
  • Hard braking
  • Fast accelerations
  • Sharp turns

After three months of tracking, you’ll receive new rates. Every driver’s discount varies, but you can save up to 40% on your total bill.

Mercury Insurance Group Coverage Options

What types of car insurance does Mercury sell?

Each of the 11 states Mercury operates in has car insurance requirements before you can legally drive. When you get Mercury auto insurance quotes, it will at least include the minimum coverage you need.

You’ll probably need full coverage insurance if you have a loan or lease on your car, which Mercury can also provide. Mercury’s car insurance availability includes:

  • Liability. Consisting of bodily injury and property damage coverage, liability insurance pays for damage you cause in an accident. It does not cover repairs to your car.
  • Collision. You need collision insurance if you want your car covered in an accident. Mercury offers the actual cash value of your vehicle if it’s totaled.
  • Comprehensive. Comprehensive insurance will help repair your car after a covered event, such as fire, weather, vandalism, or theft.
  • Uninsured/underinsured motorist. If someone without insurance hits you, uninsured motorist insurance steps in to pay for car repairs, medical bills, and lost wages. Underinsured motorist coverage fills the gap if an at-fault party does not carry sufficient policy limits to cover all of your damages.
  • Medical payments. Health care bills after an accident can get costly. Medical payments coverage (MedPay) will help cover health care costs for you and your passengers, no matter who is at fault.
  • Rental car. Mercury will cover a temporary ride when your vehicle is in the shop after an accident. Coverage is available for up to 30 days at $30-$100 per day.
  • Rideshare. If you drive for a company like Uber or Lyft, Mercury can cover you while you work for as little as $27 a month.
  • Mechanical protection. Buy this optional insurance to cover major mechanical breakdowns. Keep in mind that mechanical breakdown does not cover normal wear and tear.

Rental car, rideshare, and mechanical protection availability vary by state, so make sure to ask. A Mercury auto insurance representative can also help you decide which types of coverage you need.

Does Mercury offer other types of insurance?

In order to get a bundling discount, you need to buy more than one Mercury insurance policy. Luckily, Mercury has plenty of options:

  • Homeowners/condo/renters
  • Landlord
  • Umbrella
  • Business owners
  • Commercial auto
  • Mechanical protection

It might not be the most extensive list of insurance options, but Mercury can cover most of the important things in your life.

Frequently Asked Questions

What states does Mercury offer insurance in?

Mercury sells insurance in 11 states – Arizona, California, Georgia, Florida, Nevada, Illinois, Virginia, Texas, Oklahoma, New Jersey, and New York.

Why is Mercury insurance so cheap?

Mercury maintains low rates due to a commitment to affordable coverage and plenty of discounts for drivers.

How do you file a claim with Mercury?

You can call and speak with a representative to file Mercury auto claims. You can also fill out the online claims form.

Does Mercury insurance have an app?

It might not be as impressive as other companies, but Mercury does have an app. You can use the app to access your insurance cards, pay your bills, and start a roadside assistance claim.

How do you contact Mercury?

There are three simple ways to contact a Mercury insurance representative. First, you can call the 24/7 helpline for questions, claims, and anything else you might need. You can also fill out a contact form online and wait for a representative to contact you.

Finally, you can use the app to contact a representative, though use is limited to roadside assistance inquiries.

Does Mercury insurance have roadside assistance?

Mercury offers a roadside assistance add-on for newer cars for about $10 a month. Mercury roadside assistance includes towing, battery jumps, flat tire changes, fuel delivery, and locksmith services.

Does Mercury insurance cover rental cars?

While Mercury doesn’t cover the cost of a rental car for vacation or business trips, your personal policy applies to a rental vehicle. That means if you have liability, comprehensive, and collision on your car, your rental will be covered by the same.

If you purchase the rental car add-on, Mercury will cover the price of a temporary vehicle for you based on your policy limits.

How do you cancel a Mercury insurance policy?

Unfortunately, you can’t cancel your Mercury policy online. Instead, you’ll have to speak to a representative, and you might have to pay a cancellation fee of up to 10% of your remaining premium.

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.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

Reviews
for Mercury Insurance Group

3.73 (666 reviews)
1
November 27, 2021

steeeeve

Worst Insurance Co.

This company does not pay claims. Worst insurance company ever! Horrible customer service and claims department is a joke. I do not even understand how they are allowed to operate in the USA. I made a claim and they dismissed it before even seeing the details of the accident. Dismissing claims and not paying claims is Mercury's protocol. Paying them premiums is a waste of money because they automatically dismiss most claims and do not pay. ...
This company does not pay claims. Worst insurance company ever! Horrible customer service and claims department is a joke. I do not even understand how they are allowed to operate in the USA. I made a claim and they dismissed it before even seeing the details of the accident. Dismissing claims and not paying claims is Mercury's protocol. Paying them premiums is a waste of money because they automatically dismiss most claims and do not pay.
3
January 11, 2021

Shaya

My Review

Overall it is a good insurance company however, i do wish they would offer benefits due to the pandemic.
3
December 31, 2020

JuneT

Mercury Insurance High Premiums

I pay the premium and have made no claims. I think the rates are too high but feel comparing insurance won't yeild a different result.
4
November 20, 2020

shorty22

great service

This company is always thorough and on top of everything when it comes to actually needing them. They are very detailed in their bills. They don't hide fees. They explain everything and are by your side thru any claims.
5
October 17, 2020

Evan507

Great customer service.

Mercury has great customer service and comparable rates. They handled my claim quickly and didn't raise my rates for a small accident. Their service was quicker than expected and the representatives are all friendly and courteous. The website and app are very useful and easy to use. I highly recommend them.
3
October 8, 2020

lordaz

Mercury Review

Mercury has been great at walking me through the process of reporting an accident but they should be more diligent about continuously contacting the other insurance company to get their information.
5
October 8, 2020

danimurillo

Great service

Our vehicle was hit/damaged in the middle of the night. Called Mercury and opened a claim quickly. It was quick and easy!
4
October 5, 2020

asanchez7876

No Problems so Far.

I haven't had any good or bad experiences with them as I have not had to file any claims. So far their prices have been pretty comparable or a little cheaper than other companies.
3
October 2, 2020

chiver

Good service but high price

This is a good company that process claims without any issue. However, they increase my insurance every year and I find much cheaper insurances from other company.
1
September 8, 2020

alberto17

time

I am not satisfied with the service, it is very difficult to pay for the high costs and it is impossible to communicate with them, they do not attend to the claims on time
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