Mercury
- Rideshare insurance available.
- Wide range of discounts available.
- Low scores from customers in J.D. Power's 2025 U.S. Insurance Shopping Study.
- Not available in all states.
NerdWallet's take on Mercury auto insurance
Mercury earned 4.5 stars out of 5 for its user-friendly and informative website, plus its many discount offerings.
Best for: Drivers who can pay extra for a variety of specialty coverage options.
Not ideal for: Drivers who prioritize affordable rates and high customer satisfaction scores.
Where Mercury car insurance stands out
Coverage options. Mercury offers a good variety of optional coverage types, like gap insurance and custom equipment coverage.
Discount selection. Mercury’s list of discounts includes a few less common options, like one for insuring an electric vehicle and another for going at least 35 months without missing a payment.
Where Mercury car insurance falls short
Uneven affordability. Its rates are often above average in the states where we have Mercury rates data to analyze.
Limited availability. Mercury offers car insurance in only 11 states.
Low customer scores. Mercury scored the worst out of 18 insurance companies in J.D. Power's 2025 U.S. Insurance Shopping Study. Customers also filed more than the expected number of complaints to state regulators about Mercury auto insurance, according to data from the National Association of Insurance Commissioners (NAIC).
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How much does Mercury car insurance cost?
Mercury car insurance costs an average of $3,356 per year for full coverage, compared to the national average of $2,300. This is according to NerdWallet’s November 2025 analysis.
For minimum coverage, Mercury car insurance costs an average of $68 per month or $811 per year, according to our November 2025 analysis. The national average is $52 per month, or $627 per year.
» MORE: Compare car insurance rates
Mercury auto insurance rates by age
Many companies will prioritize your age when pricing an insurance quote. That’s because age often represents your driving experience and how likely you are to make risky decisions. Because of that, young drivers often pay significantly more for car insurance than drivers in their 40s and 50s.
Here are Mercury's average car insurance rates for drivers of different ages:
Young drivers. The average cost of Mercury car insurance for 20-year-old drivers is $6,079 per year, or $507 per month. The national average for this age group is $4,684 per year, or $390 per month.
Adult drivers. The average cost of Mercury car insurance for 40-year-old drivers is $2,995 per year, or $250 per month. The national average for this age group is $2,232 per year, or $186 per month.
Senior drivers. The average cost of Mercury car insurance for 60-year-old drivers is $2,334 per year, or $195 per month. The national average for this age group is $1,988 per year, or $166 per month.
- More Mercury auto rates by age
Age Company median rate National median rate 20 $6,079 $4,684 30 $3,340 $2,375 35 $3,356 $2,300 40 $2,995 $2,232 50 $2,618 $2,074 60 $2,334 $1,988 70 $2,755 $2,125
Mercury auto insurance rates by driver profile
Insurance companies may use your age to predict your driving habits, but your actual driving history is another major factor that determines your car insurance costs. For example, drivers with a recent accident often pay higher rates than drivers with a recent speeding ticket, while drivers with a DUI usually pay even more.
Below are Mercury's average full coverage rates for 35-year-old drivers:
Poor credit. The average cost of Mercury car insurance for drivers with poor credit is $5,641 per year, or $470 per month. That's compared to the national average, which is $3,850 per year, or $321 per month. (California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket. The average cost of Mercury car insurance for a driver with a speeding ticket is $4,434 per year, or $370 per month. That's compared to the national average, which is $2,931 per year, or $244 per month.
At-fault crash. The average cost of Mercury car insurance for a driver with an at-fault crash is $5,292 per year, or $441 per month. That's compared to the national average, which is $3,405 per year, or $284 per month.
DUI. The average cost of Mercury car insurance for a driver with a DUI is $4,624 per year, or $385 per month. That's compared to the national average, which is $4,265 per year, or $355 per month.
Mercury auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Driving a car equipped with anti-theft features.
Paying your premiums in full all at once or enrolling in auto pay.
Going at least 35 months without a missed or insufficient payment.
Signing your insurance documents electronically.
Owning and insuring an electric vehicle with Mercury.
Avoiding accidents and traffic violations.
Earning good grades (if you’re a student).
Having a student on your policy who is under 23 years old, is unmarried and lives more than 100 miles from where their car is parked.
Having multiple policies with Mercury.
Insuring more than one vehicle with Mercury.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
Mercury car insurance coverage
Mercury's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Mercury also offers some types of optional coverage, such as:
Custom equipment coverage. Mercury will help replace any aftermarket or custom parts, whether they are damaged in a covered claim or stolen.
Gap insurance. This type of coverage pays the difference between a totaled car’s current value and what you still owe on it.
Rental car reimbursement. If your car is in the shop after a covered claim, Mercury will cover rental car costs from $30 to $100 a day for up to 30 days.
Rideshare coverage. Some rideshare companies only insure drivers when they have a passenger in their vehicle. Mercury’s rideshare coverage extends that coverage to the time between passengers as long as the ridesharing app is on.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend getting full coverage insurance.
MercuryGO program
The MercuryGO program uses an app to track your driving behavior. The company uses that information to offer you a discount based on your habits and even provide tips on how to become a safer driver. You’ll get a discount just for signing up, which could become a bigger discount when you renew your policy, depending on your score in the app.
Is Mercury a good insurance company?
Mercury tends to score below average when it comes to customer satisfaction and complaints.
Complaints: State regulators received more than the expected number of complaints about Mercury auto insurance, according to three years of data from the NAIC.
Shopping: Mercury was ranked last out of 18 companies in J.D. Power's 2025 U.S. Insurance Shopping Study. This study measures how shoppers feel about a company's buying process.
Claims satisfaction: Mercury was ranked No. 12 out of 20 companies in J.D. Power's 2025 Auto Claims Satisfaction Study, with a score just above average. This survey measures how customers feel about an insurer's claims process.
See what you could save on car insurance
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More information about Mercury car insurance
Customer service: Call 800-503-3724 or fill out an email form on the website.
Website: You can make payments, download ID cards and view policy documents via Mercury’s website. The company also has a blog with articles on various insurance topics, as well as tips for safer driving.
Mobile app: Mercury offers two mobile apps for its auto insurance customers.
Mercury’s Car & Home app lets you access your digital ID card, pay bills and contact roadside assistance.
The MercuryGO app monitors your driving habits for things like speeding, turning and braking. You earn a discount for enrolling and may receive an additional discount at renewal for demonstrating good driving behavior. MercuryGo is available only in Arizona, Florida, Georgia, Illinois, Nevada, New Jersey, Oklahoma, Texas and Virginia.
Other Mercury insurance reviews
You can also learn about Mercury home insurance and how it compares to other options.
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
How do I get a quote from Mercury?
How do I get a quote from Mercury?
You can start a quote from Mercury online or by calling a local Mercury agent.
In what states does Mercury sell policies?
In what states does Mercury sell policies?
Mercury sells auto insurance policies in 11 states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia.
Does Mercury sell rideshare insurance?
Does Mercury sell rideshare insurance?
Yes, you can add rental car reimbursement to your policy if you have full coverage insurance. Mercury will pay from $30 to $100 a day for up to 30 days toward a rental car while yours is being repaired after a covered claim.
How can I contact Mercury?
How can I contact Mercury?
You can reach Mercury customer service at 800-503-3724 or by filling out an email form on the website.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Insurance Shopping Study. Accessed Dec 19, 2025.
- 2.J.D. Power. 2025 Auto Claims Satisfaction Study. Accessed Dec 19, 2025.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2022 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
