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Mercury Car Insurance Review
(Mar 2024)

In a study of real insurance policyholders’ experiences, the Jerry research team ranked Mercury 24th overall compared to companies of a similar size.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Comprehensive Mercury Car Insurance Review

Mercury is a smaller auto insurance provider that offers cheap rates for most drivers in a handful of states—but
Jerry's
group of researchers found that for car insurance in 2023, it was ranked in the middle of the pack.
Mercury received the following reviews from actual policyholders:
4.3
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244 Reviews
5 Stars
57.79%
4 Stars
24.59%
3 Stars
11.07%
2 Stars
3.28%
1 Star
3.28%

So, is Mercury a good insurance company?

Mercury is, on the whole, a decent insurance company.
We looked at over 300 verified customer reviews for Mercury and found that 87% had a positive opinion of the service they received while only 5.7% had a negative one.
Considering the national average of only 64% positive reviews and 18.54% bad reviews, it's easy to see why Mercury did well on our survey. 
The positive: Mercury's affordable rates for people of all demographics and driving records is one of the reasons people choose this insurer. Mercury customers have also commended the following features: 
  • Mechanical breakdown coverage
  • Rideshare insurance available
  • Easy-to-use and well-rated mobile app
However, the lack of options to customize Mercury auto policies was a common complaint from customers who left negative reviews.
We asked policyholders to rate Mercury on their affordability, claims experience, customer service, and renewal process. 
See how Mercury’s ratings compared to the national average of all companies surveyed below:
CriteriaMercury's RatingIndustry Average
Overall
3.5
4.1
Cost / Price
3.5
3.8
Claim Experience
3.5
3.5
Customer Service
3
4
Renewal Experience
3
4
We analyzed Mercury using survey responses from actual drivers and the opinions of seasoned experts in the field. See how Mercury compares to other insurance companies in the United States below.
Critera
State Auto
Score Out Of
BBB Rating
A-
A+
NAIC Rating
3.63
6
Clearsurance
3.73
5
A.M. Best Rating
A
A++
IOS App Store Rating
4.8
5
Google Play Store Rating
4.2
5
Please note* that a greater NAIC score indicates increased risk.

Mercury car insurance reviews

We conducted a survey among actual Mercury customers to gauge their level of satisfaction across a range of key performance indicators. Here are some candid opinions from Mercury policyholders:

Mercury pros and cons

Here are the advantages and disadvantages of acquiring a vehicle insurance policy from Mercury based on the findings of our national insurance customer satisfaction survey and publicly available third-party ratings:
iconPros
More affordable rates overall
Best rates for drivers with violations
Mechanical breakdown coverage
Affordable teen rates
iconCons
Not widely available
Subpar customer service ratings
Few discounts available
MercuryGo program only available in five states

Is Mercury the right insurance company for you?

Mercury is frequently regarded as one of the top auto insurance providers for: 
But as a smaller-tier insurance provider, Mercury is only available in the following 11 states:
Mercury's insurance offerings include basic auto and
home insurance
, as well as
renters insurance
. They also provide a few add-on coverages, like
rental car coverage
and roadside assistance. 
Learn more about how our survey respondents rated Mercury' car insurance services below:

Is Mercury car insurance expensive?

Affordable car insurance is Mercury’s biggest claim, but is that claim legit? From our studies, yes!
Mercury's costs were brought up in 28% of reviews. 82% of reviews were positive in this regard, and only 13.4% were negative. The general consensus among reviewers seems to be that Mercury's auto insurance rates are overall rather affordable.
Mercury ranked 29th in our study of customer satisfaction with insurance premiums in part because of its smaller size and more limited offerings. Their average rating of 2.6 out of 5 stars is lower than the national average of 3.81.
Keep in mind that Mercury's rates won't be the same for everyone because different drivers present different risks. When determining your premium, Mercury takes the following into account, as do most insurance companies: 
Even though insurance companies in every state have the right to use their own rating factors when determining premium costs, there is still a wide range of rates across the country. We see the following trends when we look at the Mercury data gathered:

Mercury cost reviews

Check out how real Mercury customers rated Mercury based on cost below:

Find real Mercury car insurance quotes

If you're trying to decide if Mercury is right for you,
Jerry
will gladly help you out—at no extra cost. Our specialty is making it easy for drivers like you to
compare auto insurance quotes
from Mercury and 55+ other companies. 
To illustrate how your driving record can affect your premiums, we've included some recent quotes we've received from Mercury.
Premium (monthly)CustomerCarInsurance Coverage
$243
Nissan Murano S
• State Minimum Liability
• Comp / Collision
$161
Mazda 6 Grand Touring
• 50,000/100,000 Liability
$148
Honda Accord Hybrid EXL
• State Minimum Liability
• Comp / Collision
$162
Hyundai Kona SEL Plus
• 50,000/100,000 Liability
• Comp / Collision
$180
Ford Edge Limited
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 19, 2024

Will Mercury raise your rates?

Every time you
renew your policy
, Mercury, like any other insurance provider, can raise your rates.
For the following reasons, Mercury may choose to raise your premium:
  • New tickets, violations, or accidents
  • New address
  • New driver on the policy 
  • New vehicle on the policy
  • Inflation
64% of the drivers surveyed by Jerry renewed their Mercury insurance. Don't be surprised if your insurance premium changes over time; this can occur regardless of any modifications to your driving record or other factors.

Does Mercury resolve claims fast?

Mercury, like many other insurance providers, has a 30-day average for claims resolution. However, the length of time it takes to resolve your
auto insurance claim
depends on the details of your specific case.
The insurance company will conduct an investigation, evaluate the losses or injuries, and establish liability and coverage limits in order to swiftly settle or deny the claim. If this deadline is met, claims can be processed quickly and efficiently, relieving stress for policyholders.
According to our poll, roughly 64% of all Mercury policyholders have filed a claim. Customers were dissatisfied with Mercury's claims service, giving it only 2 stars out of 5.
Mercury scored lower than the industry average of 3.54/5. Based on the claims procedure comments of their verified clients, we ranked Mercury 13th when compared to other businesses of the same size. 

Mercury claims reviews

Check out how real Mercury customers rated Mercury based on claims below:

Does Mercury have good customer service?

One area the company struggles in is customer service, earning average-at-best customer reviews.
Mercury's customer service received a score of 2.9 out of 5, according to the respondents of the survey. When measured against the national average of 3.9 stars for customer service, Mercury's service comes in well below average. 

Mercury customer service reviews

Check out how real Mercury customers rated Mercury based on customer service below:

Mercury car insurance discounts

Mercury offers a variety of
discounts
that can help you save money on your annual costs. 
If a driver is eligible for discounts, such as those for safe driving, low mileage, and policy bundling, they may be able to significantly lower their monthly premium. Saving money on car insurance is as easy as installing safety features and switching to a policy that takes your driving record into account. 
Mercury provides 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 coverage options

Although all insurers are required by law to provide at least the
minimum liability coverage
required in your state, Mercury also provides several optional extras. 
Mercury offers these types of coverage:
Liability car insurance
: Depending on your state, you may need to purchase either
bodily injury liability
or
property damage liability
(or both!) to cover claims for other drivers if you cause an accident. 
Uninsured/underinsured motorist coverage
: Many states mandate this coverage to pay for your bills if you’re in an accident with a driver who lacks sufficient liability coverage.
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’s additional tools and services

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
  • Condo insurance
  • Landlord insurance
It's important to remember that these optional extras aren't always available, depending on factors like where you live and the specifics of your chosen policy. Check out the Mercury website or give them a call to learn more about the various coverage options available in your area.

Compare Mercury quotes by driver profile

To show you just how real Mercury quotes change based on driver profile and history, we created a comprehensive table outlining different driver ages, infractions, and more:

Mercury quotes for teens and seniors

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.
card cover
Hunter (21 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$376
per month
card cover
Allie (21 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$356
per month
card cover
Augusta (22 years old)
coverageCoverage
State Minimum
$86
per month
card cover
Earl (23 years old)
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
locationKeansburg, NJ
$227
per month
card cover
Lou (23 years old)
coverageCoverage
State Minimum
carLexus ES 300
$83
per month
Mercury offers decent rates for
senior drivers
over the age of 55.
card cover
Don (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$183
per month
card cover
Ann (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$424
per month
card cover
Ian (70 years old)
coverageCoverage
State Minimum
$105
per month
card cover
Austin (71 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$144
per month
card cover
Martha (70 years old)
coverageCoverage
State Minimum
$117
per month

Mercury quotes for drivers 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. 
Even minor traffic offenses, like speeding, could lead to a rate increase. Some actual drivers who spoke with Jerry about their Mercury experiences are quoted below.
Accident TypePremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
$190
Bill, 28
Zip: 24540
Hyundai Tucson Limited
• State Minimum Liability
• Comp / Collision
Speeding 6-10
$97
Isabel, 30
Zip: 20170
Infiniti G35
• State Minimum Liability
Speeding 11-15
$336
Aaron, 25
Zip: 08701
Dodge Charger Scat Pack
• 15,000/30,000 Liability
• Comp / Collision
Speeding 16-20
$166
Etta, 27
Zip: 23669
Nissan Altima 2.5
• 30,000/60,000 Liability
• Comp / Collision
Speeding 21+
$185
Nell, 46
Zip: 32209
Chevrolet Camaro LS
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 17, 2024
Although insurance premiums may increase after a DUI conviction, Mercury offers some of the more competitive options on the market.
card cover
Nora (37 years old)
DUI
coverageCoverage
State Minimum
carMazda MX-5 Miata Grand Touring
$89
per month
card cover
Dorothy (27 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationHot Springs, VA
$88
per month
card cover
Mina (39 years old)
DUI
coverageCoverage
State Minimum
$352
per month
card cover
Juan (33 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$119
per month
card cover
Fannie (38 years old)
DUI
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
locationSouth Bound Brook, NJ
$171
per month
After an at-fault accident, your insurance premiums can rise upon renewal—even with State Auto.
Accident TypePremium (monthly)CustomerCarInsurance Coverage
At Fault With Injury
$85
Lillian, 46
Zip: 30068
Acura 3.2TL Type-S
• State Minimum Liability
At Fault With Injury
$321
Shawn, 31
Zip: 30080
KIA RIO LX
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
$136
Clifford, 33
Zip: 30281
Dodge Avenger SE
• 50,000/100,000 Liability
At Fault With Injury
$437
Stephen, 33
Zip: 30331
Lexus NX 200T
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
$145
Shane, 39
Zip: 33850
Pontiac Vibe
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 19, 2024
After an accident, your Mercury insurance premiums will likely increase when it is time to renew your policy.
ViolationPremium (monthly)CustomerCar
Careless Driving
$145
Ford Focus SE
Cell Phone
$211
Volkswagen Passat SEL
Illegal Turn
$297
Chevrolet Cruze LT
Leaving scene of an Accident/Hit and Run
$125
Volkswagen Jetta TDI
Defective Equipment
$167
Chevrolet Cruze LS
coverageLast Updated Mar 18, 2024

FAQs

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—details about the scene of the accident, insurance, license, and contact information of the other driver(s), and any police report from the incident. 
When you're ready to make repairs, Mercury will provide you with a list of preferred body shops.
Through surveys conducted by Jerry, only a small percentage of respondents expressed dissatisfaction with Mercury's 30-day claims handling process.
Mercury offers car insurance coverage in eleven states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.
Yes. According to Jerry's survey of more than 400 actual Mercury policyholders, the company received an average rating of 4.3 out of 5.

Read all Mercury Car Insurance Reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.