Our take
Mercury may offer affordable coverage but lacks unique coverage add-ons and discounts. The insurer is available in a limited number of states.
Pros:
- Good financial strength rating.
- Relatively wide variety of discounts and optional coverages.
Cons:
- Only available in 11 states.
- Low claims satisfaction score from J.D. Power.
- Lacks unique discounts and optional coverages.
Mercury car insurance review
Jerry did not give Mercury a star rating due to a lack of available data. Each year, Jerry revises its rating system and may rate this insurer in the future.
Mercury provides somewhat customizable insurance and offers discounts that may benefit drivers with good habits. The insurer received overall positive ratings from Jerry customers and is rated as financially strong by AM Best, however, Mercury has a higher-than-average complaint index and a low claims satisfaction rating from J.D. Power.
Mercury car insurance is available in 11 states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia. Consumers can get a policy online, over the phone or via a local agent.
Who is Mercury best for?
Mercury may provide affordable coverage for consumers in the few states where the insurer operates. The company’s discounts and telematics program may be ideal for drivers with a clean record who maintain good driving habits.
Because insurers’ policy options and pricing can vary, it’s a good idea to get quotes from multiple companies to find your ideal coverage at the most affordable rate.
How much does Mercury car insurance cost?
The average cost for state minimum car insurance coverage with Mercury is much cheaper than the national average, according to aggregate data collected from over 400,000 policies quoted to real customers via Jerry in 2024 from 24 different insurance companies.
Your premium is determined by a number of factors, including your age, location, the type and age of vehicle you drive, your driving record, other drivers on your policy, the amount of coverage you require, and your deductible.
Mercury car insurance discounts
Mercury has a shorter list of discounts than some of its competitors and isn’t as specific about how to qualify for some of them. Here’s how the insurer says you could lower your premium:
- Have anti-theft features on your vehicle.
- Set up automatic bill payments.
- Electronically sign your documents.
- Go a period without an accident or citation; the company doesn’t specify how long.
- Insure a “good student” with a GPA of at least 3.0.
- Have multiple vehicles on your policy.
- Bundle your auto and a home, condo or renters insurance policy with Mercury.
- Pay your full premium up front.
Does Mercury offer insurance based on driving behavior?
Yes. The MercuryGO app gives drivers skill scores and real-time feedback while they drive. Policyholders get a discount for signing up. Here are the behaviors it monitors:
- Braking and acceleration.
- Speed.
- Corner speed.
- Phone handling while driving.
When it’s time to renew your policy, the app will consider your scores from the last 91 days to evaluate whether you’ll receive an additional discount.
This program is available in Arizona, Florida, Georgia, Illinois, Nevada, New Jersey, Oklahoma, Texas and Virginia.
Mercury car insurance coverage options
Like most insurers, Mercury offers collision, comprehensive, liability for bodily injury, liability for property damage, medical expense, personal injury protection and uninsured/underinsured motorist.
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Coverage definitions
The insurer also offers the following optional coverages:
- Roadside assistance covers calls for help if your car becomes disabled while you’re away from home and you need a tire change, fuel delivery, locksmith or tow.
- Custom equipment coverage pays for damages to upgrades you make after purchasing the vehicle, such as a custom infotainment system.
- Rental car reimbursement provides a rental car while your vehicle is being repaired.
- Rideshare coverage covers those who work for ride-hailing and delivery services during the time between requests, when they’re waiting for an assignment. The company says this could cost as little as $0.90 per day.
- Gap insurance pays the difference between what you owe on a financed vehicle and its current value if it’s totaled.
Mercury’s selection of add-ons is helpful but not necessarily unique. Other major insurers offer most of these coverages.
Industry ratings of Mercury car insurance
Mercury has received mixed reviews in industry reports. It has gotten slightly more than its share of consumer complaints and fared poorly in J.D. Power’s auto claims satisfaction survey, but did about average with the CRASH Network and AM Best.
| Rating | Mercury’s score |
| CRASH Network report card | D+. |
| J.D. Power auto claims satisfaction study | No. 21 of 21. |
| AM Best | A. |
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CRASH Network details
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J.D. Power details
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AM Best details
Customer reviews of Mercury
Hundreds of Jerry customers have used and reviewed Mercury’s auto insurance and have given the company a relatively good overall score.
How to contact Mercury
Mercury recommends customers log in to their account to make payments or review their policy documents. Policyholders can also view coverage details on the Mercury mobile app. The insurer’s website allows customers to communicate with its chatbot or fill out a contact form.
You can find contact information for Mercury at on its website (https://www.mercuryinsurance.com/contact.html). The number for the claims department is 800-503-3724.
FAQ
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Does Mercury car insurance cover rentals?
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How can I get a car insurance quote with Mercury?
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Does Mercury car insurance cover windshield damage?
Methodology
We looked at over 400,000 actual policies quoted for real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.
How we rate car insurance companies
Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.
We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.
These individual factors roll up into one weighting system as follows:
20% Financial strength
20% Complaints
20% Industry ratings
20% Customer ratings
20% Cost and discounts
