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finder.com's rating: 4 / 5
★★★★★
Included free
Roadside assistance
New car protection
Accident forgiveness
States served | Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, Virginia |
---|---|
Roadside assistance | Included free |
Accident forgiveness | No |
New car protection | Yes |
Pay schedule | 12 months |
Claims methods | phone |
Rideshare coverage | Yes |
SR-22 support |
Yes |
Anti-theft device discount | Yes |
---|---|
Bundling discount | Yes |
Defensive driving discount | No |
Good student discount | Yes |
Loyalty discount | Yes |
Homeowner discount | Yes |
Military discount | No |
Safety device discount | Yes |
Special employment discount | Yes |
Usage-based discount | No |
Review by
Roslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.
Mercury has standard policies available for every driver, even if you have prior accidents on record. You can get all the standard coverage from Mercury, plus nice extras like roadside assistance, rideshare and rental car coverage. Its huge network of independent agents offer a personalized experience, but your experience will depend on your agent.
While Mercury may accept less-than-perfect records, your rates can cost a lot without discounts. It could be worth getting a quote from Mercury if you can’t qualify for big brand insurers or if high-risk companies charge too much.
However, the company doesn’t have the best customer service. So compare your options to make sure you’re finding the best fit for you.
You can start a quote online and purchase your policy through an agent or handle the entire process by calling in. How to apply:
By phone. You can reach an agent at 800-956-3728.
In person. Mercury’s claim to fame is personalized service through a network of independent agents. If you’d prefer to apply in person, you can use the agent locator tool on the website to find the nearest one.
Online
Follow these steps when starting your application online:
Regardless of how you choose to apply, you can speed up the process with the following information on hand:
Mercury offers a number of discounts on its auto insurance policies that keep prices competitive and provides incentives for safe driving. The discounts available:
Mercury offers the standard coverage you need to get on the road:
Mercury Insurance holds an A+ rating with the Better Business Bureau, as of October 2020. Despite its positive business ratings, it sees an above-average number of customer complaints. Customers express frustration with billing issues, denied claims, payouts and more.
Mercury’s complaints for private car insurance is rated at 1.29, according to the 2019 National Association of Insurance Commissioners (NAIC) complaint index. A 1.29 is the median complaint rating for the industry based on a company’s size.
But keep in mind the reviews may lean negative since satisfied customers may forget to leave a review. Many people only take the time to post a review when they have either an excellent or poor experience. Most customers won’t leave online reviews if service is as expected.
CA | NY | |
---|---|---|
18 year old male | $1,680 | $5,612 |
18 year old female | $1,470 | $5,612 |
25 year old male | $874 | $4,089 |
25 year old female | $894 | $4,089 |
35 year old male | $768 | $4,418 |
35 year old female | $802 | $4,418 |
45 year old male | $772 | $4,735 |
45 year old female | $794 | $4,735 |
56 year old male | $830 | $4,040 |
56 year old female | $874 | $4,040 |
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our insurance team analyzes car insurance providers to help you choose the best car insurance for you. We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.