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

Read our Mercury auto insurance review, which provides affordable and comprehensive auto insurance coverage in 11 states, emphasizing customer-focused claims support and adaptable policy options.

Their offerings include essential liability, collision, and comprehensive coverages, enhanced by unique programs like RealDrive® and MercuryGO, which reward safe driving behaviors.

Mercury Auto Insurance Rating

Mercury emphasizes convenience and quality through an efficient claims process and a dependable network of repair facilities.

Start comparing total coverage auto insurance rates by entering your ZIP code here.

Mercury Auto Insurance: Impact of Age, Gender, and Driving History on Rates

Mercury auto insurance is based on your age, gender, and driving history, so it can be competitive for many drivers. Young drivers incur much higher charges, such as a 16-year-old male, who would pay $159 per month for minimum coverage and $391 for full coverage. In contrast, older drivers see much lower rates, with a 60-year-old female paying just $27 for minimum coverage and $69 for full coverage.

Mercury Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

Driving history also impacts pricing. A clean record results in the lowest rates, with minimum coverage costing $29 and full coverage at $77. However, a single accident raises rates to $44 for minimum coverage and $114 for full. DUI leads to the most significant bump, with minimum coverage climbing to $49 and full coverage to $126 a month.

Mercury has an industry-leading pricing structure that punishes younger and higher-risk drivers but rewards experienced, safe drivers with lower monthly rates. Compared to the average national cost, the company’s rates will be competitive enough to make it a plan for those who do not want to pay a fortune.

Mercury Auto Insurance: Competitive Pricing Analysis Among Top Providers

Mercury Insurance is one of the most affordable car insurance companies, with an average monthly minimum coverage policy cost of $52 and full coverage cost of $156. You’ve got Mercury scoring well against pricier competitors like Farmers at $235 and Liberty Mutual at $233. But watch out for the potential for a Mercury rate increase, which could affect these pricing advantages.

Mercury Auto Insurance Monthly Rates vs. Top Providers

Insurance Company	Minimum Coverage	Full Coverage
	$42	$126
	$78	$235
	$35	$113
	$77	$233
	$52	$156
	$57	$173
	$39	$141
	$37	$117
	$60	$182
	$31	$94

It stands favorably next to industry giants like State Farm and Geico, which provide full coverage at $117 and $113, respectively. This pricing makes Mercury a decidedly viable option for consumers who are looking for adequate coverage without a steep price—especially when compared to Nationwide and Travelers full coverage with rates of $173 and $182, respectively.

Mercury Auto Insurance: Comprehensive Discount Guide

Mercury auto insurance offers diverse driver discounts that meet a range of price-point drivers while improving service offerings. Notable auto insurance discounts for good drivers, violation-free records, and good students for those maintaining a “B” average or higher.

Mercury Auto Insurance Discounts

Discount Name
Good Driver	For accident-free, violation-free drivers.
Good Student	For students with a "B" average or 3.0+ GPA.
Multi-Car	For insuring multiple vehicles on one policy.
Multi-Policy	For bundling auto with home or renters insurance.
Pay-in-Full	For paying the premium upfront.
Auto Pay	For setting up automatic payments.
E-Signature	For signing documents electronically.
Anti-Theft Device	For cars with approved security features.
RealDrive®	For enrolling in Mercury's mileage-based program.
MercuryGO	Up to 40% off for using the MercuryGO driving app.

Households with multiple cars can benefit from the “Multi-Car” discount, and combining auto insurance with home or renters insurance qualifies for a “Multi-Policy” discount. Additionally, Mercury offers financial management incentives such as the “Pay-in-Full” discount for upfront premium payments and “Auto Pay” for automatic payment setups.

With even more technology-based savings available with the “E-Signature” discount for electronically signing documents and “MercuryGO,” a driving app that provides customers with up to 40 percent off just for safe driving, it strengthens Mercury’s promise to help support safer driving habits while making it easier to manage policy.

Mercury Auto Insurance Coverage Options

All 11 states where Mercury operates require car insurance before you can drive legally. Mercury auto insurance quotes will at least include the minimum coverage you need. If you have a loan or lease on your vehicle, you likely need full coverage insurance, too, which Mercury can offer. Here are some types of car insurance Mercury offers:

• Mercury Auto Insurance Requirements: Mercury is offered in 11 states and provides required liability coverage based on state laws, plus full coverage for leased or financed vehicles.
• Comprehensive Coverage Options: Provides liability coverage, collision coverage, and comprehensive coverage for accidents, theft, vandalism, and other damage. Add on uninsured/underinsured motorist coverage to protect from underinsured at-fault drivers.
• Additional Coverage Benefits: Provides medical payment coverage for post-accident healthcare costs for all occupants, regardless of fault, and optional rental car coverage during vehicle repairs.
• Rideshare and Mechanical Protection: Tailors coverage for rideshare drivers with affordable monthly options and offers mechanical protection for major vehicle breakdowns, excluding wear and tear.
• State Variability and Customization: Coverage options like rental car, SR22, and mechanical protection vary by state, with Mercury representatives available to help customize policies to meet individual needs and requirements.

Mercury rental car, Mercury SR-22 insurance, and Mercury mechanical protection availability vary by state, so make sure to ask.

A Mercury auto insurance representative can also help you decide which types of auto insurance coverage you need, as noted in a detailed Mercury Insurance review.

Exploring Additional Insurance Types Offered by Mercury

To qualify for a bundling discount, you must purchase more than one Mercury insurance policy. Fortunately, Mercury is not short of options:

• Multi-Policy Discounts: Mercury provides bundling discounts when you combine multiple policies, so you can save on several different types of insurance.
• Residential Insurance Options: Offers homeowners, condo, and renters insurance, allowing customization based on where you live.
• Property Investment Protection: Landlord insurance for property owners who are renting out their space, including liability and property damage coverage.
• Extended Coverage Choices: Offers umbrella insurance for additional liability coverage over fundamental limits and business owners’ policies to suit many business needs.
• Specialized Vehicle and Equipment Insurance: Offers commercial auto insurance for business vehicles and mechanical protection plans that cover major mechanical breakdowns to further broaden Mercury’s coverage.

When considering how to manage your auto insurance policy, you get simple coverage options doing exactly this when you choose a provider such as Mercury.

Mercury Auto Insurance: Competitive Rates Across Driving Records

In a comparative analysis of full coverage auto insurance rates affected by driving records, Mercury demonstrates competitive pricing across various scenarios. For drivers with one accident, Mercury’s monthly rate is $163, which is lower than most competitors, including well-known providers like Allstate at $321 and Liberty Mutual at $335.

Mercury vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Driving Record

Insurance Company	One Accident	One DUI	One Ticket	Clean Record
	$321	$385	$268	$228
	$251	$276	$194	$166
	$182	$185	$150	$124
	$282	$275	$245	$198
	$190	$309	$151	$114
	$335	$447	$302	$248
	$163	$180	$136	$110
	$230	$338	$196	$164
	$265	$200	$199	$150
	$146	$160	$137	$123
	$199	$294	$192	$141
	$111	$154	$96	$83

Similarly, for drivers with one DUI, Mercury’s rate of $180 is significantly more affordable compared to Liberty Mutual’s $447 and even Allstate’s $385. Mercury maintains its competitiveness with a rate of $136 for those with one ticket, staying well below the rates of companies like Liberty Mutual at $302.

Mercury offers a $110 rate—one of the cheapest for drivers with a clean record, after handing over $123 to State Farm and $114 to Geico. This offering makes Mercury an excellent choice for drivers from different driving backgrounds who are looking for a reliable auto insurance provider.

Mercury Auto Insurance: Credit Score Impact on Rates Comparison

Mercury auto insurance provides stable rates for those with good and fair credit scores at $156 that closely match what larger competitors Allstate and Nationwide offer and what does not change across these credit categories. However, the rates for poor credit are extremely high, with Mercury soaring to $288.

Mercury Auto Insurance Monthly Rates vs. Top Competitors by Credit Score

Insurance Company	Good Credit	Fair Credit	Poor Credit
	$126	$126	$159
	$235	$235	$284
	$113	$113	$133
	$233	$233	$280
	$156	$156	$288
	$173	$173	$218
	$141	$141	$178
	$117	$117	$181
	$182	$182	$230
	$94	$94	$117

This rate is higher compared to most competitors, except Farmers and Liberty Mutual, which also exhibit substantial hikes for poor credit ratings at $284 and $280, respectively.

This is significant because companies like Geico and State Farm are much cheaper with low premiums on all credit scores, with State Farm charging $117 and Geico $133 for poor credit, positioning Mercury as in the middle of the road when considering the overall market but on the high end for poor credit.

Mercury Auto Insurance: Ratings and Consumer Satisfaction Overview

Mercury auto insurance receives good ratings from reputable agencies, and its financial strength and customer satisfaction reflect that. The “A” financial stability rating provided by A.M. Best shows that a company is stable enough to pay for claims efficiently. The BBB gives Mercury an A-, noting its effective customer service practices and sound business practices.

Mercury Auto Insurance Business Ratings & Consumer Reviews

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

With scores from Consumer Reports and J.D. Power at 70/100 and 663/1000, respectively, J.D. Power identifies solid but lower than the highest delivery of service. The NAIC’s’ 0.84 ratio suggests fewer than average complaints, revealing overall customer satisfaction.

A Reddit post from a California user says they’ve always gotten much lower quotes from Mercury, including one recent comparison in which Mercury was $800 less than the competition.

To understand how to file an auto insurance claim, take a page out of Mercury’s book, which has a price-competitive service with operational efficiencies and practices that make the price point achievable. It is a company that reads risk management to a T without sacrificing quality or service.

Mercury Auto Insurance: Pros and Cons

Mercury sells cheap, extensive auto insurance coverage in 11 states and emphasizes investing in customer service as well as flexible policy options. Allstate also has a variety of discounts, and its rate averages are competitive—both factors that can make the insurer a good fit for many drivers.

• Customized Coverage: Mercury offers essential auto insurance coverages like liability and collision insurance, as well as comprehensive and unique programs such as RealDrive® and MercuryGO that incentivize safe driving with premium reductions.
• Competitive Rates: Known for affordability, especially for young and high-risk drivers, Mercury’s pricing model is designed to offer lower premiums compared to larger national providers.
• Discount Opportunities: Mercury provides multiple ways to save on premiums, including good driver and multi-car discounts and innovative discounts through its MercuryGO program, potentially lowering premiums by up to 40%.

However, potential customers should also consider a few limitations highlighted in Mercury Insurance reviews.

• Limited State Availability: Mercury provides auto insurance in only 11 states; the brand may not be an option for drivers outside its service area.
• Inconsistent Customer Experiences: Feedback on customer service and claims processing varies, indicating that some customers may face challenges in these areas.

Mercury auto insurance provides competitive pricing and a range of discounts that meet the different needs of drivers, showing how the price of a car affects auto insurance rates.

While they do have a good share of auto policies, you should keep in mind that they are only available in a handful of states and have mixed reviews from customers for auto insurance Mercury car insurance.

What You Need to Know: Mercury Auto Insurance

Mercury auto insurance can be an attractive low-cost coverage option in the insurance market, with various discounts available to different drivers. The competitive rates it offers for many different driving perceptions, the money coverage options like RealDrive® and MercuryGO, and its overall broader worth of each customer experience and product.

Above-average customer satisfaction ratings and below-average complaints prove Mercury’s reliability. Or have a clean driving record, here’s what you need to know how auto insurance companies check driving records. Mercury Insurance offers adaptable policies and proactive service, making it a solid choice for those looking for a reliable Mercury Insurance quote.

Use our free comparison tool to see what auto insurance quotes look like in your area.