{"id":323861,"date":"2025-11-07T20:41:33","date_gmt":"2025-11-08T01:41:33","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=135736"},"modified":"2025-11-07T20:41:34","modified_gmt":"2025-11-08T01:41:34","slug":"mercury-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/mercury-review\/","title":{"rendered":"Mercury Auto Insurance"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Mercury Auto Insurance Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>As of 2025, recent analyses place Mercury\u2019s average full coverage premium for a good driver roughly between about $1,900 and $2,450 per year, with minimum coverage commonly around $600\u2013$975, depending on methodology and state mix (<a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>).<\/li><li>Mercury continues to offer a relatively limited set of discounts and add-on coverages compared with larger national carriers; its notable discount avenue is the app-based telematics program MercuryGO, and typical add-ons include roadside assistance, rental reimbursement and a rideshare endorsement (<a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>).<\/li><\/ul>\n\n\n\n<p>Mercury car insurance is a no-frills option focused on core, state-required coverage in a limited set of states (<a href=\"https:\/\/www.mercuryinsurance.com\/insurance\/auto\/\">see availability<\/a>). Average premiums have risen since 2021 amid broad market increases (<a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS CPI: motor vehicle insurance<\/a>), and for many good-driver profiles today, recent datasets place Mercury\u2019s full-coverage costs in the low-$2,000s per year (<a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>). The company\u2019s add-on menu remains comparatively limited, and industry surveys show ongoing satisfaction pressure tied largely to pricing (<a href=\"https:\/\/www.jdpower.com\">J.D. Power<\/a>). On financial strength, Mercury\u2019s insurance companies hold an <a href=\"https:\/\/ratings.ambest.com\/search?query=Mercury%20Casualty%20Group\">A (Excellent) AM Best rating<\/a> with a Stable outlook, indicating an excellent ability to meet ongoing obligations (<a href=\"https:\/\/www.ambest.com\">AM Best definitions<\/a>).<\/p>\n\n\n\n<p>We created a Mercury car insurance review based on third-party ratings, discounts, coverage options, accessibility, recent satisfaction and shopping indicators, and regulatory complaint data (e.g., <a href=\"https:\/\/www.jdpower.com\">J.D. Power Insurance Shopping Study<\/a>; <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Overview\"><\/span>\n    \n\n\n<section id=\"block_60a30cd8ce437\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Mercury Car Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1961<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                AM Best:\n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power:\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">816*<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                States served:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">11<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>Mercury car insurance may be a good option for <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-for-high-risk-drivers\/\" class=\"achor-toggles\">high-risk drivers<\/a> who typically pay more for car insurance as well as budget-conscious car owners in search of the lowest premiums possible. Customer experience results vary by region; the latest J.D. Power U.S. Auto Insurance Study highlights industrywide satisfaction pressure tied to pricing, so it\u2019s wise to check current regional rankings for your state (<a href=\"https:\/\/www.jdpower.com\">J.D. Power<\/a>).<\/p>\n\n\n\n<p>In addition, the NAIC keeps records of policyholder complaints <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/the-largest-car-insurance-companies\/\">for the largest car insurance carriers<\/a> and assigns a complaint index score to better compare how a car insurance company performs when it comes to policyholder issues. You can view Mercury\u2019s latest private passenger auto complaint index in the NAIC\u2019s database here: <a href=\"https:\/\/eapps.naic.org\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NAIC Consumer Insurance Search<\/a> (values above 1.00 indicate more complaints than expected for the company\u2019s market share).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"pros\" title=\"Pros vs. Cons\"><\/span>\n    \n\n\n<section id=\"block_60a30db9ce43d\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Local agents available:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Customers who insure their vehicles with Mercury can find a dedicated insurance agent to help them with policies and claims.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Bundling discount:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Mercury advertises a 15% discount for home insurance and 14.5% off auto when they are bundled together.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Rideshare insurance: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Rideshare and delivery app drivers can have affordable coverage for when they\u2019re working.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">RealDrive:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Drivers can pay less for Mercury car insurance for signing up for mileage tracking.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Average customer satisfaction rating:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Mercury sits at the average of J.D. Power\u2019s ranking of car insurance companies in the California region.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">No unique supplemental coverage:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Besides rideshare, comprehensive, and roadside assistance coverage, Mercury does not offer other add-ons.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">High customer complaints: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">NAIC indexes Mercury\u2019s complaints at 3.64, which is very high compared to companies of similar size.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Limited geographic availability: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Mercury car insurance only sells vehicle coverage in 11 states.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Highlights\"><\/span>\n    \n\n                \n<section id=\"block_60a30f4ece446\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">Mercury Car Insurance Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Customer Experience\r\n <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Discounts &#038; Add-ons <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Claims <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Mercury auto insurance may be best-known for offering basic coverage that keeps drivers and their vehicles legally on the road. Nearly all states require some form of vehicle insurance coverage, although few agree on the limits. In general, drivers need liability coverage, which Mercury car insurance provides. Medical payments, personal injury protection, and uninsured\/underinsured motorist coverage may also be required.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer Experience\r\n\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Mercury scores below average in customer service, according to respondents of the annual J.D. Power customer satisfaction survey. In the California region, Mercury scored 816 out of 1,000 in J.D. Power\u2019s 2021 Auto Insurance Satisfaction Study and 849 in its U.S. Auto Claims Satisfaction Study \u2014 both about or under the average.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Discounts &#038; Add-ons\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Mercury insurance\u2019s average full coverage rate is a bit less than the national average of $1,674, according to 2021 data from Bankrate.com. In addition to the lower rates, customers can take advantage of a few discounts:<\/p>\n<ul>\n<li>Anti-theft<\/li>\n<li>Autopay<\/li>\n<li>E-signature<\/li>\n<li>Good driver<\/li>\n<li>Good student<\/li>\n<li>Multicar<\/li>\n<li>Multi policy<\/li>\n<li>Pay in full<\/li>\n<\/ul>\n<p>Furthermore, Mercury policyholders can choose to expand coverage by adding:<\/p>\n<ul>\n<li>Rental car coverage<\/li>\n<li>Rideshare<\/li>\n<li>Roadside assistance<\/li>\n<\/ul>\n<p>However, Mercury\u2019s additional coverage ends there. Drivers won\u2019t find special coverage like windshield coverage, special parts, accident forgiveness, or new car replacement.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Claims\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Although the goal is to never need to file a car insurance claim, it\u2019s good to know you have coverage if an emergency arises. To file a claim with Mercury, you can call the 24-hour hotline at (800) 503-3724. You\u2019ll need to provide certain documents and supporting evidence. Mercury Insurance provides a checklist you can use to collect the required information like driver information, photo evidence, and the police report. <\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"bundling\" title=\"Bundling Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Mercury\u2019s Car Insurance Bundling Discounts for Cheaper Insurance<\/h2>\n\n\n\n<p>Mercury Insurance is best known for <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">vehicle coverage<\/a>. It\u2019s what the company started selling when it was founded. However, the carrier expanded into homeowners insurance<a href=\"https:\/\/www.mercuryinsurance.com\/about\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"> (About Mercury)<\/a>. Now, drivers can buy car, renters, condo, homeowners, umbrella, business, and landlord insurance as well.&nbsp;<\/p>\n\n\n\n<p>Bundling more than one coverage with Mercury has its advantages. Mercury advertises multi-policy savings when customers <a href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\" rel=\"nofollow\" class=\"achor-toggles\">bundle home and auto<\/a> together, though actual discounts vary by state and profile. Across the industry, typical bundle savings generally fall in the 5%\u201325% range (<a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>). Plus, drivers can simplify their coverage needs by managing policies and insurance premium bills from one company, in one place.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"competition\" title=\"The Competition\"><\/span>\n    \n\n\t\t\n<section id=\"block_60a313f6ce44b\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Mercury Car Insurance vs. The Competition <\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Customer Satisfaction*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tDiscounts\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_60a313f6ce44b-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Mercury<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>816*<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>8<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60a313f6ce44b-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Travelers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>824*<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>14<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60a313f6ce44b-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>833*<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>16<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60a313f6ce44b-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>845*<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>12<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information accurate as of November 2025<\/em><\/p>\n\n\n\n<p><em>*J.D. Power <\/em><a href=\"https:\/\/www.jdpower.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"><em>2025 U.S. Auto Insurance Study<\/em><\/a><em> average rating across regions. Based on a 1,000-point scale.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mercury vs. Travelers<\/h3>\n\n\n\n<p>Both Mercury and <a href=\"https:\/\/www.reviews.com\/insurance\/car\/travelers-review\/\" class=\"achor-toggles\">Travelers insurance<\/a> offer rideshare coverage for drivers and delivery workers. However, Travelers has more car insurance policy options and discounts than Mercury. Travelers offers loan\/lease gap, accident forgiveness, and new car replacement coverage (<a href=\"https:\/\/www.travelers.com\/personal-insurance\/auto-insurance\">Travelers auto coverages<\/a>), while Mercury generally focuses on a smaller set of add-ons. For satisfaction comparisons, consult the latest regional results in the <a href=\"https:\/\/www.jdpower.com\">J.D. Power U.S. Auto Insurance Study<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mercury vs. Geico<\/h3>\n\n\n\n<p>Cost-conscious car owners are probably familiar with both <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\">Geico car insurance<\/a> and Mercury car insurance companies. They both advertise cheap vehicle coverage, although Geico is available nationwide compared to Mercury, which operates in 11 states. Geico also offers a wider set of options, including its DriveEasy telematics program and Mechanical Breakdown Insurance for eligible vehicles (<a href=\"https:\/\/www.geico.com\/auto-insurance\/\">GEICO auto<\/a>), while Mercury emphasizes core coverages with optional roadside assistance, rental reimbursement and rideshare endorsements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mercury vs. Auto-Owners<\/h3>\n\n\n\n<p>Mercury is at a disadvantage when compared to <a href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\" class=\"achor-toggles\">Auto-Owners insurance<\/a>. Auto-Owners has a strong financial strength rating and a broad menu of optional coverages and discounts, plus its TrueRide telematics program (<a href=\"https:\/\/www.auto-owners.com\">Auto-Owners auto<\/a>). Mercury\u2019s add-on list is narrower by comparison, though it offers a rideshare endorsement and a telematics program (MercuryGO) in participating states.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Mercury Car Insurance FAQ \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Mercury Car Insurance FAQ&nbsp;<\/h2>\n\n\n<div id=\"block_60a314b3ce464\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is Mercury car insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">According to 2021 data from Bankrate.com, we found that Mercury car insurance costs an average of $1,558 a year for full coverage auto insurance.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60a314bece465\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Mercury insurance better than Geico?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Both Mercury and Geico are reputable insurance companies that have been in business for decades. Based on customer reviews and ratings from the annual J.D. Power customer satisfaction study, Geico is better than Mercury.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60a314c9ce466\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Mercury insurance cheaper than AAA?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">It will depend on your unique rating factors and where you live. AAA operates as separate \u201cclubs\u201d across the nation. Your rates with each company will depend on your individual rating situation and state.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Mercury based on discounts, coverage, online resources, financial strength, and customer satisfaction to create our best car insurance reviews. To compare car insurance companies with other providers across the board, we analyzed:<\/p>\n\n\n\n<ul><li>Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.<\/li><li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company\u2019s financial stability.<\/li><li>Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its <a href=\"https:\/\/www.jdpower.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2025 U.S. Auto Insurance Study<\/a> to compare the average rating of insurers across all regions.<\/li><li>Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision, and personal injury protection.<\/li><li>Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.<\/li><\/ul>\n\n\n\n<p>As for average pricing, we used Bankrate.com\u2019s current dataset of car insurance to provide directional averages and comparisons across companies and coverage levels (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>).<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers own a Toyota Camry, commute five days a week and drive 12,000 miles annually.&nbsp;<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report As of 2025, recent analyses place Mercury\u2019s average full coverage premium for a good driver roughly between about $1,900 and $2,450 per year, with minimum coverage commonly around $600\u2013$975, depending on methodology and state mix (NerdWallet; Bankrate; Forbes Advisor). Mercury continues to offer a relatively limited set of discounts and add-on coverages compared [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362044,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1266],"tags":[21449],"post_author":[26441],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mercury Auto Insurance Review 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"Mercury auto insurance is only available in 11 states, and its coverage options and customer satisfaction scores fall short.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/mercury-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" 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