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.

Jump to:

Mercury Car Insurance Reviews

Mercury Pros and Cons

Compare Mercury Quotes

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:

Criteria	Mercury's Rating	Industry 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:

Pros

More affordable rates overall

Best rates for drivers with violations

Mechanical breakdown coverage

Affordable teen rates

Cons

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:

Drivers located in

California

Drivers looking for the most affordable rates

Drivers looking to

bundle their auto insurance with homeowners insurance

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:

Age

Gender

Driving record

ZIP code

Insurance history

Driving experience

Type and

amount of coverage

Make, model, and year of vehicle

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:

MORE:

The average cost of car insurance in 2023

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)	Customer	Car	Insurance Coverage
$221	Darrell, 28 Dallas, TX	Chevrolet Malibu LT	• State Minimum Liability • Comp / Collision
$111	Roy, 53 Valdosta, GA	Mercury Sable Premier	• 50,000/100,000 Liability • Comp / Collision
$172	Ian, 30 Gainesville, GA	Nissan Juke S	• 50,000/100,000 Liability • Comp / Collision
$66	Vincent, 40 Sapulpa, OK	Chrysler 300 Touring	• State Minimum Liability
$64	Sara, 44 Marion, VA	Nissan Rogue S	• 30,000/60,000 Liability • Comp / Collision

Last Updated Nov 22, 2024

Compare car insurance quotes now

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

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

Umbrella 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.

Mercury

Dorothy (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Norfolk, VA

Hyundai Genesis Coupe 2.0T

$244

per month

Mercury

Franklin (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

San Antonio, TX

Honda Civic LX

$76

per month

Mercury

Lizzie (23 years old)

Coverage

State Minimum

Bealeton, VA

Toyota Corolla

$127

per month

Mercury

Connor (22 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Galveston, TX

Chevrolet Spark LS

$156

per month

Mercury

Travis (24 years old)

Coverage

State Minimum

Orlando, FL

Toyota Corolla

$122

per month

Mercury offers decent rates for

senior drivers

over the age of 55.

Mercury

Pearl (69 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Roswell, GA

Dodge Journey SE

$91

per month

Mercury

Isabel (72 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Lilburn, GA

Honda Pilot EXL

$138

per month

Mercury

Nettie (80 years old)

Coverage

State Minimum

Port Arthur, TX

Acura MDX Technology

$110

per month

Mercury

Irene (82 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Deland, FL

Honda CR-V SE

$191

per month

Mercury

Dale (70 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Cape Coral, FL

Ford Escape SE

$136

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 Type	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	$196	Bessie, 31 Zip: 89448	Toyota 4runner SR5	• State Minimum Liability
Speeding 6-10	$128	Edith, 32 Zip: 76541	Mitsubishi Lancer Evolution GSR	• State Minimum Liability
Speeding 11-15	$122	Edward, 30 Zip: 85023	Nissan Versa S	• State Minimum Liability • Comp / Collision
Speeding 16-20	$114	Susan, 43 Zip: 20109	Ford Fusion SE	• 30,000/60,000 Liability • Comp / Collision
Speeding 21+	$229	Shawn, 47 Zip: 32601	Cadillac ATS	• State Minimum Liability • Comp / Collision

Last Updated Nov 20, 2024

Although insurance premiums may increase after a DUI conviction, Mercury offers some of the more competitive options on the market.

Mercury

Manuel (43 years old)

DUI

Coverage

State Minimum

Zebulon, GA

Saturn VUE

$76

per month

Mercury

Hulda (30 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Avondale, AZ

Chevrolet Volt

$153

per month

Mercury

Louis (33 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Fredericksburg, VA

Hyundai Sonata SE

$125

per month

Mercury

Mario (28 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Goshen, VA

GMC Terrain SLE

$115

per month

Mercury

Wesley (31 years old)

DUI

Coverage

State Minimum

Phoenix, AZ

Toyota Corolla

$215

per month

After an at-fault accident, your insurance premiums can rise upon renewal—even with State Auto.

Accident Type	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With Injury	$118	Eugene, 38 Zip: 30134	Chrysler PT Cruiser	• State Minimum Liability
At Fault With Injury	$297	Mae, 39 Zip: 30134	Nissan Altima	• 50,000/100,000 Liability • Comp / Collision
At Fault With Injury	$281	Lela, 46 Zip: 13501	Toyota Venza LE	• 100,000/300,000 Liability • Comp / Collision
At Fault With Injury	$104	Jack, 32 Zip: 75248	Toyota Camry CE	• 50,000/100,000 Liability • Comp / Collision
At Fault With Injury	$104	Maggie, 29 Zip: 31023	Toyota Celica GT	• State Minimum Liability

Last Updated Nov 22, 2024

After an accident, your Mercury insurance premiums will likely increase when it is time to renew your policy.

Violation	Premium (monthly)	Customer	Car
Careless Driving	$155	Dean, 27 Adrian, GA	Jeep Cherokee Latitude Plus
Cell Phone	$359	Matilda, 28 Stone Mountain, GA	Nissan Altima 2.5
Illegal Turn	$179	Jonathan, 26 Sarasota, FL	Toyota Corolla LE
Leaving scene of an Accident/Hit and Run	$86	Myrtie, 51 Cross Junction, VA	Volkswagen Jetta TDI
Defective Equipment	$251	Emma, 24 Orlando, FL	Hyundai Accent SE

Last Updated Nov 26, 2024

FAQs

How to file a claim with Mercury?

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.

How good is Mercury at paying claims?

Through surveys conducted by Jerry, only a small percentage of respondents expressed dissatisfaction with Mercury's 30-day claims handling process.

Where is Mercury car insurance available?

Mercury offers car insurance coverage in eleven states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.

Does Mercury have good reviews?

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

R.E. Fulton

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.

Lina Zhang

Licensed Insurance Agent

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.

Josh Damico

Head Of Insurance Operations

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.