Ameriprise vs Mercury Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Ameriprise
78
What is this?

Insurify Composite Score

Mercury
81
What is this?

Insurify Composite Score

Ameriprise VS Mercury
78
81
What is this?
User Ratings
OptionsAmeriprise Mercury
Rating/Reviews
40 reviews
1,419 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmeriprise Mercury
Local Agent--The rest
Overall Satisfaction--The rest
Policy Offerings--The rest
Pricing--The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmeriprise Mercury
Claim Servicing--The rest
Estimation Process--About average
First Notice of Loss (FNOL)--The rest
Overall Satisfaction--The rest
Rental Experience--The rest
Repair Process--About average
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionAmeriprise Mercury
California862 pt
Among the best
795 pt
The rest
Florida--808 pt
The rest
Mobile App Ratings
RegionAmeriprise Mercury
Android
316 Reviews
161 Reviews
iOS
14 Reviews
--
Financial Ratings
OptionsAmeriprise Mercury
A.M. BestAA
FitchA-A
Moody'sA3A2
Standard & Poor'sA---

Auto Insurance Quotes

For Married Drivers

CityAmeriprise Mercury
Austin--$74
Chicago--$106
Phoenix--$96
Santa Monica--$67

For Single Drivers

CityAmeriprise Mercury
Austin--$81
Chicago--$152
Phoenix--$93
Santa Monica--$122

For Male Drivers

CityAmeriprise Mercury
Austin--$77
Chicago--$146
Phoenix--$94
Santa Monica--$116

For Female Drivers

CityAmeriprise Mercury
Austin--$78
Chicago--$113
Phoenix--$95
Santa Monica--$72

For Drivers with Speeding Ticket

CityAmeriprise Mercury
Austin--$102
Chicago--$174
Phoenix--$114
Santa Monica--$134

For Drivers with No Speeding Ticket

CityAmeriprise Mercury
Austin--$72
Chicago--$119
Phoenix--$91
Santa Monica--$86

For Drivers Age Between 18-40

CityAmeriprise Mercury
Austin--$81
Chicago--$150
Phoenix--$92
Santa Monica--$136

For Drivers Age Between 40-65

CityAmeriprise Mercury
Austin--$70
Chicago--$103
Phoenix--$90
Santa Monica--$60

For Drivers Age of 65+

CityAmeriprise Mercury
Austin--$93
Chicago--$147
Phoenix--$123
Santa Monica--$67

For Drivers with Average Credit

CityAmeriprise Mercury
Austin--$86
Chicago--$134
Phoenix--$103
Santa Monica--$83

For Drivers with Fair Credit

CityAmeriprise Mercury
Austin--$84
Chicago--$111
Phoenix--$102
Santa Monica--$79

For Drivers with Good Credit

CityAmeriprise Mercury
Austin--$74
Chicago--$123
Phoenix--$99
Santa Monica--$67

For Drivers with Excellent Credit

CityAmeriprise Mercury
Austin--$67
Chicago--$149
Phoenix--$75
Santa Monica--$147

Quotes & Discounts

Discount typeAmeriprise Mercury
Accident (Merit) RatingVaries--
Accident ForgivenessVaries--
Accident FreeVaries--
Anti-Theft DeviceVariesUp to 5%
Anti-lock BrakeVaries--
Daytime Running LightsVaries--
Defensive DriverVaries--
GaragingVaries--
Good DriverVariesUp to 18%
Good StudentVariesUp to 10%
LoyaltyVaries--
Multiple PolicyVariesUp to 10%
Multiple VehicleVariesUp to 26%
New GraduateVaries--
Passive RestraintVariesUp to 5%
Provider SwitchVaries--
Seat Belt UseVaries--
Student Away at SchoolVariesUp to 10%
Federal Employee--Varies
Good Credit--Up to 73%
Low Mileage--Varies
Occasional driver--Varies
Organization--Varies
Paid in full--Varies
Professional organization--Varies
Public Safety Professional--Varies
Senior Adult--Varies
VIN Etching--Varies

Payment Methods

Discount typeAmeriprise Mercury
Automatic Online Payment
yes--
Bank Payment/Direct Deposit yes--
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
Mail Payment
yesyes
Mobile App Payments
yes--
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
--yes
Prepayment
yes--

Features and Services

Features and ServicesAmeriprise Mercury
24/7 serviceyesyes
Accident forgivenessyes--
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyes--
Mobile appyes--
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAmeriprise Mercury
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
yes--
Comprehensive Claim Forgiveness
--yes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yes--
Gap Insurance
yes--
Glass Coverage yes--
New Car Replacement Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • Ameriprise
  • Mercury
  • Both

SR‌-22 Insurance by State

  • Ameriprise
  • Mercury
  • Both

Compare Insurance Products

ProductAmeriprise Mercury
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyes--
Business InsuranceBusiness Insurance--yes
Classic Car InsuranceClassic Car Insuranceyes--
Commercial InsuranceCommercial Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Flood InsuranceFlood Insuranceyes--
Home InsuranceHome Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Ameriprise Reviews
  • Mercury Reviews
3.5
5 Stars
40 %
4 Stars
18 %
3 Stars
15 %
2 Stars
3 %
1 Star
25 %

Most Positive Review

By Roger
Value

Most Critical Review

By Greg
Had Ameriprise for many years with no claims. Scraped the right front fender pulling into the garage resulting in a claim and insurance rates went from $2,100 every 6 months to $3,300 every 6 months. Only claim ever.i could have just paid for the repairs several times over for that increase.

All Reviews

Showing 1 - 10 out of 40 Reviews
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Read reviews that mention

Michael
Price
SANTOSH
Ameriprise is relatively out of sync with changing market and customer dynamics. The rigid insurability clause for Comprehensive coverage of personal auto insurance, while working for a ride sharing company. The ride sharing company has its own comprehensive insurance, while the personal auto insurance is for own use. Ameriprise adjusters are not ready to meet the challenges of Digital age. Archaic processes and systems used by the adjusters are not customer friendly.
Anthony
Very professional and did not waste my time
Juan
No real problem other than large rate increase. Its all about the money
Ray
Relatively painless experience in replacing my totaled car.
saisunee w
I left Ameriprise after being a customer for 19 year due to their terrible customer service and corporate greed. I had Ameriprise for my home, auto and umbrella insurance with no problems but last September I accidently scratched another car while parking. Ameriprise advertises that they had accident forgiveness but they lie. The only time I had to use my insurance in 19 years and they screwed me over the first chance they got. The Ameriprise representative was extremely rude and informed me that there was no accident forgiveness and they increased my rate to triple the original price. Save yourself heartache and DO NOT get Ameriprise Insurance.
Monica
I've never had a problem with being helped...never had an issue. My issue is their prices.
Manoochehr
The high price.
Brian
Never had any problems with them.
Jo
My rates went up for no fault of mine. Car and auto.
Showing 1 - 10 out of 40 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.