Best Auto Insurance for Mercurys in 2025

Amica, Erie, and Nationwide have the best auto insurance for Mercurys. Amica offers affordable rates starting at $65 monthly, along with annual dividend payments.

Erie stands out with the cheapest full coverage Mercury car insurance at $83 monthly. 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.

Our Top 10 Company Picks: Best Auto Insurance for Mercurys

Mercury stopped producing vehicles in 2011, leading to lower insurance costs. Compare the top ten Mercury auto insurance companies to find out if you’re getting the cheapest rates on your Mercury.

Enter your ZIP code into our free quote tool to instantly compare prices from companies near you.

Compare Cheap Mercury Auto Insurance

Before you buy auto insurance, compare quotes from multiple providers to lock in the best rate for your specific Mercury model. Erie and USAA stand out as the most affordable providers, offering minimum coverage starting at just $32 per month.

Other insurers with competitive rates include Safeco at $38 monthly and State Farm at $47 per month for minimum coverage.

Mercury Auto Insurance Monthly Rates by Coverage Level

Erie is the cheapest for full coverage at $83 monthly. However, younger drivers often pay much more for Mercury car insurance. Monthly premiums for teens are over $300.

Mercury auto insurance rates drop by the time drivers turn 25, and seniors pay the lowest rates at around $76 per month.

Top companies like The Hartford can offer eligible seniors even lower rates, while American Family has cheap auto insurance for teens, with student discounts and driver education rewards.

Your Mercury insurance quotes will fluctuate based on the model you drive. The Mercury Capri is the cheapest to insure at $71 per month. Mercury Tracer insurance is also very affordable, followed by the Mercury Cougar.

Mercury Auto Insurance Monthly Rates by Model

Mercury Milan car insurance is around average, starting at $76 a month, while Mercury Mountaineer and Mercury Grand Marquis auto insurance tend to cost more. That’s likely due to the size of these models and their higher repair costs.

Since Mercury models were phased out of production in 2011, carrying just a minimum liability or classic auto policy can often lower the cost of Mercury Grand Marquis car insurance and other pricier models.

Choosing Mercury Auto Insurance Policies

The right Mercury car insurance policy protects you from out-of-pocket costs after an accident, theft, or other unexpected events.

Your state laws require liability coverage, while your auto loan or lease may ask for additional coverage. Here are the main coverage types to consider.

Auto Insurance Coverage Options for Mercurys

Mercury vehicles were discontinued in 2011, so many models now qualify for classic or collector coverage, depending on their age, condition, and how often you drive them.

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.

Many companies, including Farmers, will include travel expenses and roadside assistance in their classic coverage for drivers who take their Mercurys on the road to car shows and conventions.

If you want a cheaper Mercury auto insurance quote, consider a classic or collector policy to save money, especially if you have another car you drive more often than your Mercury.

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

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, but there are many different ways to save on coverage.

If you drive a 2011 model or older, follow these tips to get even 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 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.

The best insurance comparison sites let you adjust coverage and deductible levels as needed to find the best auto insurance company 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.

Many providers offer exclusive savings to classic autos. Keep reading to compare more Mercury car insurance discounts.

Stack Mercury Auto Insurance Discounts for Big 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

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%.

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

Top 10 Insurance Companies for Mercurys

Top auto insurance companies like Amica, Erie, and Nationwide offer affordable rates, helpful customer service, and valuable ways to save on Mercury car insurance.

They may not be the largest providers, so compare several providers to ensure you’re getting the right Mercury auto insurance coverage at the best price.

State Farm and Progressive are the largest and most popular car insurance companies for Mercurys, but Amica and Erie have higher claims satisfaction ratings.

Nationwide offers bigger discounts to safe drivers, but State Farm and Progressive remain competitive with convenient online tools and competitive rates. Scroll down to see how the top ten providers compare.

#1 – Amica: Top Overall Pick

Pros

• Dividend Policies: Amica’s dividend auto policies can return up to 20% of premiums to Mercury vehicle owners.
• Affordable Rates: Minimum auto insurance coverage for Mercurys starts at $65 a month. 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.
• Expensive Full Coverage: Amica is the most expensive company for full coverage Mercury car insurance at $215 per month.

#2 – Erie: Best for Full Coverage

Pros

• Full Coverage Policies: Erie offers the cheapest full coverage insurance for Mercurys at $83 a month, which includes pet insurance and covers travel expenses.
• Bundling Deals: Mercury owners who bundle with Erie renters or homeowners save up to 25% off  (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 Availability: Erie only sells car insurance in 12 states.
• 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 with their Nationwide home or life insurance policy. Learn how in our Nationwide insurance review.
• Reasonable Rates: Minimum coverage starts at $63 per month and includes options like accident forgiveness.
• Low-Mileage Discounts: Mercury owners who don’t drive their vehicles often can save up to 40%, and there’s no annual cap on mileage.

Cons

• Agent Access: Nationwide has fewer local offices than competitors like State Farm and Farmers for Mercury owners who prefer in-person support.
• Lower App Ratings: The Nationwide insurance app gets mixed reviews from users, which could impact your online service experience.

#4 – USAA: Best for Military Members

Pros

• Military Discounts: Active-duty and retired military members receive exclusive Mercury insurance discounts for garaging, deployment, and storage.
• Low Premiums: Military members with USAA get the cheapest rates, starting at $32 per month for minimum coverage and full coverage at $84 a month.
• Claims Reputation: USAA earns consistently high customer satisfaction and financial stability ratings. Read our USAA insurance review for more details.

Cons

• Eligibility Limits: Only military members and their immediate families can buy Mercury car insurance through USAA.
• Smaller Discounts: USAA offers much smaller discounts for bundling and loyalty, especially compared to insurers like Nationwide or Amica.

#5 – State Farm: Best for Customer Service

Pros

• Local Support: Over 19,000 agents nationwide give Mercury drivers in all 50 states easy access to personalized assistance.
• Competitive Rates: Minimum insurance starts at $47 per month. Get a free Mercury insurance quote in our State Farm insurance review.
• Claims Satisfaction: State Farm earns above-average satisfaction from J.D. Power for Mercury auto insurance claims handling year after year.

Cons

• Expensive Full Coverage: State Farm is affordable for minimum coverage, but Mercury full coverage at $123 monthly is among the most expensive.
• Limited Digital Tools: The State Farm insurance app doesn’t have as many policy management features for Mercury owners as other providers.

#6 – Farmers: Best for Collector Cars

Pros

• Classic & Collector Auto Perks: Farmers classic car coverage for older Mercurys includes full coverage, guaranteed value, roadside assistance, and original parts coverage.
• 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: Farmers is known for its local agents who handle Mercury repairs often within 48 hours.

Cons

• Higher Premiums: Minimum auto insurance for Mercurys starts at $76 per month, among the highest on the list.
• Limited Digital Tools: The Farmers insurance app and website have limited digital policy access compared to other Mercury insurance companies.

#7 – The Hartford: Best for AARP Members

Pros

• AARP Perks: Mercury drivers over 65 with AARP memberships get unique policy add-ons, like RecoverCare and lifetime renewals.
• Competitive Discount Rates: The Hartford minimum coverage for Mercurys starts at $161 per month, but seniors can lower rates with exclusive discounts.
• Automatic Policy Renewals: Qualified Mercury owners with clean driving records who avoid filing claims can maintain coverage for life with few rate increases.

Cons

• Age Restriction: Only AARP members can access Mercury insurance coverage from The Hartford, excluding younger drivers.
• Small Discount: The Hartford’s bundling discount is just 5%, the lowest among the best Mercury auto insurance companies (Read More: How to Compare 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 discounts and driver training courses (Learn More: The 17 Best Tips to Pay Less for Car Insurance).
• Bundling Rates: AmFam offers one of the biggest discounts for bundling at 25% when you buy Mercury auto insurance with renters or home policies.
• Starting Price: Minimum car insurance for Mercurys starts at $62 per month, competitive for younger drivers insuring older models.

Cons

• Mixed Regional Reviews: Drivers in some states report inconsistent Mercury car insurance claims service and limited agent responsiveness.
• Regional Limitations: American Family is only available to Mercury drivers in 26 states. Find it near you in our American Family Insurance review.

#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 $38 per month, and full coverage is competitive at $101 monthly.
• Rideshare Policies: Mercury owners using their vehicles to work for Uber, Lyft, or DoorDash can get affordable coverage through Safeco.

Cons

• Digital Convenience: Safeco relies on agents to manage Mercury auto insurance policies, limiting online and mobile flexibility for drivers.
• Discount Limits: Fewer discounts are available to Mercury drivers compared to top competitors. Find out what to do if you can’t afford your auto insurance.

#10 – Travelers: Best for Hybrid Vehicles

Pros

• Hybrid Discounts: As mentioned in our Travelers auto insurance review, Mercury owners with hybrid models get exclusive discounts and lower deductibles.
• Competitive Rates: Minimum car insurance for Mercurys is affordable, starting at $53 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 before they qualify for Travelers insurance discounts.
• Customer Service: In many states, customer satisfaction scores for Mercury auto insurance claims and billing are just average or below average.

Buy the Right Mercury Auto Insurance

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.

Amica stands out for its competitive rates and excellent claims service. It also rewards claim-free drivers with dividend rewards that can be applied to annual premiums.

Mercurys were discontinued in 2011, so you can get a pretty affordable Mercury car insurance quote based on its cheap repair costs and classic auto perks (Read More: 26 Hacks to Save More Money on Car Insurance).

Whether you drive a Grand Marquis or need affordable Mercury Mariner car insurance, you can get fast and cheap insurance coverage today with our free tool. Enter your ZIP code to get started.