Best Auto Insurance for Mercurys in 2025 (Top 10 Companies for Your Car!)
Amica, State Farm, and Nationwide offer the best auto insurance for Mercurys. Amica has the cheapest Mercury insurance quotes starting at $98 per month. State Farm stands out for its customer service handling Mercury auto insurance claims, and Nationwide delivers substantial multi-policy savings.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Apr 30, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 30, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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768 reviewsCompany Facts
Full Coverage for Mercurys
A.M. Best
Complaint Level
Pros & Cons
768 reviews
18,154 reviewsCompany Facts
Full Coverage for Mercurys
A.M. Best
Complaint Level
Pros & Cons
18,154 reviews
3,071 reviewsCompany Facts
Full Coverage for Mercurys
A.M. Best
Complaint Level
Pros & Cons
3,071 reviewsAmica, State Farm, and Nationwide have the best auto insurance for Mercurys. Amica offers the lowest rates at $98 monthly, along with dividend policies that return a portion of premiums to drivers.
Our Top 10 Company Picks: Best Auto Insurance for Mercurys| Company | Rank | A.M. Best | Bundling Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | A+ | 30% | Dividend Payments | Amica |
 | #2 | A++ | 17% | Customer Service | State Farm |
 | #3 | A+ | 20% | Multi-Policy Savings | Nationwide |
 | #4 | A++ | 10% | Military Members | USAA |
 | #5 | A+ | 5% | AARP Members | The Hartford |
 | #6 | A | 25% | Young Drivers | American Family |
 | #7 | A | 15% | Comprehensive Coverage | Safeco |
 | #8 | A | 20% | New-Car Replacement | Farmers |
 | #9 | A++ | 13% | Hybrid Vehicles | Travelers |
 | #10 | A+ | 25% | Full Coverage | Erie |
State Farm stands out for reliable and local customer service. Nationwide earns its spot for generous multi-policy discounts that benefit Mercury drivers bundling home and auto insurance.
Each provider delivers strong coverage options and unique savings opportunities tailored to Mercurys, but getting multiple auto insurance quotes is the easiest way to find the best fit for your budget.
- Affordable Mercury insurance starts at just $98 per month
- Amica is the best Mercury insurance company with excellent overall value
- Mercurys were phased out of production in 2011, leading to lower insurance costs
To find out if you’re paying the cheapest rates on your Mercury, enter your ZIP code into our free quote tool to instantly compare prices from companies near you.
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#1 – Amica: Top Overall Pick
Pros
- Dividend Policies: Amica’s dividend auto policies can return up to 20% of premiums to Mercury vehicle owners.
- Lowest Rates: Minimum auto insurance coverage for Mercurys starts at just $98 a month, the cheapest among top insurers. Compare more quotes in our Amica insurance review.
- Bundling Discount: Mercury drivers can save up to 30% when combining auto with home, renters, or life insurance.
Cons
- Claims Access: Mercury owners in some states may need to file claims by phone or mail, which can slow response times.
- Limited Reach: Amica isn’t available in all western states, restricting access for some Mercury drivers.
#2 – State Farm: Best for Customer Service
Pros
- Local Support: Over 19,000 agents nationwide give Mercury drivers easy access to personalized assistance. Get more details in our State Farm insurance review.
- Competitive Rates: Minimum insurance coverage for Mercurys starts at $105 per month,
- Claims Satisfaction: J.D. Power rated State Farm 882/1000 for Mercury auto insurance claims handling.
Cons
- Expensive Full Coverage: State Farm is affordable for minimum coverage, but Mercury full coverage at $340 monthly is among the most expensive.
- Digital Tools: The app doesn’t allow full online policy management for Mercury owners.
#3 – Nationwide: Best for Multi-Policy Savings
Pros
- Bundling Benefits: Mercury drivers can save up to 20% by bundling auto with other Nationwide policies. Learn more in our Nationwide insurance review.
- Reasonable Rates: Minimum coverage starts at $140 per month and includes options like accident forgiveness.
- Deductible Rewards: Available with full coverage policies to lower deductibles by $100 annually for safe Mercury drivers.
Cons
- Agent Access: With fewer local offices, Mercury drivers may lack in-person support.
- App Ratings: Nationwide’s mobile tools have mixed user reviews, affecting online service convenience.
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#4 – USAA: Best for Military Members
Pros
- Military Discounts: Active-duty and retired military members receive Mercury insurance discounts for garaging, deployment, and storage.
- Low Premiums: USAA offers Mercury drivers minimum coverage starting at $112 per month.
- Claims Reputation: USAA earned a 909/1000 score from J.D. Power, the highest in the industry. Browse our USAA insurance review for more details.
Cons
- Eligibility Limits: Only military families can access Mercury car insurance through USAA.
- Limited Bundling: Fewer bundling options compared to larger insurers like Nationwide or Amica.
#5 – The Hartford: Best for AARP Members
Pros
- AARP Perks: Mercury drivers age 50+ can get unique features like RecoverCare and lifetime renewals.
- Decent Rates: Offers Mercury minimum coverage at $128 per month, while full coverage is more competitive at $290 per month.
- Policy Renewals: Qualified Mercury owners can maintain coverage for life with clean driving records.
Cons
- Age Restriction: Only AARP members can access Mercury coverage, excluding younger drivers (Read More: How to Compare Auto Insurance Companies).
- Small Discount: The Hartford’s bundling discount is just 5%, the lowest among the best Mercury auto insurance companies.
#6 – American Family: Best for Young Drivers
Pros
- Youth Discounts: Mercury owners under 25 can qualify for up to 25% off with good student and driver training discounts.
- Bundling Rates: Offers a strong 25% discount for bundling Mercury auto insurance with renters or home policies (Learn More: The 17 Best Tips to Pay Less for Car Insurance).
- Starting Price: Minimum car insurance for Mercurys starts at $133 per month, competitive for younger drivers insuring older models.
Cons
- Mixed Reviews: Some drivers report inconsistent Mercury car insurance claims service and limited agent responsiveness.
- Regional Limits: American Family auto insurance for Mercurys is only available in select states.
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#7 – Safeco: Best for Comprehensive Coverage
Pros
- Coverage Variety: Safeco offers unique add-ons for Mercury vehicles, including OEM parts coverage and accident forgiveness.
- Affordable Rates: Minimum coverage for Mercurys starts at $120 per month, and full coverage is competitive at $310 monthly.
- Bundling Savings: Mercury drivers can get up to 15% off when bundling auto and home insurance. For more information, read our guide on what to do if you can’t afford your auto insurance.
Cons
- Agent Dependence: Many policies require working through agents, limiting online flexibility for Mercury owners.
- Discount Limits: Fewer discounts are available to Mercury drivers compared to top competitors.
#8 – Farmers: Best for New-Car Replacement
Pros
- New-Car Replacement: Farmers offers full new-car replacement coverage for Mercury vehicles under two years old.
- Bundle Options: Mercury drivers can save up to 20% by bundling with other Farmers policies. For full details, read everything you need to know about Farmers Insurance.
- Strong Claims Support: Known for responsive claims handling, with Mercury repairs often approved within 48 hours.
Cons
- Higher Pricing: Minimum auto insurance for Mercurys starts at $145 per month, among the highest on the list.
- Limited Digital Tools: App functionality and digital policy access are more limited than other Mercury insurance companies.
#9 – Travelers: Best for Hybrid Vehicles
Pros
- Hybrid Discounts: As mentioned in our Travelers auto insurance, Mercury hybrid owners can access exclusive savings and lower deductibles through Travelers.
- Cheap Full Coverage Rates: Full coverage car insurance for Mercurys is the second-cheapest on this list at $285 per month.
- Industry Experience: Travelers is one of the most reliable Mercury car insurance companies, with over 100 years in the industry and an A++ A.M. Best rating.
Cons
- Complex Discounts: Mercury drivers may need to meet multiple criteria to unlock full savings.
- Average Service: Customer satisfaction scores for Mercury auto insurance claims and billing are just average or below average in many states.
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#10 – Erie: Best for Full Coverage
Pros
- Full Coverage Policies: Erie has the cheapest full coverage insurance for Mercurys at $275 a month, which includes pet insurance and covers travel expenses.
- Bundling Deals: Mercury owners can receive up to 25% off by bundling with renters or homeowners insurance (Read More: Best Homeowners Insurance Companies).
- Lock-In Rates: Drivers can lock in cheap Mercury insurance rates for the life of their policy, or until major policy changes are made, like moving or adding a driver.
Cons
- Limited Footprint: Erie only operates in 12 states, restricting access for many Mercury drivers.
- Fewer Add-Ons: Mercury drivers looking for features like rideshare coverage may need to look elsewhere.
Exploring Auto Insurance Costs for Mercury Vehicles
When it comes to finding the lowest rates for Mercury vehicles, Amica stands out as the most affordable provider, offering minimum coverage starting at just $98 per month. This makes it a strong choice for budget-conscious Mercury drivers who still want high-quality service and the added value of dividend-paying policies.
Mercury Auto Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $133 | $330 |
| $98 | $375 |
| $158 | $275 |
| $145 | $295 |
| $140 | $325 |
| $120 | $310 |
| $105 | $340 |
| $128 | $290 |
| $152 | $285 |
| $112 | $355 |
Other insurers with competitive rates include State Farm at $105 per month, known for reliable customer service, and USAA at $112 per month, which is exclusively available to military members and their families.
Safeco also offers a solid value at $120 a month, particularly for Mercury owners seeking comprehensive coverage options at a modest price. However, your Mercury insurance quotes will fluctuate based on the model you drive.
Mercury Auto Insurance Monthly Rates by Model & Coverage Level| Mercury Model | Minimum Coverage | Full Coverage |
|---|---|---|
| Mercury Cougar | $74 | $141 |
| Mercury Grand Marquis | $81 | $158 |
| Mercury Mariner | $78 | $152 |
| Mercury Milan | $76 | $148 |
| Mercury Montego | $79 | $153 |
| Mercury Mountaineer | $83 | $162 |
| Mercury Sable | $80 | $155 |
| Mercury Tracer | $72 | $138 |
Among individual models, the Mercury Tracer is the cheapest to insure at just $88 per month. Mercury Grand Marquis auto insurance is also very affordable, followed by the Mercury Mariner. Models like the Mercury Cougar and Mercury Sable tend to cost more, likely due to higher repair costs or a sportier build.
Before you buy auto insurance, lock in the best rate for your specific Mercury model by comparing quotes from multiple providers.
Available Auto Insurance Coverage Options for Mercurys
Whether you’re driving a Mercury Grand Marquis or a Mercury Mariner, the right policy protects you from out-of-pocket costs after an accident, theft, or other unexpected events. Here are the main coverage types to consider:
- Liability Coverage: Covers injury and property damage you cause to others. This is required in most states and forms the base of all Mercury auto insurance policies.
- Collision Coverage: Pays to repair or replace your Mercury vehicle after a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: Covers non-collision incidents such as theft, vandalism, fire, weather damage, or hitting an animal.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver who has no insurance or insufficient coverage.
- Medical Payments (MedPay) or Personal Injury Protection (PIP): Helps cover medical expenses for you and your passengers after an accident, regardless of who’s at fault.
Full coverage — including liability, collision, and comprehensive — is often recommended for newer or well-maintained Mercury vehicles to ensure complete protection.
Choosing the right mix of coverage depends on your Mercury model, budget, and driving habits, as some Mercury drivers may benefit from optional add-ons like gap insurance and roadside assistance. Gap insurance is ideal for newer Mercury vehicles that are leased or financed, while roadside assistance can be especially useful for older Mercury models.
Read More: What to Do When You’re Denied Insurance Coverage
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Savings With Top Auto Insurance Discounts For Mercurys
If you’re looking to lower your Mercury insurance costs, several top providers offer generous discounts. Amica stands out with the most substantial savings.
Mercury Auto Insurance Discounts From Top Providers| Insurance Company | Anti-Theft | Auto-Pay | Bundling | Good Student | Loyalty |
|---|---|---|---|---|---|
| 25% | 4% | 25% | 25% | 15% |
| 18% | 5% | 30% | 20% | 13% |
| 15% | 5% | 25% | 15% | 10% |
| 10% | 5% | 20% | 15% | 12% |
| 5% | 10% | 20% | 18% | 8% |
| 20% | 10% | 15% | 10% | 15% |
| 15% | 13% | 17% | 35% | 6% |
| 10% | 3% | 5% | 12% | 7% |
| 15% | 10% | 13% | 8% | 9% |
| 15% | 6% | 10% | 10% | 11% |
Amica provides the largest bundling discount at 30%, along with up to 20% off for good students and 18% for anti-theft, helping Mercury owners reduce premiums across multiple areas of their policy.
Ask about bundling, good student, and anti-theft discounts to lower your Mercury vehicle insurance costs.
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State Farm also ranks highly, especially for young Mercury drivers, offering the highest good student discount at 35%. Erie and Farmers follow closely, each with strong bundling and student discounts that reach up to 25%. American Family offers up to 25% off for anti-theft devices, bundling, good student performance, and loyalty.
While Safeco, Nationwide, and USAA offer slightly lower percentage discounts, they still provide valuable savings across categories like auto-pay, loyalty, and anti-theft. Mercury drivers who qualify for multiple discounts can maximize savings by comparing offers across providers.
Read more: 17 Car Insurance Discounts You Can’t Miss
Securing The Right Auto Insurance For Your Mercury
Getting the best auto insurance for Mercurys means finding a good balance between price, coverage, and discounts. Top companies like Amica, State Farm, and Nationwide offer affordable rates, helpful customer service, and valuable ways to save, such as bundling, good student discounts, and even dividend payments (Read More: 26 Hacks to Save More Money on Car Insurance).
He’s paintin’ up a masterpiece — like insurance and financial services together at Nationwide.
— Nationwide (@Nationwide) April 22, 2025
Whether you drive a Grand Marquis or need affordable Mercury Mariner car insurance, comparing quotes from several providers is the best way to make sure you’re getting the right coverage at the best price. Get fast and cheap auto insurance coverage today with our free quote comparison tool.
Frequently Asked Questions
Which insurance company is best for Mercury auto insurance?
Amica is often rated the best auto insurance company for Mercurys thanks to low rates, dividend policies, and strong customer satisfaction, followed closely by State Farm and Nationwide.
Why is Mercury auto insurance so cheap?
Mercury car insurance rates remain affordable because the vehicles are easy and inexpensive to repair after claims. And since Ford discontinued the brand in 2011, older models have lower insurance rates than new vehicles.
Why is my Mercury auto insurance so expensive?
Mercury insurance quotes can be more expensive if you have prior violations, live in high-risk ZIP codes, or miss out on key discounts.
Read More: Top 7 Ways You’re Wasting Money On Your Car
Which Mercury auto insurance company is cheaper?
Which company has the most affordable car insurance? Among companies that insure Mercury vehicles, Amica offers the lowest minimum coverage at $98 per month, with other affordable options from Erie and State Farm.
How do you shop for the best Mercury auto insurance?
To find the best car insurance for Mercurys, compare quotes from top providers, evaluate bundling discounts, and check coverage options that match your driving needs.
Is Geico or Progressive cheaper for Mercury auto insurance?
For Mercury vehicles, Geico is often cheaper for safe drivers, while Progressive may be more affordable for high-mileage or telematics users.
Who is the #1 insurance provider?
What is the most trusted Mercury auto insurance company?
Amica is frequently ranked as the most trusted provider for Mercury vehicles due to its responsive claims service, transparent policies, and customer-first approach.
What mileage makes Mercury auto insurance cheaper?
Driving fewer than 7,500 miles annually can make Mercury vehicle insurance cheaper, qualifying you for low-mileage discounts with several insurers.
Read more: The Definitive Guide to Usage-Based Car Insurance
Is there a cancellation fee for Mercury auto insurance?
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.