Mercury Insurance Reviews
Mercury Insurance Reviews
Mercury Car Insurance Review
Based on Mercury Insurance reviews, coverage options and costs, our team gives the company a score of 7.9 out of 10. The company is not widely available or affordable for most drivers. However, it provides generally positive customer experiences and good coverage selection, which makes Mercury worth considering if you’re in its service area.
Mercury Insurance Pros and Cons
Good selection of discounts
Affordable rates in California
Unique add-on coverage options
Only available in 11 states
Customers report issues with the claims process
Mercury Insurance Rating
Below you can look at our ratings for Mercury insurance across the five core categories we used to rate insurers nationally:
| Rating Category | Score (Out of 10) |
|---|---|
| Industry Reputation | 7.1 |
| Availability | 7.5 |
| Coverage | 8.4 |
| Cost and Discounts | 7.8 |
| Customer Experience | 8.4 |
| Overall Rating | 7.9 |
How Much Is Mercury Car Insurance?
Mercury’s average car insurance costs for both minimum and full coverage is around $2,023 per year or around 14% more expensive than the national average. Below, we’ve broken down the average costs based on different coverages and driver profiles so you can compare:
| Cost Category | Average Annual Cost | Savings Compare To The National Average |
|---|---|---|
| Minimum Coverage | $1,044 | $0 (+$175) |
| Full Coverage | $3,002 | $0 (+$321) |
| Young Drivers | $5,375 | $0 (+$1,682) |
| Seniors | $2,012 | $0 (+$330) |
| Bad Credit | $3,074 | $387 |
| DUI | $2,859 | $514 |
| Accident | $3,006 | $0 (+$249) |
| Speeding Ticket | $2,757 | $0 (+$271) |
Mercury Car Insurance Discounts
The company offers a wide range of discount opportunities to help make your Mercury auto insurance coverage more affordable. Here are some of the car insurance discounts that can help you save money:
- Mercury RealDrive®: Mercury offers a 5% discount to policyholders who sign up for this program, which tracks how many miles you drive. Depending on your mileage, you may be eligible for further discounts.
- Multi-policy discount: You can qualify for a bundling discount by combining your home insurance with your car insurance at Mercury.
- Multi-car discount: If you insure more than one vehicle with Mercury, you’ll be eligible for a discount on your car insurance policy.
- Anti-theft feature discount: You can get a discount on your policy by installing an alarm or other anti-theft device on your vehicle.
- Good driver discount: Mercury offers a discount to policyholders who go for a specified amount of time without getting a ticket or getting into an accident.
- Good student discount: Students who maintain good grades in school (and their families) can get a policy discount from Mercury.
- Autopay discount: You can receive a discount for setting up automatic payments with your bank account or credit card to pay for your premiums.
- E-signature discount: If you use an e-signature to sign insurance documents, you’ll get a discount from Mercury.
Mercury Car Insurance Coverage
Mercury offers all six standard car insurance options that can be modified to fit your needs. In addition to this, the company offers the following add-ons:
| Add-on Coverage Option | What It Covers |
|---|---|
| Emergency roadside assistance | You’ll be covered for roadside services like towing, lockouts, tire repair, tire replacement and battery charging. |
| Rental car insurance | You’ll get a reimbursement of $30–$100 per day for a rental car if your vehicle is inoperable or inaccessible after an accident, depending on the amount you choose. |
| Rideshare insurance | This covers people who drive for rideshare services such as Lyft or Uber. |
| Mercury mechanical protection | This covers unexpected repairs, similar to how an extended auto warranty works. You can protect yourself from the cost of fixing major mechanical issues like transmission failure for 7 years/100,000 miles. |
Where Is Mercury Car Insurance Coverage Available?
Mercury car insurance is available in these 11 states:
- Arizona
- California
- Florida
- Georgia
- Illinois
- Nevada
- New Jersey
- New York
- Oklahoma
- Texas
- Virginia
Mercury Car Insurance Customer Reviews and Reputation
Mercury Insurance reviews tend to be mixed overall. While many customer reviews praise the company’s customer service and low rates, others complain of issues with insurance claims processing. Positive Mercury Insurance reviews typically mention responsive, knowledgeable customer support representatives, while negative feedback often reports difficulty contacting anyone at the company.
Our team reached out to Mercury Insurance for a comment on these reviews, and a spokesperson for the company refused to comment.
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