Mercury car insurance coverage
Mercury offers several types of car insurance coverage for consumers, including insurance add-ons.[2] You can opt for liability-only coverage or a full-coverage policy, which serves as additional protection beyond what liability insurance provides.[3]
Here’s what Mercury has to offer:
Liability: This covers damage you may cause to others if you cause an accident.
Collision: This coverage pays for damage to your vehicle from an accident or rollover, regardless of fault.
Comprehensive: This covers damage to your car due to an unexpected event like theft, vandalism, a fallen tree branch, or inclement weather.
Uninsured/underinsured motorist: This coverage pays for your medical bills and other costs associated with bodily injury when another driver without adequate coverage causes them.
Medical payments: This add-on coverage can help pay for your medical expenses after an auto accident.
Personal injury protection (PIP): This compensates you for medical bills, lost wages, and more, regardless of who caused the accident.
Rental car: This additional coverage pays for rental car costs if your car is being repaired after damage caused in a covered event.
Roadside assistance: This add-on coverage protects you if your car malfunctions and you need help from a roadside services professional.
Ride-hailing: This covers your car if you drive for a rideshare service and you’re en route to pick up a customer.
Umbrella: This provides coverage beyond what your policy offers in case you cause an accident that seriously injures another driver.
Mechanical failure: This pays for covered repair costs if your vehicle breaks down.
Certain coverages might not be available in all the states Mercury serves. If you’re interested in a specific coverage type, consider speaking with an agent to learn more about the coverages offered where you live.
Learn More: Compare Car Insurance by Coverage
How to get a Mercury car insurance quote
If Mercury provides coverage in your state, you can get a quote for an auto policy by entering your ZIP code and personal information on the Mercury website. Mercury estimates the quote process takes around seven minutes. You can also speak with an agent if you’d prefer to get a quote over the phone.
Those still considering other insurance options in addition to Mercury can also use a quote-comparison platform like Insurify. This type of platform lets you compare quotes from several providers all in one place.
Mercury car insurance cost by state
Depending on your state of residence, your car insurance requirements and costs will vary. For instance, Georgia state law requires drivers to purchase more auto coverage than Florida does.
Here are the average monthly costs of full-coverage auto insurance with Mercury in states with available coverage.
Actual quotes may vary based on the policy buyer's unique driver profile.
See More: Minimum Car Insurance Requirements by State
Mercury auto insurance rates by driving history
Beyond where you live and coverage requirements, your policy cost will also vary based on your driving history. If you have several driving violations, like speeding tickets, at-fault accidents, or DUIs, you’ll likely pay more for coverage than you would with a clean record.[4]
Here’s a look at Mercury Insurance’s average monthly rates for full-coverage insurance based on driving history:
Quote Price by Driving Record
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.
Read More: Cheapest Car Insurance by Driving Record
Mercury car insurance cost by age
Your car insurance costs will also change as you age. Teenagers and drivers younger than 25 tend to pay the most for auto coverage, while more experienced middle-aged drivers often pay the least for their policies. Here’s what you can expect to pay for Mercury auto insurance by age:
Quote Price by Age Group
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.
Mercury car insurance discounts
Car insurance discounts can help reduce the overall cost of your policy. Many insurers offer discounts, including Mercury. Mercury offers an array of discounts, but it doesn’t provide specifics on the percentages of each discount or how to qualify. Availability may vary by state.
Learn more about the available discounts below.
Anti-theft: Drivers who install an alarm or other type of anti-theft device can benefit from lower premiums.
Good driver: If you have a clean driving record, you could earn a good driver discount.
Autopay: Mercury also offers a discount for setting up automatic premium payments.
Good student: You may be eligible for a good student discount if you’re enrolled in college and meet Mercury’s qualifying requirements.
Multi-policy: Bundling your policies, such as homeowners and auto coverage, with Mercury may also result in a discount.
Multi-car: Similarly, insuring multiple cars with the company could result in savings on your auto policy.
Pay-in-full: Those who pay for their annual coverage in full can access a lower rate.
E-signature: Drivers who opt in for e-signing their policy documents may also get a discount on their coverage.
See More: Car Insurance Discount Guide
Mercury Insurance bundling options
Bundling your policies is an effective way to reduce the cost of your auto insurance. Though the company doesn’t specify how much you can save by bundling, Mercury offers the following bundling opportunities:
It may also allow you to bundle other policy combinations of home, auto, renters, and umbrella coverage.
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