Mercury Car Insurance Review 2022

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If you’re looking to save money on car insurance, you can’t go wrong with Mercury. Jerry drivers who switch to Mercury save an average of $1,070 per year on their car insurance.
Jerry is an AI-based brokerage app that takes all the hard work out of insurance shopping — and all you have to do is fill out a few quick details. Let Jerry do the rest, down to finalizing your new policy and canceling your old policy for you. Get started today, and you can join other Jerry drivers who save an average of $879 per year.
Here’s how much real Jerry drivers have saved by switching to Mercury:
Quote DateCar MakeCar ModelStateCityNameAge
Annual Savings after Switching to Mercury with Jerry
April 26, 2022ToyotaCorolla LEGAAtlantaRobert W.65+$1,200
April 28, 2022FordFlex SEGASenoiaKenneth N.45-54$240
April 28, 2022ToyotaCamry LEVARichmondSam D.25-34$850
April 25, 2022NissanRogue SGAMaconElva O.35-44$456
April 25, 2022ChevroletGmt-400 C1500TXLa-MarqueWilliam B.35-44$448
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Quick Look: Mercury car insurance

Good for
Extremely low-cost coverage
Guaranteed repairs done at any approved shop for life
Simple, straightforward policies

What coverages does Mercury offer?

Mercury is insurance without the frills or fuss. It’s great starter insurance for teenagers and an affordable option for drivers on a budget.
Here’s what you can expect when shopping at Mercury:
Average Monthly Cost for Minimum CoverageAverage Monthly Cost for Full Coverage
$133$208
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Most common coverages

  • Liability insurance: Liability insurance is legally required in most states in order to drive. Liability will pay out for damages caused in an at-fault accident to the other party up to a certain monetary amount.
  • Collision insurance: Collision coverage is not legally required, but may be required by the bank or lending firm handling your auto loan. Collision insurance covers any repairs to your car caused by impact damage by another car or stationary object.
  • Comprehensive coverage Comprehensive coverage covers all manner of incidents that can damage your car, particularly theft and vandalism. Like collision, comprehensive may be required by your lender, but it’s not legally required by state law.
  • Personal injury protection: Personal Injury Protection, otherwise known as “no-fault insurance,” covers medical expenses, rehabilitation costs, and any loss of wages incurred by you or your passengers in an accident.
  • Uninsured/underinsured coverage: Uninsured/underinsured coverage covers your car and any injuries in an accident where you’re not at fault and the other driver is uninsured.
  • Medical payments coverage: MedPay is a partner to personal injury protection coverage. It covers all medical expenses, including x-rays, prosthetics, or even funeral costs should the worst happen. It will also cover you if you’re struck by a car as a pedestrian.

Helpful add-ons

  • Roadside assistance: Also known as towing and labor coverage, roadside assistance will lend a helping hand with towing, flat tires, and battery boosts.
  • Rental reimbursement: Rental reimbursement will cover the cost of a rental if your car is in the shop or totaled.
  • Mercury mechanical protection: This particular option covers major vehicle failures, like transmission issues, that are often extremely costly. This coverage extends to new and used vehicles, up to seven years or 100,000 miles, whichever comes first.
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How much does Mercury auto insurance cost?

Mercury is very affordable when it comes to full coverage options. Their annual full coverage car insurance premium is $2,244. This can vary depending on your driving history, location, and age.
Average Monthly Cost for Minimum CoverageAverage Monthly Cost for Full Coverage
$133$208
Even with an at-fault accident on your record, Mercury carries some of the lowest premiums for full coverage.
Age is a common primary factor in determining the cost of a premium, and with Mercury, it’s no different. Studies have shown that teenagers are more accident-prone than other age groups, so their premiums tend to be higher.
In contrast, older age groups are less accident-prone, meaning their premiums are usually lower. Younger age groups pay an average of $2,554 annually for their insurance, while older groups pay an average of $2,228.
Here’s what Mercury costs over a 12-month period based on your age group:
Age GroupAnnual Cost
Annual Savings after Switching to Mercury with Jerry
18-20$2,942$1,102
21-24$2,621$1,122
25-34$2,053$948
35-44$1,807$845
45-54$1,662$786
55-64$1,568$711
65+$1,760$793
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Who qualifies?

Anyone who lives in a state where Mercury does business is eligible for coverage. Your premium rates will be higher if there is at least one at-fault accident on your driving record.
Here’s the average annual cost of Mercury insurance for drivers with infractions on their record:
Driving InfractionAnnual Cost
Annual Savings after Switching to Mercury with Jerry
Clean Record$1,872$826
Reckless Driving$1,920$5,280
Careless Driving$2,732$1,243
Suspension$2,398$1,501
Wrong Way/Wrong Lane$2,573$1,318
Seat Belt$2,511$1,287
Eluding Police$1,989$1,791
Illegal Turn$2,411$1,322
Driving on Sus. License$2,376$1,320
Speeding over 15$2,449$1,151
Failure to Obey Traffic Sign$2,414$1,131
DUI$2,156$1,337
Defective Equipment$2,269$1,220
Improper Passing$2,350$1,114
Cell Phone$2,338$1,057
Speeding under 15$2,175$1,111
Open Container$2,118$1,119
Leaving scene of an Accident/Hit and Run$1,802$933
Passing School Bus$1,774$831
Racing/Drag Racing$1,973$529
Vehicle Theft$1,204$404
Other$2,406$1,266
Key Takeaway Mercury will insure anyone, but the cost is higher if you have an at-fault accident on your record.
Mercury is exclusive to the following states:
  • Arizona
  • California
  • Florida
  • Georgia
  • Illinois
  • Nevada
  • New Jersey
  • New York
  • Oklahoma
  • Texas
  • Virginia
If you live in a qualified state, you can call on Jerry to help you make the switch! Jerry is a licensed broker that can help you compare and purchase car insurance in less than a few minutes.
Browse your options, take your pick, and Jerry will take care of the rest, including finalizing the paperwork and canceling your old policy.
Here’s the average annual cost of Mercury insurance in each eligible state.
StateAnnual Cost
Annual Savings after Switching to Mercury with Jerry
AL$1,514$979
AZ$1,625$776
CA$1,913$912
CO$2,513$936
CT$2,439$1,745
DC$2,162$94
FL$2,224$882
GA$2,112$1,032
IA$1,198$202
ID$1,588$932
IL$1,518$668
IN$1,979$421
KS$2,434$338
KY$1,332$2,028
LA$1,786$1,095
MA$1,673$319
MD$1,675$1,135
MI$752$244
MO$1,134$210
MS$1,257$1,143
NC$2,664$1,432
NE$1,023$1,173
NJ$2,470$1,123
NM$1,788$1,374
NV$2,098$782
NY$2,637$1,503
OH$1,561$846
OK$1,558$747
OR$3,562$830
PA$2,036$919
RI$2,032$392
SC$2,269$1,110
SD$2,486$994
TN$2,100$435
TX$1,788$746
UT$1,242$210
VA$1,686$964
WA$1,801$527
WI$1,389$875
WV$1,788$821
Key Takeaway Jerry can help you find the best coverage at the most affordable price, regardless of your state.
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Discounts

Mercury offers several discounts on top of their coverage to help drivers save more.
Here are some discounts based on the driver or vehicle that are offered by Mercury:
DiscountDescription
Anti-theft featureInstalling anti-theft features on your car may qualify you for a discount.
Good studentStudents between 16-25 who maintain a “B” average are eligible for lower premiums.
Multi carSave money by insuring multiple cars on the same policy.
Good driverKeeping your record free of accidents for a certain length of time will save you money.
MercuryGoDrivers in Texas can save 50% by allowing Mercury to track their driving habits, including speeding, braking, and accelerating.
Here are some discounts offered by Mercury that are based on policy.
DiscountDescription
AutopaySetting up autopay can save you time and money.
Pay in fullAvoid worrying about your monthly bill and save money by paying your entire premium upfront.
E-signatureSign your paperwork electronically and save money.
Multiple policiesBundle your home and auto insurance and earn a discount for both.
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Additional services

Mercury also offers home insurance that policyholders can bundle with their car insurance for additional savings.
Mercury’s RealDrive program can also help policyholders save money. The RealDrive program tracks the driver’s mileage and rewards them for fewer miles driven over a period of time.
Rideshare drivers will also benefit from Mercury’s Rideshare insurance, which covers any incidents that occur while on the job that conventional car insurance won’t cover.
Mercury offers the following insurance coverage in addition to auto insurance:
*Homeowners / renters / condo *Business *Umbrella *Mechanical breakdown *Landlord

Things to keep in mind

Payment options

Mercury has an app available for keeping your digital ID and information on hand. It will also allow you to pay bills and contact roadside assistance.

Cancelation policy

To cancel your Mercury insurance policy, you must contact an agent directly, whether by email, phone, or in person. Mercury charges a 10% fee for early termination if you still owe on your premium. You cannot cancel online.
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