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This auto insurer is a good fit for: Drivers focused on saving money, even at the expense of top-notch customer service.
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.
Monthly premium costs:
Coverage options:
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.
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.
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.
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.
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.
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 |
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.
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.
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.
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.
Mercury Auto Insurance is well suited for people who:
Our Insurance Expert
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