Mercury Auto Insurance Review: Affordable Coverage That Comes at a Price

Mercury Auto Insurance offers very affordable premiums, but they come at the expense of poor customer service. This Mercury Auto Insurance review provides more insight to help consumers decide if this company is right for their coverage.

Mercury is much less expensive than competitors for almost all drivers. Premiums are hundreds of dollars cheaper for most motorists, and thousands cheaper than average for some, including young drivers and those with a DUI history.

Cost comparison

The table below shows Mercury's low costs relative to the national average rate.

Mercury offers a number of discounts standard within the auto insurance industry including for anti-theft features and multi-policy bundling. It also offers some unique savings opportunities, including reduced premiums for e-signing paperwork.

• Anti-theft features
• Auto pay
• E-signature
• Good driver
• Good student
• Multi-car
• Multi-policy
• Pay in full

Mercury's coverage is comprehensive. Many types of policies are available.

Policy types

• Auto Insurance
• Business Auto
• Mechanical Protection

Mercury offers certain types of policies some competitors don't, such as mechanical breakdown protection. This pays some of the bills when a covered vehicle breaks down.

Coverage types

• Collision
• Comprehensive
• Liability
• Medical payments
• Personal injury protection (PIP)
• Rental car
• Ride-hailing insurance
• Roadside assistance
• Uninsured/Underinsured

Mercury offers the standard types of coverage most insurers provide, including liability and collision coverage as well as roadside assistance and more. It also provides coverage for rideshare drivers. Its "Ride-Hailing Insurance," as the company calls it, provides necessary protection for this kind of commercial use for as little as $0.90 per day in premium costs.

Mercury received below-average rankings on J.D. Power's 2023 Overall Customer Satisfaction Index. The average number of complaints received by the National Association of Insurance Commissioners was also significantly above average for Mercury.

A D rating with the Better Business Bureau and a score of 1.1 out of a possible 5 stars from over 100 consumer reviews on the BBB site also suggests serious customer service issues.

• Business insurance
• Condo
• Home
• Landlord
• Renters
• Umbrella

Mercury offers many other insurance products, providing ample opportunity for bundling coverage.

When looking for an auto insurer that offers better customer service: State Farm is known for top-notch customer support. However, premiums may be higher with State Farm for many drivers.

When looking for an auto insurer that offers coverage in more states: Progressive offers coverage to people in more places than Mercury Auto Insurance. But keep in mind, policies may be more expensive, especially for younger drivers.

Mercury Auto Insurance might be best suited for people who:

• Prioritize low price
• Are OK with substandard customer service
• Live in one of the states where Mercury is available

Mercury is undoubtedly a very inexpensive option for price-conscious drivers, but the high number of consumer complaints and poor reviews suggest the insurer may make managing a policy and resolving claims a stressful process.

At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.