Mercury

Editor's Rating

Mercury has some of the most affordable car and home insurance rates in the states where it's available, making it a great choice for price-conscious customers. Those who qualify for Mercury's discounts could lower their premiums slightly, too.

However, drivers and property owners who value well-regarded customer service may be dissatisfied with Mercury, which has a high rate of complaints about home insurance and a reputation for delays.

Good for
  • Young drivers who are looking for a low-cost auto insurance company
  • Anyone who is looking for mechanical breakdown insurance
Bad for
  • Anyone looking for an insurance company with excellent service
  • Homeowners looking for an online quote

Mercury auto insurance review

Mercury auto insurance quotes

Mercury Insurance has rates that are cheaper than average for minimum and full coverage, even for drivers with a prior accident.

Drivers who want full coverage could find some of the cheapest quotes from Mercury car insurance, as well as cheap rates after an accident. Drivers who qualify for any of the discounts offered by Mercury could likely reduce their rates even more. Mercury's customer service is around average, making it a good but not exceptional option for most drivers.

Mercury car insurance rates

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
Company
Minimum coverage
Full coverage
Full coverage with one accident
Geico$396$1,380$3,523
AAA SoCal$454$1,750$3,541
Progressive$463$1,609$3,319
Mercury$527$1,487$2,235
AAA NorCal$579$1,712$2,732
State Farm$651$1,865$3,693
Allstate$734$1,892$5,080
Farmers$905$2,368$4,163

Mercury auto insurance discounts

Mercury doesn’t have the longest list of discounts, and like its optional coverages, availability varies by location. While the discounts are typical of what other insurance companies offer, Mercury does offer ways to save on its already-cheap car insurance.

Drivers could lower the cost of a Mercury car insurance policy by:

  • Finalizing an auto policy with a digital signature.
  • Insuring multiple vehicles.
  • Getting multiple types of coverage, like auto and home.
  • Equipping the insured vehicle with an anti-theft device.
  • Signing up for auto pay.
  • Maintaining a high grade point average.
  • Avoiding an accident or ticket for a certain period of time.
  • Paying your bill in full.

Policyholders can also save up to 5% by signing up for Mercury's RealDrive program. RealDrive tracks the number of miles driven, with fewer miles leading to cheaper rates. This may be of particular interest to drivers that work from home or don't drive to commute.

MercuryGO

Mercury offers a discount program for good drivers called MercuryGO. Customers can get 5% off for participating in the usage-based insurance program (10% for teens), and up to 40% off for safe driving behaviors, which include:

  • Smooth driving.
  • Avoiding speeding.
  • Using your phone while driving.

Your discount is based on a three-month average score. Driving is tracked through a mobile app. Customer reviews on the Apple App Store cite issues with transparency about how the rating system works.

Mercury auto insurance coverage

Compared to other insurance companies, there are only a few optional coverages available with Mercury that customers can add to a standard, legally required policy. Furthermore, coverage options depend on the state of the insured, which ultimately restricts the number of add-ons offered. However, the Mercury mechanical protection endorsement is a feature not many other companies carry.

Drivers with Mercury auto insurance can get:

Mercury mechanical protection

Includes coverage for major failures that can occur to your vehicle, like transmission problems. Mercury mechanical protection offers several coverage levels for new and used vehicles. Mercury mechanical protection also includes these additional benefits at no extra cost:

  • 24-hour roadside assistance
  • Rental vehicle assistance
  • Road hazard tire protection
  • Trip interruption coverage

Rental car coverage

Reimburses drivers for the cost of a rental vehicle if their car is involved in a covered accident. Mercury offers several coverage limits, with the lower end beginning at $30 per day and the higher end at $100 per day, for a maximum of 30 days.

Roadside assistance

Provides stranded drivers with towing, a battery recharge, tire changes and help with locked doors. Mercury’s roadside assistance gives customers the option to select coverage ranging from $75 to $1,000 per occurrence.

Mercury Insurance reviews and complaints

The reputation for customer service from Mercury Insurance is slightly better than average for auto coverage and worse than average for home coverage. Measured by customer complaints, it performs decently. The insurer's largest auto subsidiary receives fewer complaints than the median insurer, with policyholders citing service delays as the source of their dissatisfaction with Mercury.

Mercury car insurance placed just above average in J.D. Power's industry satisfaction survey in California, where the insurer occupies a large market share. It was rated as the eighth-best insurer of 14.

Measurement
Auto
Home
NAIC Complaint IndexFewer than expectedMore than expected
J.D. PowerAbove averageNot rated
A.M. Best Financial Strength RatingExcellentExcellent
Google Play4.3/54.3/5
App Store4.6/54.6/5

Mercury home insurance review

Mercury home insurance rates

In a comparison of rates in one of Mercury's largest markets, we found that it offered some of the cheapest homeowners insurance for most people.

Mercury’s expanded set of discounts means you'll have opportunities to lower your rates further. Since the insurer's prices are already low, budget-conscious property owners could find Mercury to be an affordable option for home insurance.

A bar graph showing the cost of Mercury home insurance

Find Cheap Homeowners Insurance Quotes in Your Area

Currently insured?
Insurance provider
Annual premium
Allstate$1,115
Travelers$1,116
Mercury$1,327
AAA NorCal$1,576
State Farm$1,681
AAA SoCal$1,831
Farmers$2,204

Rates are for a home insured for $505,000 in California.

Mercury homeowners insurance coverage

Mercury offers customers access to a limited number of home insurance add-ons. While the extra protections available from Mercury may be useful for many homeowners, they're not unique to the insurer. This means that homeowners could get more chances for customization elsewhere, while paying only slightly more expensive prices.

Homeowners insurance from Mercury Insurance can include:

Extended replacement cost

Provides policyholders with an additional 50% of coverage in excess of their dwelling coverage. The endorsement is meant to protect homeowners against the sudden rise in the cost of materials or labor that may occur when many homes in the same area are damaged.

Service line protection

Provides homeowners with $10,000 of coverage for damage to exterior and underground service lines. Service line protection is an uncommon add-on, and it provides coverage for the following:

  • Pipes connected to a public water supply
  • Sewage piping that's linked to a public sewer
  • Ground loop piping
  • Piping that provides heating in the form of natural gas, propane
  • Piping that supplies compressed air
  • Power lines

Identity theft protection

Grants policyholders up to $25,000 in coverage for expenses that they incur as a result of identity theft. This endorsement, partnering with CyberScout, allows you to seek reimbursement for any of the following:

  • Lost income
  • Notaries
  • Attorney fees
  • Mailing costs
  • Loan application fees

Additional coverage for valuables

Increases the protection allotted to high-value items, such as jewelry, firearms, art and furs, which are typically only partially covered by a standard policy.

Green home coverage

Covers an extra 10% of replacement costs for environmentally friendly materials or construction methods.

Matching of siding and roofing

Provides coverage for replacing undamaged roofing or siding to match new materials after a covered repair.

Refrigerated products

Covers up to $1,000 of food if a power outage or refrigerator mechanical failure causes spoilage.

Mercury home insurance discounts

Mercury offers a range of discounts to its policyholders. Local agents may be able to find shoppers discounts depending on their state.

  • Bundling home and auto policies
  • Owning a home constructed with fireproof materials
  • Living in a home that's located in a gated community
  • Having a home with safety features, like alarms, deadbolts or sprinklers
  • Purchasing coverage for a new home
  • Building with green materials
  • Updating a home with a new HVAC or roof
  • Paying on time for 36 consecutive months

Frequently asked questions

Is Mercury Insurance a good company?

Mercury is, overall, a good insurance company, offering cheaper-than-average rates and a wide range of home coverage options.

What states is Mercury insurance in?

Mercury Insurance is licensed to do business in 39 states: Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Minnesota, Missouri, Mississippi, Montana, North Dakota, North Carolina, Nebraska, New Jersey, New Mexico, Nevada, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming.

How do you cancel my Mercury Insurance policy?

Reach out to your agent or call Mercury customer service at (800) 503-3724 to cancel your policy. The company does not offer the option to cancel online. You may have to pay a cancellation fee.

Methodology

We obtained rates for varying levels of coverage using the profile of a 30-year-old man who drives a 2015 Honda Civic EX. We tested how the cost of car insurance changed by getting quotes for minimum and full coverage, as well as full coverage for someone with one prior accident. Our rates came from California, where Mercury comprises a significant portion of in-force policies.

For our homeowners review, we gathered rates from California for a home insured for $509,400 — the median value of a home in the state. This home measured 2,100 square feet and was constructed in 1979.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.