Review
Updated
This auto insurer is a good fit for: Drivers focused on saving money, even at the expense of top-notch customer service.
Drivers who want to save moneyMercury Auto Insurance
Rating image, 3.00 out of 5 stars.
3.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Poor
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= Fair = PoorMercury Auto Insurance Snapshot
Pricing
Mercury Auto Insurance offers competitive pricing, even compared with other affordable insurers. That's especially true for those with a recent accident on their record.
Discounts
Mercury Auto Insurance offers a comprehensive array of discounts, including for anti-theft features, good drivers, and paying in full. Many of the discounts it offers are standard across much of the industry. However, its RealDrive program is unique in that pricing is directly based on verified miles driven.
Perks
Mercury Auto Insurance offers affordable pricing and the chance to reduce premium costs even further by earning discounts. A large network of independent agents can also offer in-person support to those who need it.
Customer service
Mercury Auto Insurance's customer ratings are below average for both the insurance shopping experience and claims handling. Those who prioritize top-notch service over low premiums may be disappointed.
Full Mercury Auto Insurance review
Pros
- Affordable premiums
- Many discounts available
- Large agent network
Cons
- Below average J.D. Power rankings
- Available in a limited number of states
Mercury Auto Insurance at a glance
Monthly premium costs:
- 35-year-old female with clean driving record: $136.24
- 35-year-old male with clean driving record: $123.50
- 35-year-old female with one accident: $191.83
- 18-year-old-male with clean driving record: $180.17
Coverage options:
- Liability
- Collision
- Comprehensive
- Medical payments
- Personal injury protection
- Uninsured/Underinsured
- Rental car
- Roadside assistance
- Rideshare insurance
Top perks
Affordable premiums
Mercury Auto Insurance is more affordable than many competitors. This is true both for motorists with a clean record and for those who have an accident history. On top of its low premiums, the company also offers additional opportunities to earn discounts. Price conscious consumers will appreciate the insurer's affordability.
In-person support
More than 9,400 independent agents sell Mercury Auto Insurance policies. For those looking for in-person help in obtaining coverage, Mercury Auto Insurance makes it available -- unlike some competitors that offer online or phone assistance only.
What could be improved
Better customer service
Mercury Auto Insurance's customer service ratings are below average on J.D. Power studies. It is also not possible to file a claim online with Mercury Auto Insurance. Many competitors provide the option to file claims digitally. This adds more hassle to an already stressful situation after a crash.
Wider availability
Mercury Auto Insurance is available only in a limited number of states, including Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia. Other insurers have far broader coverage across the U.S.
Alternatives to consider
2024 Award Winner
Best for bundling coverageState Farm
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
2024 Award Winner
Best for coverage options and discountsProgressive
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
![]()
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![]()
![]()
![]()
= Best
![]()
![]()
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![]()
= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
When looking for an auto insurer who 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 who 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.
Monthly premium costs
To get an idea of what kind of car insurance premiums Mercury Auto Insurance charges, take a look at the below quotes based on a handful of driver profiles.
| 35y, female, clean record | 35y, male, clean record | 35y, female, one accident | 18y, male, clean record |
|---|---|---|---|
| $136.24 | $123.50 | $191.83 | $180.17 |
Data source: [insurance slug=mercury-auto-insurance field=offer_name].
Discounts available
Mercury Auto Insurance offers many discounts for drivers, some of which are standard in the industry. However, its RealDrive program is unique. It offers drivers an automatic 5% discount for signing up, and it enables pricing that's directly based on miles driven.
Here are the discounts Mercury Auto Insurance offers.
- Anti-theft features
- Auto pay
- E-signature
- Good driver
- Good student
- Multi-car
- Multi-policy
- Pay in full
Coverage options
Policy types
- Auto
- Home
- Condo
- Renters
- Landlord
- Umbrella
- Mechanical protection
- Business auto
- Business insurance
Mercury Auto Insurance has many types of policies available so there are plenty of options for bundling coverage. It even 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
- Liability
- Collision
- Comprehensive
- Medical payments
- Personal Injury Protection
- Uninsured/Underinsured
- Rental car
- Roadside assistance
- Rideshare insurance
Mercury Auto Insurance 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 when the ride-hailing app is on for as little as $0.90 per day in premium costs.
Customer service and ratings
Mercury Auto Insurance scored below the national average on J.D. Power's 2020 Auto Claims Satisfaction Study. It also scored below average on J.D. Power's 2021 insurance shopping satisfaction study. However, the app received 4.8 stars on the iOS store, and the app offers one-touch access to customer service.
This auto insurer is best for:
Mercury Auto Insurance is well suited for people who:
- Want low premiums
- Live in one of 11 states where coverage is available
- Prioritize price over responsive customer service
Our Insurance Expert
Christy Bieber is a full-time personal finance and legal writer with more than a decade of experience. She has a JD from UCLA as well as a degree in English, Media and Communications with a Certificate in Business Management from the University of Rochester. In addition to writing for The Ascent and The Motley Fool, her work has also been featured regularly on MSN Money, CNBC, and USA Today. She also ghost writes textbooks, serves as a subject matter expert for online course design, and is a former college instructor.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
Christy Bieber has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Target. The Motley Fool recommends Progressive. The Motley Fool has a disclosure policy.