Mercury Auto Insurance Review: Should you buy in 2026?

If you’re searching for the best car insurance company in your area, you may want to consider Mercury Insurance. Mercury auto insurance offers standard coverages and add-on options, as well as opportunities for discounts to save money on premiums.

Unfortunately, Mercury is only available in 11 states, and the company has its fair share of customer complaints. Still, you may find that rates with Mercury are competitive in your area, and the coverage could work well for your needs

What types of coverage does Mercury offer?

Mercury Insurance Company offers the following options for car insurance coverage:

• Collision. This coverage pays for damages in the event of an accident.
• Comprehensive. This coverage pays for damages that result from non-accident-related incidents, such as theft or acts of god.
• Liability. This coverage offers legal protection if you’re found at fault in an accident.
• Rental car. This will cover the costs of a rental car if you need one because your car is in the shop.
• Uninsured/underinsured motorist. This will help pay for damages caused to your vehicle by someone who is uninsured or does not carry enough insurance coverage.
• Rideshare. Rideshare insurance allows you to stay covered if you’re driving for your rideshare job, like Uber or Lyft.
• Medical payments. This coverage pays for medical debts associated with a car accident.
• Mechanical protection. This covers unexpected repairs you need to make to your vehicle.
• Roadside assistance. Roadside assistance covers towing, tire services, jump starts, and more.

Some insurance companies do not offer coverage for rideshare vehicles, but Mercury car insurance does. So if you drive for a company like Uber or Lyft, Mercury may work great for you.

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How much is Mercury car insurance?

You will have to obtain a Mercury Insurance quote to know how much you will pay for auto insurance coverage with the company. Since everyone’s rates are determined based on several factors, you’ll never know what you’ll pay for a Mercury policy until you get a quote.

Still, the average rates for car insurance with Mercury are often higher than the national average and some well-known insurance providers, like Geico and USAA.

Teen Driver Rates With Mercury

Teen drivers often pay the most of any demographic for car insurance. For example, teen rates with Mercury are well over the national average, with females paying around 35% more and males paying 27% more.

Mercury rates are also more than double USAA’s rates for teen drivers.

Mercury Adult Driver Rates

When people turn 25, they often find their car insurance becomes less expensive. But young adults pay around 6% more for coverage with Mercury than the national average. Additionally, young adults may get a policy with USAA for nearly $1,000 less per year.

Adults pay 5% to 7% more for Mercury coverage than the national average.

And adults can pay half as much for a policy with USAA.

Mercury Rates for Senior Drivers

Mercury rates for senior drivers are higher than rates with many other companies.

Seniors can pay $600 less per year for coverage with Geico.

Mercury Rates After a Speeding Ticket

People with speeding tickets on their records pay around $500 more than the national average for Mercury car insurance.

State Farm offers coverage for people with speeding tickets for nearly $1,000 less annually.

Mercury Rates After an Accident

Mercury rates for people after an accident are around 28% higher than the national average.

These rates are also around $1,200 more per year than similar coverage with State Farm.

Mercury Rates After a DUI

A DUI on your record will raise your insurance rates, but Mercury coverage is only around 2% higher than the national average.

Average Monthly Rates for the Top Insurance Companies for Drivers with a DUI

Still, State Farm offers coverage that is around $950 less per year.

Mercury Rates for Drivers With Poor Credit

Unfortunately, a low credit score can impact your car insurance rates. Still, coverage with Mercury is around 7% higher than the national average.

Rates with Mercury are around $1,100 more yearly than those with Geico.

Liability-Only vs. Full Coverage Rates With Mercury

A liability-only policy with Mercury can cost up to 22% more than the national average. Paying for full coverage with Mercury could mean you pay 27% more than the national average.

Full coverage rates with Mercury are nearly double those with USAA. Liability rates with Mercury are around $700 more per year than rates with Geico.

Does Mercury offer coverage discounts?

Mercury does offer several discounts on coverage, such as:

• Multi-vehicle
• Multi-policy
• Safety devices
• Auto-pay
• Good grades
• Safe driving
• Paid-in-full
• Mercury RealDrive
• Mercury Go

Discounts can help you save as much as 20% on coverage, so it’s a good idea to speak with a Mercury representative to see if you could save money.

What is Mercury RealDrive?

Individuals can save 5% on their policies by signing up for RealDrive, which tracks the number of miles they drive. If people drive less, they may also be entitled to cheaper rates for coverage with Mercury.

What is Mercury Go?

Mercury Go is the company’s usage-based discount opportunity. Mercury Go tracks a person’s driving habits, like speed, braking, and time of day, and allows people to save money for safe driving techniques.

Is Mercury insurance good?

Mercury Casualty Company has an A (Excellent) financial strength rating with A.M. Best and a stable outlook for future endeavors. According to the National Association of Insurance Commissioners, its complaint ratio is .71 lower than the industry ratio of 1.0, so Mercury does not have as many complaints as other companies of its size.

Still, according to the 2020 J.D. Power U.S. Auto Claims Satisfaction Study, policyholders are not satisfied with Mercury’s customer service.

If you’re considering purchasing a policy with Mercury, you should read customer reviews beforehand. Doing so will help you understand what policyholders have to say about how claims are handled with Mercury.

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What are the pros and cons of a Mercury auto insurance policy?

Some of the benefits of a car insurance policy with Mercury include:

• Rideshare coverage options
• Discounts on coverage
• Additional insurance options for bundling policies
• Roadside assistance coverage

Still, there are some downsides to purchasing Mercury car insurance, like:

• A high number of customer complaints
• Not a lot of options to customize coverage
• High coverage rates when compared to other well-known companies

Depending on what you’re looking for, auto insurance with Mercury could work for you, but you should still compare rates with other providers to make sure you get the best policy for yourself and your family.

Mercury Auto Insurance: The Bottom Line

Mercury offers the type of coverage you’d expect with any car insurance company, and customers can save money by utilizing discounts. In addition, rideshare coverage and roadside assistance options could help customers specialize their policies to work for them.

Mercury rates are higher than rates with many well-known names in insurance, and customers say the company’s customer service needs improvement.

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