We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias.
But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
Jing Jun Ma is an innovations expert at Finder. With a decade of experience in digital marketing and programming, Jing is a tech and data guy. He wrangles data to make it useful for consumers facing a decision.
Mercury car insurance rates
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
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
Single
Good credit
Sedan
State minimum
Currently insured
Where is Mercury auto insurance available?
Mercury auto insurance is available in 11 states across the country. If you live in any of the following states, you may want to consider Mercury auto insurance coverage.
Arizona
California
Florida
Georgia
Illinois
Nevada
New Jersey
New York
Oklahoma
Texas
Virginia
What auto insurance coverage does Mercury offer?
Liability (Bodily injury). Pays for injuries to other people when the insured vehicle’s driver is legally at fault.
Liability (Property damage). Pays for damage to third party property caused by your vehicle.
Comprehensive. Provides protection from incidents that are out of your control. While it doesn’t cover damage from collisions, you’ll be protected from things like theft, vandalism, severe weather, and so on.
Medical payments. If you or a passenger is injured in a car accident, this coverage will help cover medical bills — regardless of who’s at fault.
Personal injury protection. Helps pay for medical and rehabilitation expenses, work loss, funeral costs and even replacement services.
Uninsured or underinsured motorists. When the driver at fault for your accident doesn’t have insurance — or enough of it — to cover your medical bills and damages, this coverage kicks in.
SR-22. An SR-22 is often required after DUIs, license suspensions, multiple motor vehicle infractions, or other severe driving offenses. Mercury should be able to help you file for SR-22 insurance.
Discounts on Mercury car insurance
Mercury offers a number of discounts on its auto insurance policies that keep prices competitive and provide incentives for being a safe driver. Here are a few of the many available discounts:
Anti-theft devices. Receive better rates when your vehicle is equipped with anti-theft features.
Good driver discount. Get discounted rates when you maintain a clean driving record.
Good student discount. Students who maintain a “B” average or better can get better rates.
Multi-car discount. Receive discounted rates when you insure more than one vehicle under the same policy.
Multi-policy discount. Receive better rates when you have multiple types of insurance with Mercury.
Association discounts. Members of certain associations can get discounts on Mercury’s insurance products.
Paid in full. Receive a discount for paying your policy premiums in a single, lump-sum payment.
RealDrive. Receive a discount for signing up for the program and even better rates when you verify your mileage.
Pros and cons of Mercury auto insurance
Pros
Highly rated. A.M. Best rates Mercury an A. With more than $4 billion in written premiums, Mercury can protect you and your assets.
Multiple discounts. Get lower rates for a good driving record, good grades and anti-theft devices, among other categories.
Bad driving history OK. Although rates may be a bit higher, Mercury accepts riskier drivers that other insurance companies might not take on. If you’ve had a hard time getting insurance, it could be a good fit.
Personalized service. Mercury strives to provide personalized service through a network of over 8,000 independent agents.
Cons
Poor customer service. Customers often complain that independent agents lack follow-through when it comes to car accidents and even general account questions. This could be a bit problematic coming from a company that is best known for personalized service.
Potentially high rates. While cheaper than many other insurers, Mercury can be expensive — especially if you have a history of accidents.
Unclear website. At first glance, Mercury’s website is responsive and convenient, it doesn’t do a great job at presenting important information. Customers may have difficulty finding details on available policies, discounts, special programs, and more.
No online claims or applications. Unfortunately, Mercury doesn’t allow you to apply for coverage or even file a claim online. Although Mercury’s personalized approach to auto insurance is refreshing, it takes away from the convenience of an online platform.
Compare alternatives to Mercury Insurance
What do customers say about Mercury car insurance?
Mercury Insurance Group is not accredited on the official BBB website, but it does hold an “A+” rating and a composite score of 3.75 out of 5 possible stars. Despite its positive ratings, there are a number of complaints and negative reviews. Customers express frustration with billing issues, denied claims, payouts, and more.
When doing research on customer reviews, you should always keep in mind that they may be biased. Many people will only take the time to post a review or complaint when their experience is either very good or very bad. Most customers won’t bother to leave online reviews if service is as expected, which is why negative reviews often outweigh positive ones.
How to apply for Mercury car insurance
Unfortunately, you won’t be able to apply for coverage with Mercury Insurance online. Instead, you’ll need to get a quote online and purchase your policy through an agent or handle the entire process by calling in. By phone. If you’d rather 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 agent.
Online
Visit the Mercury Insurance website, enter your zip code, then click “Get a quote”
Enter your personal information including name, address, and so on. Click “Save and continue”.
Enter your vehicle details or VIN, add vehicle then click “Save and continue”.
Add driver details, then click “Save and continue”.
Enter any additional details and previous insurance information, then click “Save and continue”.
Review all details, and if you’re satisfied with your quote, click “Submit to agent”. An agent should reach out to finalize your quote.
What do I need to apply?
Regardless of how you choose to apply for coverage, you can speed up the process by having the following information on hand:
Name and date of birth
Social Security Number
Residential address
Vehicle information, including estimated annual mileage
Prior insurance
Claim and credit history
Education history and employment status
How to file an auto insurance claim with Mercury
In order to file an auto insurance claim with Mercury, you’ll need to contact an agent by phone to get started. You can file claims 24 hours a day, seven days a week by calling the claims hotline at (800) 503-3724.
How to contact Mercury Insurance
You can contact Mercury insurance by phone or in person. Visit the “Contact us” page on the Mercury Insurance website for more details on specific phone numbers and ways to contact your agent.
Bottom line
Mercury Insurance has something for everyone — even if you’ve had prior accidents. It’s vast network of employees and independent agents offer a personalized experience, but keep an eye out for spotty customer service.
As with any major financial decision, don’t forget to compare your options before choosing your coverage and provider.
Frequently asked questions about Mercury car insurance
To determine how much you’ll pay for your insurance, Mercury considers:
The make and model of the car you drive.
Your age and driving experience.
Where you live.
How often you use your vehicle.
The number of vehicles and drivers in your household.
Your claims history and driving record.
Yes, the Mercury Assist mobile app allows you to access all of your insurance information — even pay your bills or view your ID cards.
No. Mercury doesn’t allow customers to file claims online. Instead, you’ll need to contact the claims department which is available 24/7.
To take advantage of Mercury’s discounts, you should maintain a good driving record, use Mercury for more than one vehicle, install anti-theft devices and maintain good grades in school.
Unfortunately not. You can get start your application by getting a quote online, but in order to actually get coverage, you’ll need to speak with an agent.
Car insurance ratings
★★★★★ — 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.
To take advantage of Mercury’s discounts, you should maintain a good driving record, use Mercury for more than one vehicle, install anti-theft devices and maintain good grades in school.
As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice. I suggest that you contact them directly regarding the Mature Driver Discount.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Advertiser Disclosure
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
