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Mercury Car Insurance Review 2023

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Here's what Jerry users say about Mercury
Mercury Reviews
Easy to use website
Easy to use app
Great Prices
Good Discounts Available
Customer Service
Flexible Plan Structures
Loyalty & Rewards Program
199 customer reviews
Mercury is a smaller auto insurance provider that offers cheap rates for most drivers in a handful of states. 
Tracking down the best car insurance company can be a headache—and that’s exactly why Jerry was created. As a car insurance super app and licensed insurance broker with more than 55 provider partners, Jerry identifies your best rates from companies like Mercury in just 45 seconds or less. 
If you’re looking for your ideal coverage options, look no further than Jerry. With expert knowledge, Jerry knows exactly what to look for when it comes to a good car insurance company—and what to steer clear of! Keep reading to find out Jerry’s official Mercury car insurance review.

Mercury auto insurance overview

Mercury offers auto insurance in just eleven states, but it provides home insurance, and renters insurance as well. Mercury also provides a few add-on coverages, like rental car coverage and roadside assistance. 
Mercury earns an excellent A rating for financial strength from AM Best—the credit rating agency focused on insurance companies. That means Mercury can reliably cover claims if you’re in an accident. 
Mercury has cheaper than average rates for many drivers, but one area the company struggles in is customer service, earning average-at-best customer reviews. Despite not being accredited by the Better Business Bureau, Mercury receives an A- rating…along with plenty of dissatisfied customer reviews. 

Mercury pros and cons

More affordable ratesNot widely available
Best rates for drivers with violationsSubpar customer service ratings
Mechanical breakdown coverageFew discounts available
Affordable teen ratesMercuryGo program only available in five states

How to get Mercury car insurance quotes

Want to find easy quotes from Mercury and compare their quotes from other top providers like Progressive and State Farm? Just download the Jerry app. With Jerry, you can see how Mercury’s quotes stack up against other companies and learn how to save on your next policy!


To file a claim with Mercury, visit the claims portal on the Mercury website or call (800) 503-3724.
Before you file your claim, you’ll need to have basic information on hand about the claim, including the following:
1. Details about the scene of the accident
2. Insurance, license, and contact information of the other driver(s)
3. Any police report from the incident. 
When you're ready to make repairs, Mercury will provide you with a list of preferred body shops.
Mercury is an average insurance company with some of the best rates for drivers, especially for young drivers looking for affordable coverage. However, most popular reviews of Mercury cite subpar customer service—especially when it comes to resolving claims. 
Mercury offers car insurance coverage in eleven states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.
To get in touch with Mercury, you can contact your local agent, call (800) 503-3724, or email them through the customer support form on their website.
To get quick Mercury quotes to compare with other top companies, just download the Jerry app. 

Mercury car insurance cost

Affordable car insurance is Mercury’s biggest claim, but is that claim legit?
Yes! Average Mercury customers pay between $50 a month and $187 a month. This range is vast, but these numbers depend on a variety of factors, like driving record and your coverage limit choices. Even so, most Mercury drivers’ rates are well below the national average for both minimum coverage and full coverage.
Check out the table below to see the differences in average costs between these two policy types. 

What factors does Mercury look at?

All car insurance companies employ different standards to decide on the cost of premiums for each customer. Here are some of the factors that Mercury uses to set your rates: 
  • Coverage and deductible: You’ll have higher premiums if you opt for more coverage, but picking a higher deductible could save you money. 
  • Credit score: Drivers with lower credit scores typically pay higher premiums than those with good credit. 
  • Age: Teen drivers and senior drivers usually get stuck with higher premiums than other drivers. 
  • Traffic violations: Recent tickets on your driving record lead to higher rates with any provider.  
  • At-fault accidents: Having an at-fault accident on your record puts you in a high-risk driver category, leading to higher rates—even if Mercury has better rates than other companies for these drivers.
  • Location: Your specific ZIP code could lead to different rates depending on the accident statistics, weather risks, crime rates, and other factors. 
  • Vehicle: Your vehicle’s age, size, make, and model all play a big role in the price of your annual premiums. 

Which Mercury customers get the best rates?

While most drivers can expect to save some money on their rates by using Mercury, drivers with prior accidents usually see the best deals compared to the national average. 
Check out the table below to see how Mercury’s average rates stack up against other providers.
Before Jerry
After Jerry
Clean Record$2,747$1,912
Reckless Driving$5,580$2,147
Seat Belt$4,489$2,694
Eluding Police$4,281$2,029
Careless Driving$4,004$2,714
Wrong Way/Wrong Lane$3,918$2,801
Illegal Turn$3,900$2,682
Passing School Bus$3,843$2,250
Driving on Sus. License$3,783$2,371
Cell Phone$3,712$2,358
Leaving scene of an Accident/Hit and Run$3,632$2,170
Failure to Obey Traffic Sign$3,585$2,433
Speeding over 15$3,442$2,306
Improper Passing$3,400$2,277
Open Container$3,335$2,088
Defective Equipment$3,323$2,152
Speeding under 15$3,322$2,214
Racing/Drag Racing$2,602$1,994
Vehicle Theft$1,608$1,204
See More

Mercury car insurance rates with violations

Mercury insurance often has great deals for drivers with violations on their record. Violations from a single speeding ticket to a DUI will increase your rates—some more than others. If you get labeled as a high-risk driver, you can expect your rates to escalate drastically. 
Below, the table will show you what average Mercury customers pay with different violations. 
Driving InfractionAnnual Cost
Annual Savings With Jerry
Clean Record$1,912$835
Reckless Driving$2,147$3,434
Seat Belt$2,694$1,795
Eluding Police$2,029$2,252
Careless Driving$2,714$1,290
Wrong Way/Wrong Lane$2,801$1,117
Illegal Turn$2,682$1,218
Passing School Bus$2,250$1,593
Driving on Sus. License$2,371$1,413
Cell Phone$2,358$1,353
Leaving scene of an Accident/Hit and Run$2,170$1,462
Failure to Obey Traffic Sign$2,433$1,153
Speeding over 15$2,306$1,136
Improper Passing$2,277$1,123
Open Container$2,088$1,246
Defective Equipment$2,152$1,171
Speeding under 15$2,214$1,108
Racing/Drag Racing$1,994$607
Vehicle Theft$1,204$404

Mercury car insurance cost with DUI

On average, Mercury customers with a DUI conviction will pay 6.41% for auto insurance. That’s 6.41% more than the national average rate without having a DUI. 

Mercury car insurance cost with a speeding ticket

With a recent speeding ticket on their record, Mercury customers pay an annual rate of 10.44% on average for their car insurance. This is 10.44%more than the average rate without a ticket. Your rates will be even more expensive with more than one speeding ticket. 

Mercury car insurance rates by age

Age plays a major role in the cost of car insurance premiums, and it’s no different with Mercury. The graph below outlines the different average rates for Mercury customers based on age. 

Mercury car insurance cost for young drivers

As with most car insurance providers, teen drivers can expect to pay higher rates than other Mercury drivers. However, drivers 18 and under can sign up for Mercury’s MercuryGo Program, which scores driving behavior and can lead to solid discounts. Unfortunately, MercuryGo is currently only available in Arizona, Florida, Georgia, Oklahoma, and Texas.
If your state doesn’t offer MercuryGo, young drivers could still earn a better rate with Mercury’s good student discount. Students with at least a 3.0 GPA, have made the Dean’s List, or are in the top 20% of their class are eligible for savings on their car insurance. 

Where is Mercury insurance the cheapest?

Mercury insurance rates are pretty competitive no matter which of the eleven states you’re in. However, Mercury customers in California typically get the best prices. The table below shows the average Mercury rates in every state it’s available. 
North Dakota$1,209
West Virginia$1,306
South Dakota$1,326
North Carolina$1,413
New Hampshire$1,636
New Mexico$1,707
South Carolina$1,820
Rhode Island$1,835
District Of Columbia$2,015
New Jersey$2,109
New York$2,888
See More

Mercury car insurance discounts

Discounts are one of the best ways to save on your annual premiums, and Mercury has a handful to choose from. 
While the amount of savings will vary for each driver, Mercury offers the following discounts: 
  • Anti-theft feature discount: Mercury provides discounts to drivers who install anti-theft devices in their vehicles. 
  • Autopay discount: Setting up automatic payments for your car insurance bill each month could earn you immediate savings. 
  • E-signature discount: Any customers who sign their insurance documents using an electronic signature are eligible for a discount. 
  • Good driver discount: If you’ve gone a certain amount of time without an accident or violation, you could earn a nice discount on your premium. 
  • Good student discount: Depending on the state, students who get a B average, are on the dean’s list, or are in the top 20th percentile could save on their coverage. 
  • Multi-car discount: Insuring more than one car with Mercury could lead to lower costs.
  • Multi-policy discount: Using Mercury for more than one insurance product—like renters or homeowners insurance— could cut down your coverage costs.
  • Pay-in-full discount: If you can pay your entire coverage term in one lump sum, Mercury will reward you with savings. 

Mercury auto insurance coverage options

All insurance companies must provide the state’s liability minimum coverage, but Mercury offers a few more types of coverage if you’re looking for extra protection. 
Mercury offers these types of coverage as required by the law: 
On top of the legally required coverage, Mercury also provides these types of car insurance: 
  • Collision insurance: If you’re involved in a collision with another car or object, or an accident like a rollover, this coverage helps pay for the damage. 
  • Comprehensive insurance: This coverage pays for damages caused by events other than collisions like theft, vandalism, an animal, or severe weather. 
  • Rideshare insurance: This will extend your insurance policy to cover your car when you’re driving for a rideshare service for Lyft or Uber. 
  • Roadside assistance: Also called towing and labor coverage, Mercury covers services like towing, locksmiths, tire repair, tire replacement, and battery jumpstarts. 
  • Rental car insurance: If your car is being repaired after an accident, this coverage provides you a reimbursement of $30 to $100 a day. 
  • Mercury mechanical protection: Similar to an extended warranty, this coverage handles unexpected repairs for a certain amount of time or miles, depending on the coverage you choose. 

Additional products from Mercury

Mercury offers more than just auto insurance. You could use Mercury for up to seven different types of coverage, including the following: 
  • Business auto insurance
  • Business insurance
  • Homeowners insurance
  • Renters insurance
  • Umbrella insurance
  • Condo insurance
  • Landlord insurance
If you want to make sure you aren’t overpaying for car insurance coverage—with Mercury or any other provider—download the Jerry app to compare quotes from all the top companies. All you have to do is enter your basic information and you’ll be met with your most affordable rates almost instantly! 

Mercury payment options

When it comes time to pay your bill, Mercury accepts several payment methods. 
  • Online payments: Paying through Mercury’s customer portal account online is the easiest way to make your payment. 
  • Payment by mail: You can send Mercury a check or money order by mail.
  • MoneyGram: Mercury accepts payments through MoneyGram stores.

Real Mercury reviews from Jerry customers

Check out what real Jerry users have to say about Mercury:
Heard good things
Hello. I was in need for a auto insurance policy not only was mercury quick, but I got the cheapest prices around with a full blown package that I’m satisfied with!!!
This is wonderful insurance and the agents are very helpful and they worked very hard for me. I really appreciate it. I will recommend this company. Thank you so much.
I've been with Mercury for 5 months now and so far they've been great. When I contacted them for ID cards they sent them right away through email and mail. Their app is helpful with making payments and easy to navigate.
I had contacted Mercury to see if I could get a rental if I had my car worked on and they promptly responded that they only provide rental if it is a claim based request. This is the best price I've had on car insurance since I've had my car for the last 2 years and I've had many carriers. Highly recommend
I never really had to use any of their services. I can say that the last provided a decent rate when I first signed up a year ago. But at my second renewal they raised me $160 stating that costs have gone up everywhere so they have to raise their prices as well. $160!!! That ridicouls. My pay has not gone up. In fact it’s gone down. But everything else in my life has gone up. But not this much at one time. I had to leave. Other than that I had no issues.

Key Takeaways

  • Mercury offers great deals on coverage for most drivers, but especially those with violations on their record. 
  • Mercury customers can save on their premiums with a handful of basic discounts.
  • Teen drivers could have multiple opportunities to save on their coverage. 
  • Mercury could stand to improve their customer service ratings.

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