Mercury Auto Insurance Review for 2025 (See Rates & Discounts Here!)

Our Mercury auto insurance review found its top benefits are its extensive add-on coverage options, like mechanical breakdown insurance, and its strong financial stability with an A rating from A.M. Best.

While Mercury offers solid coverage, it’s often one of the more expensive auto insurance options, especially for drivers with poor records.

Rating Criteria
Overall Score	4.0
Business Reviews	4.0
Claim Processing	3.3
Company Reputation	4.0
Coverage Availability	3.1
Coverage Value	4.1
Customer Satisfaction	1.9
Digital Experience	4.0
Discounts Available	5.0
Insurance Cost	4.3
Plan Personalization	4.0
Policy Options	5.0
Savings Potential	4.6

With higher rates compared to competitors and limited availability in only 11 states, Mercury is best suited for drivers seeking comprehensive coverage and those who value specialized add-ons.

If cost is a priority, it’s essential to compare multiple quotes before deciding if Mercury is the right fit for you.

Mercury Auto Insurance Rates

Car insurance coverage isn’t one-size-fits-all. Your coverage level, age, and gender all play a role in the final price.

If you’re looking for coverage that helps if your vehicle is damaged, consider full coverage car insurance. While full coverage auto insurance costs more than minimum coverage, you’ll be better protected.

Driving record is another factor that will affect what you pay for full or minimum coverage at Mercury Insurance.

Like other companies, Mercury Insurance views drivers who drive under the influence as the riskiest drivers to insure, so a DUI offense is the costliest offense on a driving record.

Mercury Auto Insurance Rates vs. the Competition

Here’s a snapshot of how Mercury’s minimum and full coverage auto insurance compares to other companies. You can see what insurance is cheaper than Mercury Insurance.

Company	Minimum Coverage	Full Coverage
	$250	$390
	$255	$395
	$220	$350
	$270	$420
	$260	$400
	$245	$375
	$230	$360
	$240	$380
	$240	$370
	$210	$340

Mercury is one of the most expensive companies when compared to its competitors. The only company more expensive on average than Mercury Insurance is Liberty Mutual. However, the only way to know exactly what you’ll pay at Mercury is to get a Mercury insurance quote and then compare online car insurance quotes to save money by seeing who offers the best deal.

Who has the cheapest car insurance? If you are looking for a cheap option, the cheapest on our list is USAA. However, you need to have a military affiliation to purchase coverage with the company. Geico also offers an affordable option, costing much less than Mercury Insurance.

Mercury is also a more expensive choice for drivers with poor driving records.

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$200	$250	$300	$450
	$190	$240	$290	$430
	$180	$230	$280	$400
	$210	$260	$310	$460
	$200	$250	$300	$450
	$195	$245	$295	$440
	$190	$240	$290	$430
	$185	$235	$285	$420
	$195	$245	$295	$440
	$175	$225	$275	$400

If you are looking for the cheapest insurance company on the market, Mercury Insurance may not be the right fit for you.

Auto Insurance Coverage Available at Mercury

If you’re considering buying Mercury auto insurance, you’ll have plenty of options to choose from (Read More: How do I know if I chose the right coverages?). Make sure to consider your comfort level with potential out-of-pocket expenses in the event of an accident when choosing coverages.

Mercury offers liability insurance, covering bodily injury and property damage, comprehensive insurance — which tackles repairs after events like fire, weather, and vandalism — and collision coverage, which helps if you cause an accident and your vehicle is damaged.

There’s also Medical Payments Coverage (MedPay), taking care of healthcare costs for you and your passengers, regardless of fault.

There’s also Medical Payments Coverage (MedPay), taking care of healthcare costs for you and your passengers, regardless of fault.

If your car is in the shop, Mercury Insurance provides rental car reimbursement for up to 30 days (Learn More: Does Mercury Insurance offer enhanced rental car coverage?).  Add-on coverage availability varies by state, so inquire about rental cars, rideshare, and mechanical protection with Mercury in your area.

Mercury Auto Insurance Discounts

Mercury Insurance might not be the cheapest provider in town for full coverage, but they do pack a hidden treasure chest of discounts to help you trim that price tag. The best Mercury auto insurance discounts are a great way to save on your monthly rates.

Discount
Good Driver	20%
Bundling	15%
Good Student	15%
Paid-in-Full	12%
Defensive Driving	10%
Low Mileage	10%
Affinity Group Membership	10%
Vehicle Safety Features	7%
Anti-Theft Device	5%
Early Renewal	5%

If you sign your paperwork digitally, you can get a discount. You can also get a discount for multi-vehicle policies, bundling your home and auto insurance, and much more. If you are interested in bundling home and auto, make sure to read Mercury home insurance reviews on BBB or Mercury home insurance reviews on Reddit to make sure Mercury’s home insurance is the right fit.

Mercury’s RealDrive program could also help you save money. This program tracks your mileage, adjusting your rates based on how much you hit the road. And then there’s MercuryGO – their telematics marvel, which monitors your habits behind the wheel – speeding, phone fiddling, and brake slams – and rewards safe driving with discounts.

Customer Reviews of Mercury Insurance

Customer reviews of Mercury Insurance Services are mixed, as with any company. Customers are mostly happy with the claims handling process, with negative feedback online focusing on rate increases, like in the Reddit post below.

Business Ratings of Mercury

To truly gauge whether Mercury auto insurance aligns with your needs, diving into a Mercury insurance financial review and customer survey is key.

Agency
	Score: 663 / 1,000 Avg. Satisfaction
	Score: A Excellent Business Practices
	Score: 70/100 Positive Claims Handling​
	Score: 0.84 Fewer Complaints Than Avg.
	Score: A Excellent Financial Strength

A.M. Best gives Mercury an A rating, meaning they’ve got the financial strength to handle whatever bumps the road throws your way.

The National Association of Insurance Commissioners gives Mercury a 0.84 rating on the customer satisfaction meter, which means the company receives fewer complaints than the average insurance provider.

Mercury insurance reviews on BBB also offer some insight. Happy customers rave about friendly agents and sweet deals. But some folks paint a different picture with Mercury Insurance complaints, taking issue with claims progress and customer service (Read More: How can I track the progress of my car insurance claim with Mercury Insurance?).

Pros and Cons of Mercury Insurance

Mercury General Corporation will not be the right choice for every driver, but there are some great pros for those who do pick Mercury as their insurance company.

• Comprehensive Add-On Options: The types of car insurance Mercury Insurance offers include extras like mechanical breakdown insurance to its customers.
• Financial Stability: An A A.M. Best rating ensures that Mercury Insurance can capably handle financial issues.
• Good Driver Discount: Customers can save as much as 20% on their policy if they qualify for Mercury’s good driver discount.

Mercury is a good choice for those looking for a company that has less common coverage like breakdown coverage. However, some negatives to be aware of are:

• Higher Premiums: Mercury is one of the more expensive companies when we compare rates to its competitors.
• Limited Availability: Mercury Insurance is only available in 11 states (Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia).

Cost-wise, Mercury Insurance is a bit pricier than other companies and may not be available to purchase in your state.

Choosing Mercury Auto Insurance as Your Provider

This Mercury auto insurance review found that Mercury offers excellent add-on options, such as mechanical breakdown insurance (Read More: Does Mercury Insurance car insurance cover damage caused by a transmission failure?). Mercury also stands out for its A rating from A.M. Best, ensuring strong financial stability.

However, Mercury Insurance tends to have higher premiums compared to competitors, and its limited availability in just 11 states may not make it the best option for everyone.

Before committing, it’s important to compare multiple car insurance providers online to find the most affordable and suitable policy for your needs. Explore your options, compare rates, and find the insurance that’s perfect for you with our free quote tool.