Mercury Auto Insurance Review for 2025 (Rates, Discounts, & Options)
Auto coverage from Mercury starts at $39 per month, including gap coverage and mechanical protection plans. Discover our Mercury auto insurance review to learn how drivers can save up to 25% for safe driving and 15% for bundling, with rates influenced by age, credit score, location, and driving history.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 1, 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: May 1, 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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675 reviewsCompany Facts
Monthly Rate
A.M. Best Rating
Complaint Level
Pros & Cons
675 reviewsFind affordable options in this Mercury auto insurance review, with rates starting at $39 per month and coverage including gap protection and mechanical plans.
Mercury Auto Insurance Rating| 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 |
Rates vary by age, credit, driving history, and location, with savings up to 25% for safe drivers, making Mercury a smart choice for drivers seeking the cheapest car insurance with reliable service and protection.
Discover how Mercury balances affordable rates, comprehensive coverage choices, valuable discounts, and responsive customer support to deliver a competitive insurance experience.
- Mercury auto insurance review shows rates from $39/month based on driver profile
- Offers tailored coverage options, including liability, collision, and gap coverage
- Local agents and 24/7 claims support offer convenience and personal service
Mercury offers flexible policy options tailored to individual needs and personalized service through a strong network of local agents. Get a Mercury insurance quote by entering your ZIP code into our free comparison tool.
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Mercury Auto Insurance Cost Guide
Mercury auto insurance rates vary by age, gender, and coverage level, with the highest premiums for teen drivers and lower rates as drivers get older. 16-year-old males pay the most at $227 for minimum and $558 for full coverage, while females of the same age pay slightly less.
Mercury Auto Insurance Monthly Rates by Age, Gender & Coverage Level| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $213 | $547 |
| 16-Year-Old Male | $227 | $558 |
| 18-Year-Old Female | $173 | $404 |
| 18-Year-Old Male | $195 | $454 |
| 25-Year-Old Female | $50 | $134 |
| 25-Year-Old Male | $52 | $139 |
| 30-Year-Old Female | $47 | $124 |
| 30-Year-Old Male | $49 | $130 |
| 45-Year-Old Female | $43 | $112 |
| 45-Year-Old Male | $42 | $110 |
| 60-Year-Old Female | $39 | $99 |
| 60-Year-Old Male | $40 | $102 |
| 65-Year-Old Female | $42 | $111 |
| 65-Year-Old Male | $41 | $108 |
Rates drop by age 25, with average premiums around $50 for minimum and $135 for full coverage. By age 60, females pay as low as $39. For extra savings, check out our 26 hacks to save more money on car insurance.
Adjusting your coverage and bundling policies can lead to meaningful savings. For example, reviewing your policy each year ensures it fits your current needs and budget.
Jeff Root Licensed Insurance Agent
Overall, age significantly impacts rates, while gender differences become less important over time.
Full Coverage Auto Insurance Rates by Provider & Credit Score| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
 | $150 | $175 | $230 |
 | $130 | $155 | $200 |
 | $145 | $170 | $225 |
 | $130 | $155 | $195 |
 | $150 | $180 | $240 |
| $140 | $165 | $210 |
 | $140 | $165 | $215 |
 | $145 | $170 | $225 |
 | $135 | $160 | $200 |
 | $140 | $165 | $220 |
Mercury auto insurance offers mid-range rates, with good credit drivers paying about $140—more than Erie and Geico but less than Liberty Mutual. A Liberty Mutual insurance review shows higher premiums for similar coverage.
Mercury’s rate is about $165 for fair credit, similar to Nationwide and Travelers. Those with bad credit pay around $210, which is lower than Liberty Mutual but higher than Geico. Overall, Mercury provides competitive pricing regardless of credit score.
Mercury auto insurance rates jump significantly based on a driver’s record. Drivers with a clean driving history pay about $42 per month for minimum coverage, one ticket $52, one accident $62, and one DUI $70.
Full coverage follows the same trend, with premiums rising as infractions become more severe. This shows how even a single violation can significantly impact monthly insurance costs.
Auto Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $87 | $228 |
| $32 | $84 |
| $76 | $198 |
| $43 | $114 |
| $96 | $248 |
| $42 | $110 |
| $63 | $164 |
| $56 | $150 |
| $47 | $123 |
| $53 | $248 |
Mercury auto insurance offers competitive monthly rates compared to other top providers, with an average of $42 for minimum and $110 for full coverage.
While more affordable than Allstate, Liberty Mutual, and Travelers auto insurance, Mercury’s rates are slightly higher than low-cost options like Erie and Geico. Still, it offers solid value for drivers seeking balanced coverage and cost.
Mercury Auto Insurance Discounts & Best Ways to Save
Mercury offers a range of auto insurance discounts that can help lower your premium based on driving habits, policy choices, and payment methods. Drivers with a clean record can save up to 25% while bundling multiple policies offers a 15% discount.
Mercury Auto Insurance Discounts by Savings Potential| Discount | |
|---|---|
| Good Driver | 25% |
| Multi-Policy | 15% |
| Multi-Car | 14% |
| Good Student | 10% |
| Accident-Free | 10% |
| Anti-Theft Device | 5% |
| Low Mileage | 5% |
| Paid-in-Full | 5% |
| E-Signature | 3% |
| AutoPay/Paperless | 2% |
Additional savings include 14% for insuring multiple vehicles, 10% for good students and accident-free records, and smaller discounts for features like anti-theft devices, low mileage, paying in full, using an e-signature, and enrolling in autopay or paperless billing.
- Anti-Theft Discount: Drivers with anti-theft devices installed in their vehicles can earn a discount, as these features help deter theft and minimize the risk of related claims.
- Auto Pay Discount: Set up an automatic payment schedule to get billed each month like clockwork and save on your premium.
- Multi-Policy Discount: Combine your auto insurance with a home, condo, or renters policy through Mercury to unlock extra savings on your premium.
- Good Student Discount: Students who maintain strong grades are statistically safer drivers, so Mercury rewards academic achievement with lower auto insurance rates.
- Multi-Car Discount: Insure more than one vehicle on the same policy and enjoy added savings with cheap auto insurance for multiple vehicle coverage, plus the convenience of managing all your cars in one place.
These discounts can lead to substantial savings for eligible drivers looking to reduce their overall insurance expenses.
By rewarding safe driving habits, low mileage, and bundling auto with home, condo, or renters policies, Mercury helps customers maximize the value of their coverage while keeping costs affordable.
Mercury Auto Insurance Coverage Options
Examining all the different types of auto insurance can help you choose the policy that is right for you. Mercury Insurance has different coverage options to help protect you, your passengers and your vehicle in the event of an accident or other unforeseen situation.
- Liability Insurance: Liability insurance includes coverage for bodily injury and property damage. It’s required in most states and helps cover costs if you’re responsible for an accident.
- Collision Coverage: Collision auto insurance covers damage to your car after you hit another car or an object, such as a guard rail, lamppost or pole, irrespective of fault.
- Comprehensive Coverage: Comprehensive coverage, other than collision insurance, covers damage from events like theft, vandalism, fire, hail, floods, and animal collisions.
- Medical Coverage: If you, or your passenger(s) are injured in an accident, medical coverage helps to pay the expenses for the treatment of injuries incurred.
- Personal Injury Protection: PIP is similar to medical coverage in that it pays for things like rehab, funeral costs, and lost wages. Most states require drivers to carry at least a minimal amount of this protection.
- Uninsured/Underinsured Motorist: Uninsured/underinsured motorist covers you if you’re injured by a driver with little or no insurance.
Selecting the right combination of coverages ensures you’re prepared for the unexpected, whether a minor fender bender or a significant incident.
Speak with a Mercury agent to customize a policy that offers the protection and peace of mind you deserve.
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Mercury Auto Insurance Ratings and Trusted Claims Service
Mercury auto insurance earns solid business ratings and consumer reviews, with an A- average satisfaction score and an “A” financial strength rating from A.M. Best. It receives fewer complaints than average and is praised for positive claims handling, reflecting a strong overall Mercury insurance rating.
Mercury Auto Insurance Business Ratings & Consumer Reviews| Agency | |
|---|---|
 | Score: 663 / 1,000 Avg. Satisfaction |
 | Score: A- Good Business Practices |
 | Score: 70/100 Positive Claims Handling |
 | Score: 0.84 Fewer Complaints Than Avg. |
 | Score: A Excellent Financial Strength |
Jeff G. from Newport Coast, CA, shared a 5-star Yelp review praising Mercury Insurance for their professional and prompt service after an accident. His experience echoes many positive Mercury Insurance reviews highlighting strong claims support.
He commented about the fair and timely compensation he received for his vehicle damages and his injury-related expenses, stating that it was a smooth and professional handling of his case decision.
Consider raising your deductible if you have a solid emergency fund, as this can significantly lower your monthly premium without reducing essential coverage.
Melanie Musson Published Insurance Expert
He also praised the injury and total loss staff for their clarity and outstanding support, reflecting the best practices found in our guide on how to file an auto insurance claim & win it each time.
Pros and Cons of Mercury Auto Insurance
When selecting an auto insurance provider, it’s important to consider the pros and cons to determine if this company meets your coverage needs and budget.
- Affordable Premiums: Mercury is known for offering some of the most competitive rates in the industry. Auto insurance starts as low as $39 per month for qualifying drivers, making it a strong choice for budget-conscious customers.
- Variety of Discounts: Mercury offers many discounts, including multi-policy, multi-car, good driver, and anti-theft discounts. California drivers can also benefit from RealDrive, a usage-based program offering up to 20% savings based on actual mileage.
- Guaranteed Repairs From Authorized Shops: Mercury guarantees repairs completed at authorized repair facilities for as long as you own the vehicle, giving policyholders added confidence and peace of mind when dealing with accident damage.
Pros and cons of Mercury Insurance provide us insights into the many strengths that can appeal to cost-sensitive drivers, such as the ability to save on rates and receive personalized service, but also outline drawbacks, like limited state availability and no accident forgiveness that might need consideration before embarking on a new policy.
- Limited State Availability: Mercury auto insurance is only available in 11 states, so drivers outside these areas won’t have access to its policies or rates.
- No Accident Forgiveness: Mercury doesn’t include accident forgiveness in its policies, so your rates may increase after an at-fault accident, even if it’s your first incident.
Understanding the pros and cons of Mercury auto insurance can help you make a more informed decision. If cost is a concern, see our guide on what to do if you can’t afford your auto insurance for practical tips and alternatives.
Though the company provides exceptional value through competitive prices and long repair guarantees, its limited availability and absence of accident forgiveness are worth bearing in mind when weighing your options.
Maximize Savings With Mercury Auto Insurance
Mercury auto insurance review shows rates starting at $39 per month, with pricing based on location, age, and driving history. Mercury offers affordable premiums, up to 25% off for safe driving, and 15% bundling discounts.
Strengths include guaranteed repairs and personalized service through local agents. However, coverage is limited to 11 states, and there’s no accident forgiveness, which may raise rates after an at-fault accident. Understanding these factors is key when learning how to compare auto insurance companies and choosing the best fit for your needs.
Enter your ZIP code in our free tool below to see if you can get cheaper auto insurance rates and to compare quotes from multiple companies near you.
Enter your zip code below to view companies that have cheap insurance rates.
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Frequently Asked Questions
Is Mercury Insurance good for budget-conscious drivers?
Yes, Mercury Insurance is often considered a good option for budget-conscious drivers, with auto insurance rates starting at around $39 per month and multiple discounts available for safe driving, bundling, and more. It strikes a balance between affordability and essential coverage options.
Can I customize coverage options in my Mercury auto insurance quote?
Yes, when you receive a Mercury auto insurance quote, you can adjust coverage levels like liability, collision, comprehensive, and add-ons such as roadside assistance or rental car reimbursement to see how changes affect your premium.
Comparing quotes is integral to finding the best rates possible. Enter your ZIP code into our free tool today to see what quotes might look like for you.
Which insurer is better for high-risk drivers, Nationwide vs Mercury?
Mercury is often more accommodating to high-risk drivers, offering better rates for those with tickets or accidents. A Nationwide insurance review shows it may charge more due to stricter underwriting for less-than-perfect records.
Does Mercury offer gap insurance that can be added after buying a policy?
In some cases, yes. Mercury may allow you to add gap insurance after your initial policy purchase, but usually only within a limited time frame or under certain conditions. It’s best to speak directly with an agent to determine eligibility.
How do I get a Mercury rental car after filing a claim?
Once your claim is approved and if you have rental reimbursement coverage, your Mercury claims representative will assist in setting up a Mercury rental car through an approved rental partner. You may need to coordinate directly with the rental agency for pickup or delivery.
Why is Mercury Insurance so cheap in certain states?
Mercury operates in just 11 states, allowing it to optimize rates and reduce costs in those areas. For more ways to save, explore the 17 best tips to pay less for car insurance.
Does Mercury Insurance cover rental cars if my vehicle is stolen?
Yes, if your vehicle is stolen and you have comprehensive coverage along with rental reimbursement, Mercury may help cover the cost of a rental car while your stolen vehicle claim is being processed.
How does customer satisfaction compare in Mercury Insurance extended warranty reviews?
Mercury Insurance extended warranty reviews suggest overall customer satisfaction, but are mixed. Some users love the low cost and hassle-free claims process, while others have reported delays or simply limited shops to visit. To avoid surprises, take the time to read contract details and work with a Mercury agent.
What services can I access through Mercury Insurance customer service?
Mercury Insurance customer service can assist with policy changes, billing inquiries, claims support, ID card requests, and general questions. They can also connect you to local agents for personalized help, including guidance on how to buy auto insurance that fits your coverage needs and budget.
Can renters purchase Mercury earthquake insurance?
Yes, renters may be eligible for Mercury earthquake insurance through a renters policy add-on, which helps protect personal belongings and provides coverage for temporary housing if the rented unit is damaged in a quake.
How much does Mercury pet insurance cost on average?
The cost of Mercury pet insurance varies based on factors like your pet’s age, breed, species, and the level of coverage you select. Monthly premiums typically range from $15 to $70, with accident-only plans being more affordable than comprehensive accident-and-illness policies that include wellness add-ons.
How do Mercury vs Amica compare in terms of digital tools and mobile app experience?
Amica’s app offers more robust features like bill pay and claim tracking, while Mercury’s tools are more basic and rely on agent support. Amica insurance review summaries highlight its strong digital experience as a key advantage.
Can I cancel Mercury Insurance online?
Mercury currently does not offer a full online cancellation option through their customer portal. To cancel Mercury Insurance, you’ll need to call customer service or speak directly with your local Mercury agent to complete the cancellation process.
Are Mercury home insurance reviews reliable for evaluating service quality?
Yes, Mercury home insurance reviews from verified policyholders on platforms like Yelp, Google, and Better Business Bureau can provide helpful insights into real customer experiences, especially in areas like claims response time and billing transparency.
How do coverage options compare between Mercury vs SafeAuto?
Mercury offers broader coverage options, while the SafeAuto insurance review shows a focus on minimum coverage, making it less flexible but appealing to budget shoppers.
Shopping for insurance can feel overwhelming, but you don’t have to do it alone. Enter your ZIP code into our free comparison tool to get started.
Enter your zip code below to view companies that have cheap insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.
