Mercury may offer affordable coverage but lacks unique coverage add-ons and discounts. The insurer is available in a limited number of states.<\/p>\n\n\n\n
Pros:<\/strong><\/p>\n\n\n\n Cons:<\/strong><\/p>\n\n\n\n Jerry did not give Mercury a star rating due to a lack of available data. Each year, Jerry revises its rating system and may rate this insurer in the future.<\/em><\/p>\n\n\n\n Mercury provides somewhat customizable insurance and offers discounts that may benefit drivers with good habits. The insurer received overall positive ratings from Jerry customers and is rated as financially strong by AM Best, however, Mercury has a higher-than-average complaint index and a low claims satisfaction rating from J.D. Power.<\/p>\n\n\n\n Mercury car insurance is available in 11 states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia. Consumers can get a policy online, over the phone or via a local agent.<\/p>\n\n\n\n Mercury may provide affordable coverage for consumers in the few states where the insurer operates. The company\u2019s discounts and telematics program<\/a> may be ideal for drivers with a clean record who maintain good driving habits.<\/p>\n\n\n\n Because insurers\u2019 policy options and pricing can vary, it\u2019s a good idea to get quotes from multiple companies to find your ideal coverage at the most affordable rate.<\/p>\n\n\n\n The average cost for state minimum car insurance coverage with Mercury is much cheaper than the national average, according to aggregate data collected from over 400,000 policies quoted to real customers via Jerry in 2024 from 24 different insurance companies.<\/p>\n\n\n\n Your premium is determined by a number of factors<\/a>, including your age, location, the type and age of vehicle you drive, your driving record, other drivers on your policy, the amount of coverage you require, and your deductible.<\/p>\n\n\n\n Mercury has a shorter list of discounts than some of its competitors and isn\u2019t as specific about how to qualify for some of them. Here\u2019s how the insurer says you could lower your premium:<\/p>\n\n\n\n Yes. The MercuryGO app gives drivers skill scores and real-time feedback while they drive. Policyholders get a discount for signing up. Here are the behaviors it monitors:<\/p>\n\n\n\n When it\u2019s time to renew your policy, the app will consider your scores from the last 91 days to evaluate whether you\u2019ll receive an additional discount.<\/p>\n\n\n\n This program is available in Arizona, Florida, Georgia, Illinois, Nevada, New Jersey, Oklahoma, Texas and Virginia.<\/p>\n\n\n\n Like most insurers, Mercury offers collision, comprehensive, liability for bodily injury, liability for property damage, medical expense, personal injury protection and uninsured\/underinsured motorist.<\/p>\n\n\n\n The insurer also offers the following optional coverages:<\/p>\n\n\n\n Mercury\u2019s selection of add-ons is helpful but not necessarily unique. Other major insurers offer most of these coverages.<\/p>\n\n\n\n Mercury has received mixed reviews in industry reports. It has gotten slightly more than its share of consumer complaints and fared poorly in J.D. Power\u2019s auto claims satisfaction survey, but did about average with the CRASH Network and AM Best.<\/p>\n\n\n\n CRASH Network, an automotive industry trade publication, gives Mercury a C+ in its 2024 Insurer Report Card. The report card asks more than 1,000 collision repair professionals across the United States \u201chow well an insurer\u2019s claims handling policies, attitude and payment practices ensure quality repairs and customer service for motorists.\u201d<\/p>\n\n\n\n <\/p>\n\n\n\n Mercury is ranked No. 58 out of 88 insurers rated.<\/p>\n\n\n\n
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Mercury car insurance review<\/h2>\n\n\n\n
Who is Mercury best for?<\/h2>\n\n\n\n
How much does Mercury car insurance cost?<\/h2>\n\n\n\n
Mercury car insurance discounts<\/h2>\n\n\n\n
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Does Mercury offer insurance based on driving behavior?<\/h3>\n\n\n\n
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Mercury car insurance coverage options<\/h2>\n\n\n\n
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Coverage<\/th> Definition<\/th><\/tr><\/thead> Collision insurance<\/a><\/td> An optional coverage type that pays to repair or replace your car if it\u2019s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle\u2019s repairs if your policy has collision coverage.<\/td><\/tr> Comprehensive insurance<\/a><\/td> An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.<\/td><\/tr> <\/a>Bodily injury liability (BI)<\/a><\/td> Pays others\u2019 medical costs in an accident you cause, up to your policy limits. It\u2019s mandatory in most states.<\/td><\/tr> <\/a>Property damage liability (PD)<\/a><\/td> Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It\u2019s mandatory in most states.<\/td><\/tr> Personal injury protection (PIP)<\/a><\/td> Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.<\/td><\/tr> Medical payments<\/a><\/td> Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states.<\/td><\/tr> <\/a>Uninsured\/underinsured motorist coverage (UM\/UIM)<\/a><\/td> Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn\u2019t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states.<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n <\/div>\n<\/li>\n<\/ul>\n\n\n\n \n
Industry ratings of Mercury car insurance<\/h2>\n\n\n\n
Rating<\/strong><\/td> Mercury\u2019s<\/strong> score<\/strong><\/td><\/tr> CRASH Network report card<\/td> C+.<\/td><\/tr> J.D. Power auto claims satisfaction study<\/td> No. 21 of 21.<\/td><\/tr> AM Best<\/td> A.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n \n