Best Auto Insurance for Mercurys in 2025 (Top 10 Companies for Your Car!)
Amica, Erie, and Nationwide have the best auto insurance for Mercurys. The top three companies stand out for their customer service when handling Mercury auto insurance claims, but Amica has the cheapest rates, starting at $98 a month. Get the best Mercury car insurance by balancing price, coverage, and discounts.
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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: Sep 14, 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: Sep 14, 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.
On This Page
Amica, Erie, 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. Erie stands out with the most affordable full coverage Mercury car insurance at $275 monthly.
Our Top 10 Company Picks: Best Auto Insurance for Mercurys| Company | Rank | Claims Satisfaction | A.M. Best | Best for | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 746/1,000 | A+ | Dividend Payments | Amica |
 | #2 | 733/1,000 | A+ | Full Coverage | Erie |
 | #3 | 728/1,000 | A+ | Multi-Policy Savings | Nationwide |
 | #4 | 726/1,000 | A++ | Military Members | USAA |
 | #5 | 710/1,000 | A++ | Customer Service | State Farm' |
 | #6 | 706/1,000 | A | New-Car Replacement | Farmers |
 | #7 | 701/1,000 | A+ | AARP Members | The Hartford |
 | #8 | 692/1,000 | A | Young Drivers | American Family |
 | #9 | 687/1,000 | A | Coverage Variety | Safeco |
 | #10 | 684/1,000 | A++ | Hybrid Vehicles | Travelers |
Nationwide earns its spot for generous multi-policy discounts that benefit Mercury drivers who bundle 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.
Comparing the Cheapest Auto Insurance Rates for Mercurys
Before you buy auto insurance, compare quotes from multiple providers to lock in the best rate for your specific Mercury model. Amica stands out as the most affordable provider, offering minimum coverage starting at just $98 per month.
Mercury Auto Insurance Monthly Rates by 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 for minimum coverage, and USAA at $112 per month, but it’s exclusively available to military members and their families. Erie is the cheapest for full coverage at $275 monthly. However, your Mercury insurance quotes will fluctuate based on the model you drive.
Mercury Auto Insurance Monthly Rates by Model| 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.
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Choosing the Right Mercury Auto Insurance Coverage
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.
Auto Insurance Coverage Options for Mercurys| Coverage Type | Description |
|---|---|
| Liability | Covers injuries and property damage to others |
| Collision | Covers damage to your car in a crash |
| Comprehensive | Covers theft, fire, vandalism, etc. |
| Uninsured Motorist | Covers you if the other driver is uninsured |
| Medical Payments | Pays for your medical expenses |
| Personal Injury (PIP) | Covers medical + lost wages (some states) |
| Classic/Collector | Covers the agreed value of older vehicles |
| Roadside Assistance | Covers towing and minor roadside help |
| Rental Reimbursement | Covers rental car while yours is repaired |
Since Mercury vehicles were discontinued in 2011, many models now qualify for classic or collector coverage, depending on their age, condition, and how often they’re driven. Classic auto insurance is a type of policy designed for older or collectible cars that aren’t used as daily drivers.
Unlike standard auto insurance, classic policies typically base coverage limits on the agreed value rather than the depreciated market value. There are also allowances for restoration, spare parts, and limited-use driving. Choosing the right mix of coverage depends on your budget and driving habits, but switching to a classic policy can lower monthly rates.
Read More: What to Do When You’re Denied Insurance Coverage
How to Lower Your Mercury Auto Insurance Rates
Mercury drivers are afforded lower rates than many other people on the road because they drive an older car or a collector model. If you drive a 2011 model or older, follow these tips to get cheaper Mercury insurance quotes:
- Join a Car Club: If you drive a classic Mercury, many insurers will offer discounted rates when you join a recognized classic or collector car club.
- Park in a Garage: Keeping your Mercury in a locked garage or storage facility reduces risk and can earn discounts.
- Reduce Your Coverage: Those who drive older Mercurys but don’t qualify for classic car insurance can reduce coverage to liability-only for the lowest rates.
- Increase Your Insurance Deductible: Agreeing to pay more out of pocket in the event of a claim can help bring down your monthly Mercury insurance rates.
You can also compare quotes online to find affordable Mercury auto insurance. Online comparison tools allow you to see quotes from multiple companies near you, and you can adjust coverage and deductible levels as needed to find the one that fits your budget.
As you shop for quotes, don’t forget to ask about discounts. Discounts can lower Mercury car insurance rates without you having to reduce coverage, and many providers offer exclusive savings to classic autos. Keep reading to compare more Mercury car insurance discounts.
Stacking Mercury Auto Insurance Discounts for Bigger Savings
If you’re looking to lower your Mercury insurance costs, several top providers offer generous discounts. Amica stands out with the most substantial savings for multiple policies and low-mileage drivers at 30% and 25% off.
Top Auto Insurance Discounts for Mercury Drivers| Insurance Company | Anti-Theft | Auto-Pay | Bundling | Low Mileage | Loyalty |
|---|---|---|---|---|---|
| 25% | 4% | 25% | 20% | 15% |
| 18% | 5% | 30% | 25% | 13% |
| 15% | 5% | 25% | 30% | 10% |
| 10% | 5% | 20% | 10% | 12% |
| 5% | 10% | 20% | 40% | 8% |
| 20% | 10% | 15% | 25% | 15% |
| 15% | 13% | 17% | 30% | 6% |
| 10% | 3% | 5% | 10% | 7% |
| 15% | 10% | 13% | 20% | 9% |
| 15% | 6% | 10% | 20% | 11% |
Erie and Nationwide are also great picks for low-mileage Mercury drivers, offering 30% and 40% off, respectively. Anti-theft discounts are the next biggest savings opportunities, with American Family, Safeco, and Amica offering competitive savings up to 25%.
Ask about bundling, low-mileage, and anti-theft discounts to lower your Mercury vehicle insurance costs.
Justin Wright Licensed Insurance Agent
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
The 10 Best Auto Insurance Companies for Mercurys
Top companies like Amica, Erie, and Nationwide offer affordable rates, helpful customer service, and valuable ways to save on Mercury car insurance. Compare several providers to make sure you’re getting the right coverage at the best price.
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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 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 – 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.
#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 – 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 above average 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.
#6 – 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.
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#7 – 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.
#8 – 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: As per our American Family insurance review, Mercurys is only available in select states.
#9 – Safeco: Best for Coverage Variety
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.
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#10 – Travelers: Best for Hybrid Vehicles
Pros
- Hybrid Discounts: As mentioned in our Travelers auto insurance review, 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.
Where to Get the Right Auto Insurance for Your Mercury
Amica, Erie, and Nationwide are our top picks, but getting the best auto insurance for Mercurys means finding a good balance between price, coverage, and discounts (Read More: 26 Hacks to Save More Money on Car Insurance). Amica stands out for its competitive premiums and excellent claims service.
Mercurys were discontinued in 2011 and often come with lower rates due to cheap repair costs and classic auto perks. Whether you drive a Grand Marquis or need affordable Mercury Mariner car insurance, you can get fast and cheap auto insurance coverage today with our free tool. Enter your ZIP code to get started.
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
How much is insurance for a Mercury Grand Marquis?
Auto insurance for Mercury Grand Marquis starts between $70 and $80 per month for minimum coverage. Enter your ZIP code to see how much it costs near you.
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.
How much is Mercury insurance per month?
Depending on the coverage level and the model you drive, your Mercury auto insurance rates could be anywhere between $70 and $375 per month. The Mercury Sable is one of the more affordable models at $49 monthly. Compare auto insurance rates by vehicle to learn more.
What is the #1 insurance provider for Mercurys?
State Farm is the number one auto insurer in the U.S. and a top choice for Mercury owners due to its customer service and wide agent network. Enter your ZIP code to find the top insurance providers in your area.
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?
Yes, some companies may charge a cancellation fee if you end a Mercury car insurance policy before the renewal date.
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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.