Mercury Auto Insurance: User Reviews and Quotes (2025)
Mercury’s affordable car insurance makes it an attractive car insurance option, but it doesn’t sell policies in many U.S. states.
Secure. Free. Easy-to-use.
Excellent
)
Written byJess Ullrich
)
Más de 10 años escribiendo sobre seguros y finanzas personales
Ex editora asociada de finanzas de Investopedia
Jess es experta en seguros, banca y otros temas de finanzas personales. Sus artículos han aparecido en numerosos medios de comunicación web, como Investopedia.
Featured in
){kind=small}
){kind=small}
)
Edited byKatie Powers
)
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
){kind=small}
)
Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Mercury Insurance offers several auto insurance discounts and relatively low rates, but it has mixed customer reviews and only sells coverage in 11 U.S. states.[1] If you live in a state where it operates, Mercury’s low-cost policies make it a good option to consider.
Here’s how Mercury compares to other auto insurers, the average costs of its policies, and its performance with customers and third-party rating companies.
Quick Facts
Mercury has solid ratings for financial strength and stability.
The company has below-average ratings for customer and claims satisfaction from J.D. Power and a higher-than-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC).
Mercury’s average rates are cheaper than many competitors.
How Mercury compares to other insurance companies
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $163/mo |
4.0
Best choiceBased on 587 verified guest reviews and ratings
How drivers feel about Mercury
Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
How drivers feel about Mercury
Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
Reviews (308)
Jeffrey
Verified Review
Mercury - You Can Have 'Em
Reviewed in California on December 2025
Never had a claim, but trying to get a hold of anyone at the office is a lesson in frustration. They jacked up my rates with no notice.
Ingrid
Verified Review
Frustrated
Reviewed in California on November 2025
I was looking for new quotes and found the insurance rate is the best available in my area. However, I found your ads untrue. I did have to provide my age, sex, and phone number to get a quote.
Gregory
Verified Purchase
Saving Money
Reviewed in California on November 2025
In the first month, I saved money!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
596NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Mercury’s selection of discounts, financial strength ratings, and customer service options are similar to what competing insurance companies offer. The company has lower average insurance rates than many competitors. If you’re a cost-conscious driver who lives in one of the 11 states where Mercury operates, consider getting a quote from this insurer.
Below, you can learn more about how Mercury compares to similar competitors like Amica, Bristol West, Direct Auto, and National General.
Pros
Numerous coverage options, discounts, and bundling opportunities
Competitive auto insurance rates
Offers gap, custom equipment, and rideshare coverage add-ons
Cons
Only available in 11 states (including California)
Low claims satisfaction score from J.D. Power
Bad 1.6/5 Trustpilot score
Factor  | How Mercury Compares |
|---|---|
| Rates | Cheaper |
| Customer service | Similar to competitors |
| Discounts | Similar to competitors |
| Availability | Less than competitors |
| Financial strength | Similar to competitors |
How Mercury rates compare to competitors
Mercury has lower average rates than some competitors, though your specific premium will depend on your driving record, age, credit history, and more. Compare average full-coverage insurance premiums from Mercury and a few competitors below.
Full-Coverage Rates by Insurance Company
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Mercury auto insurance
Your driving record and age affect how much you pay for auto insurance. Drivers with a clean record pay lower rates than people with a past driving incident. And teenage drivers typically pay much higher premiums than older drivers with more experience behind the wheel.[2]
Here’s how average monthly liability insurance rates from Mercury vary by driving incident and age.
Driver | Mercury Average Quote | National Average |
|---|---|---|
| Drivers with a clean driving record | $96 | $99 |
| Drivers with a speeding ticket | $147 | $128 |
| Drivers with an at-fault accident | $160 | $132 |
| Drivers with a DUI | $151 | $146 |
| Teen drivers | $180 | $191 |
| Senior drivers | $72 | $85 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance
Compare quotes from multiple companies in minutes
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Mercury car insurance cost by state
Mercury offers competitive rates, but your car insurance costs will vary depending on the state you live in. For instance, policyholders in New Jersey pay higher rates on average than drivers in Illinois. Different states have different car insurance requirements, with some mandating more coverage and others mandating less. Your location, ZIP code, gender, age, and credit-based insurance score may also affect your rates.
Here’s how Mercury’s average monthly liability premiums compare with averages in the states where it operates.
State | Mercury Average Quote | State Average |
|---|---|---|
| Arizona | $88 | $93 |
| California | $101 | $93 |
| Florida | $159 | $157 |
| Georgia | $144 | $158 |
| Illinois | $84 | $80 |
| Nevada | $149 | $154 |
| New Jersey | $198 | $178 |
| Oklahoma | $56 | $82 |
| Texas | $112 | $119 |
| Virginia | $85 | $110 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Mercury car insurance discounts
Car insurance discounts can lower your insurance rates significantly, and Mercury offers a decent selection of discounts for its policyholders. While some insurers indicate how much a particular discount can reduce your premiums, Mercury doesn’t disclose this information.
Here’s a list of auto insurance discounts it offers:[3]
Anti-theft
Auto pay
Good student
Good driver
Multi-car
Multi-policy
Pay in full
How customers feel about Mercury
Mercury has a strong rating from AM Best, which indicates financial stability. But the company has received mixed feedback from customers on popular review sites.
Mercury has a higher-than-average number of customer complaints filed with the NAIC for its private passenger auto policies, and it has below-average customer and claims satisfaction rankings from J.D. Power.
Mercury customer reviews
While some positive reviews praise Mercury’s customer service team, others mention issues with denied claims and unexpected policy lapses. Below, you can find real, verified user reviews.
Jeffrey
Verified Review
Mercury - You Can Have 'Em
Reviewed in California on December 2025
Never had a claim, but trying to get a hold of anyone at the office is a lesson in frustration. They jacked up my rates with no notice.
Ingrid
Verified Review
Frustrated
Reviewed in California on November 2025
I was looking for new quotes and found the insurance rate is the best available in my area. However, I found your ads untrue. I did have to provide my age, sex, and phone number to get a quote.
Gregory
Verified Purchase
Saving Money
Reviewed in California on November 2025
In the first month, I saved money!
Dolores
Verified Review
It's an okay insurance. They explained my liability very thoroughly. The only thing I didn't like was the location of their office. Parking is awful and there are too many stairs to tackle to their office.
Reviewed in California on November 2025
It's an okay insurance. They explained my liability very thoroughly. The only thing I didn't like was the location of their office. Parking is awful and there are too many stairs to tackle to their office.
…
Mercury ratings
Third-party companies provide some insight into Mercury’s stability, customer satisfaction ratings, and more. AM Best assesses the credit and financial soundness of insurance companies, J.D. Power conducts an annual study measuring customer satisfaction with insurance companies, and the NAIC logs complaint trends for different insurers.
See Mercury’s ratings below.
Rating | Score | What This Means |
|---|---|---|
| AM Best financial strength rating | A (Excellent) | Strong ability to pay claims |
| J.D. Power | 596 (region average is 637) | Below average |
| NAIC Complaint Index | 1.64 | Higher-than-average number of complaints |
Compare Auto Insurance Rates
Insurify partners with top companies to generate free quotes
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Mercury car insurance coverage options
Mercury offers a range of car insurance coverage options, including standard state-minimum required car insurance coverage — property damage and bodily injury liability insurance. These coverages protect you if you cause an accident that damages someone else’s car or other property or injures another person.
Mercury has many available coverage options, similar to what competitors offer. Here are your options if you’re considering an auto insurance policy with this insurer:
Collision coverage
Collision insurance pays for your car repairs, no matter who’s responsible for a car accident.
Comprehensive coverage
Comprehensive insurance covers your car repairs following damage due to an event outside your control, such as severe weather or theft.
Underinsured/uninsured motorist coverage
Uninsured/underinsured motorist coverage can pay for the medical bills of you and your passengers if you have an accident with a driver with inadequate insurance coverage.
Medical payments coverage
Also called MedPay, medical payments insurance is a supplemental coverage that pays for medical expenses for you and your passengers following a car accident, regardless of fault.
Personal injury protection coverage
Personal injury protection (PIP) can cover medical expenses, lost wages, or funeral costs after an accident for you and your passengers, no matter who caused the accident.
Rental car coverage
If you temporarily can’t drive your vehicle due to damage from an accident, rental car insurance pays for the cost of a rental car.[4]
Other options for Mercury customers
If you’re interested in getting a multi-policy discount from Mercury, here are some other insurance products it offers besides car insurance policies:
Homeowners insurance: This coverage protects the structure of your home and your personal property if a covered peril damages your home. A standard home insurance policy also typically includes liability insurance.
Renters insurance: If a covered incident damages your personal items, renters insurance can cover them. This coverage also typically includes liability insurance.
Condo insurance: This type of policy includes liability insurance and protects your personal items following damage from a covered incident.
Business insurance: Insurance protection for your business covers your business property from damage due to a covered loss and helps shield your business from liability.
Mercury insurance FAQs
If you’re still determining whether Mercury Insurance is the best choice for your specific needs, the following information can answer your remaining questions.
Is Mercury legitimate?
Yes. Mercury Insurance Group is a legitimate company that’s been selling insurance since 1961. That said, the California Department of Insurance took legal action against Mercury for overcharging consumers in 2022.[5]
What is the average cost of Mercury car insurance?
The average monthly cost for a full-coverage insurance policy from Mercury is $163, while a liability insurance policy costs $96 per month.
Is Mercury good at paying claims?
AM Best gives Mercury a financial strength rating of A (Excellent). This indicates the company is financially sound and able to pay out claims. But Mercury ranks lower than most insurance industry competitors in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study, suggesting that its claims process may need improvement.
How do I cancel my Mercury insurance policy?
Mercury doesn’t provide a way to cancel your insurance policy online or through its mobile app. Instead, it indicates that you should contact your insurance agent if you want to cancel or make significant changes to your policy.
How does Mercury compare to other insurance companies?
Mercury’s rates, discount offerings, and financial strength ratings are similar to those of competitors, but it’s only available in 11 states. Several of its competitors offer policies in the majority of U.S. states.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
National General Auto Insurance: User Reviews and Quotes
December 8, 2025
)
Erie Auto Insurance: User Reviews and Quotes
December 8, 2025
)
American Family Auto Insurance: User Reviews and Quotes
December 8, 2025
)
West Bend Auto Insurance Review: Ratings and Quotes
January 5, 2024
)
Kemper Car Insurance Reviews: Costs and Ratings
December 8, 2025
)
Grange Auto Insurance: User Reviews and Quotes
December 8, 2025
)
COUNTRY Financial Auto Insurance: User Reviews and Quotes
December 4, 2025
)
Auto-Owners Insurance: User Reviews and Quotes
December 8, 2025
Sources
- Mercury Insurance. "Browse Mercury Agents By State."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Mercury Insurance. "Auto Insurance Discounts."
- Mercury Insurance. "Auto Insurance Coverage."
- California Department of Insurance. "Mercury Insurance illegally steered ‘good drivers’ toward higher-priced policies, Department alleges in major legal action."
)
Jess UllrichInsurance Writer
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Jess has been a contributor at Insurify since September 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.