Mercury Auto Insurance
About Mercury Auto Insurance
Mercury Insurance provides personal and commercial property and auto coverage at affordable rates. Many of Mercury’s customers have stuck with the company for years, some up to a decade or two, though it services only 11 states. It has several discount opportunities and provides rideshare coverage. The company also offers home insurance and other protection.
Overall Satisfaction Rating
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Pros
- Several discount options
- Offers rideshare coverage
- Affordable rates
Cons
- Must file claims by phone
- Available in just 11 states
Bottom Line
Mercury Insurance provides auto policies, including rideshare coverage. You can’t buy Mercury policies or file claims online; most policy management must be done over the phone. Mercury is available in 11 states.
Top Mercury Auto Insurance Reviews
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My husband and I have had Mercury Insurance for over 25 years, we have tried to see if any other companies that could beat Mercury’s pricing and none of the companies can… Our rep...
Read full reviewI have been with Mercury Insurance Company for over 40 years. The last time I received a renewal notice I decided to see if I could get a better price. I checked with Auto Club, A...
Read full reviewWhat is Mercury auto insurance?
Mercury has been selling car insurance since 1962. While it’s available in just 11 states, Mercury has a reputation for competitive rates and basic coverage options for new and high-risk drivers alike. You can make claims 24/7 by calling Mercury’s claims hotline — there’s no way to purchase a policy or file a claim through the company’s website. The company does offer an Android mobile app for policy management.
How does Mercury auto insurance work?
Mercury Insurance offers standard auto policies without any bells and whistles. Its basic coverage options include:
- Liability: Covers damage caused to others if you’re at fault for an accident.
- Collision: Pays for damage to your vehicle, regardless of who’s at fault.
- Comprehensive: Covers damage caused by vandalism, theft, fire, flood or other non-accident incidents.
- Medical payments: Helps pay for medical expenses due to a covered accident.
- Personal injury: Helps cover medical costs and other expenses after an accident, regardless of who’s at fault.
- Uninsured/underinsured motorist: Covers bodily injury for you, your passengers or other drivers of your insured vehicle in case of losses caused by drivers with inadequate or no insurance.
Mercury also has some optional policies, including:
- Rental reimbursement: Helps cover the cost of a rental vehicle while your car is under repair due to a covered loss.
- Roadside assistance: 24/7 help on the road, including towing, locksmith and flat tire services.
- Ride-hailing insurance: Protects drivers working for a rideshare company while the ridesharing app is on.
Mercury guarantees repairs for as long as you own your vehicle as long as the work is done at one of its approved shops.
Mercury auto insurance quotes and costs
The cost of your Mercury auto insurance policy will vary depending on a number of factors: which policy you choose, whether you choose add-on coverage, your age, driving history, vehicle, location and more.
Though it’s hard to pinpoint exactly what your cost will be without a quote, Mercury’s monthly auto policy costs tend to average between $55 and $140. The company also offers several discounts for:
- Anti-theft features
- Autopay
- E-signature
- Good drivers
- Good students
- Multicar
- Multipolicy
- Paying in full
Mercury also has a program called RealDrive that sets your rate based on how many miles you drive. You get a 5% discount just for registering and for the duration of your enrollment in the program.
Mercury Auto Insurance FAQ
Where is Mercury auto insurance available?
Does Mercury auto insurance require a credit score?
Where is Mercury Insurance located?
Who owns Mercury Insurance?
Is Mercury good car insurance?
Mercury Insurance offers standard auto coverage options. The company writes policies in only 11 states, so it’s not accessible for many throughout the U.S.; for those who live in Mercury’s service area, though, it can be an affordable option for basic coverage. Overall, Mercury is a good choice for auto insurance.
Mercury Auto Insurance Reviews
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Atrocious. I have an added endorsement on my house insurance policy covering appliances. Dishwasher and washing machine are both having issues (i.e. dishwasher won't turn on, WM pauses itself mid-cycle and shuts itself off if the 'start' button isn't pushed again midway through a 'regular' wash cycle). Mercury sends out their third party partner (Strikecheck) to complete a diagnostic test on them both to gauge whether or not coverage is warranted. Strikecheck rep no calls/no shows for the first appointment (I took an entire day off of work to ensure I was home during their 4 hour window given). Another week goes by before Strikecheck gets someone to my house. Rep gets here, takes two photos (one of each machine) and leaves. Wasn't at my house for more than 10 minutes. Never inspected the machines, might not have even touched them. Tells me I'll hear something back from Mercury soon.
Mercury calls this morning and says that coverage is denied because of a power surge. IMPOSSIBLE to determine that from a photograph. Not to mention, the washing machine still turns on and technically can operate essentially at 50% efficiency. So....I guess my house was hit with a power surge that killed the dishwasher, but only half-killed the washing machine and that was determined through 2 pictures. Absolutely ridiculous. Then I'm told by the Mercury claims adjustor that she advised me I could have hired my own local service to complete the diagnostics. Oh....so I guess that was my fault?!? Feels like a classic case of insurance fraud.
Collect their customers premiums, provide asinine excuses why coverage is denied, and then make you feel like it was your fault to begin with. And for anyone who reads this, I'm fully aware that Mercury and Strikecheck are two different entities. Strikecheck no call/no showing isn't on Mercury, but the reason for the denial of coverage and disrespect making the customer feel at fault absolutely is!! AVOID DOING BUSINESS WITH THESE CROOKS!!!
I was hit by another driver over a month ago. The other insurance accepted responsibility 100%. I have had nothing but issues in getting everything taken care of from finding a shop to take my car in, to getting the repairs done, to renting a vehicle. I am now without a vehicle, as it has been over the 30 days since the accident and Mercury not only cannot help me with extending my rental, even though they would get it back from the other company, but I was told I had to call the other driver's insurance company to get reimbursed for the extra I had to pay out of my own pocket to get a vehicle comparable to what I have. I was also originally told I had to send my receipt to them in order to get reimbursed. I have NEVER had to go to the other driver's insurance in order to do anything, that's why you have an insurance company so they deal with everything. So now, I am here, 5 kids, full time job and no vehicle.
When I returned my rental, they tried to charge me $ 350.00 because Mercury had not paid them their portion yet. So I am also here waiting for my $ 100 deposit back as well as a receipt so I can get reimbursed by the other insurance for my out of pocket. Mercury just does not have my back in this, seems like I'm on my own and will definitely be shopping around for different insurance!!
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Agent referred and sold MERCURY Insurance to me, Home insurance and Auto insurance combine, they told me cheaper than other insurance, I trust her and paid annual full insurance fees at one time. But I found out the price were really not cheaper or good. Then I called agent. Ask for details why Home insurance looks a little cheaper, while Auto insurance price more higher than other insurance company quota. Agent just not patient answer my question. So I decide to move to another better insurance. I called agent and leave voice mails for two days and two times. But nobody call me back. Then I send email. Finally, Anna called me back. Ask me the send them DETAILED NEW insurance details and policy in order to cancel insurance with Mercury. They said that they need to make sure my new insurance full covered my Home and Auto. I never see these unreasonable requirement to cancel my insurance.
For Home insurance, I got refund after 15 days, they charge $50 for early cancel fee even I only sign and paid with 7 days. For Auto insurance, I still not get refund after almost one month, just send email to ask refund. They must charge me another $50 for early cancel fee. All other good insurance company, I never been charged $50 early cancel fee and need submit details new insurance policy of another insurance companies in order to cancel insurance and get refund. STAY AWAY from MERCURY Insurance, they ONLY want to take and charge money from you. Their review of these three years also very BAD with lower score.
Raised umbrella policy $200 during COVID SHUTDOWNS for no reason - never filed claim. Never used policy!!! UNCONSCIONABLE!! Insurance commissioner needs to take action against Mercury Insurance for gouging customers during COVID shutdowns!
Mercury is a well known and established insurance company whose reputation is for truly inexpensive rates for auto insurance. They certainly saved me $1500 annually when I switched from Farmers in 2012. Truly it all depends on driving record, zip code and type of car(s). They do have a rather unfair practice of assuming how many miles you drive and don't inform you as they hike up the rates. When you do catch this you'll need to prove you aren't driving the miles they assume you are. It's kind of shady but when I do catch them and send them service records proving I barely drive my own car they do lower it back to where it should have been. This had occurred 3 times, it's frustrating.
I got rip off from Mercury Insurance. After we agreed on the original price that was $526 for the insurance policy, they jacked up the price to $1293 without the consent or notification. They just sent me the bill and demanded me to pay it. When I fought for the original price of $526, all they did was delaying without making any progress. When I cancelled the policy, they charged me $170 for having the policy for a month, and refunded me $356 only. They are not reliable but only for their gain. I will give them less than zero if I could.
On October 17th I called for a quote and I was talking to Matthew. He gave me a quote for 1700 for 12 months. I thought this price was wonderful. Then I asked for a quote if add my husband as a driver then he said 4000 for one car. This got to be a joke plus I sent proof that my accident wasn't my fault. So when I called today they said that they can't exclude my husband but he have his own car and insurance.
I believe the premium rates are among the lowest in the industry because there have been times I've compared. I have a very good driving record but when I had a collision recently that wasn't at fault, they were very prompt and dependable, and made sure I got the best outcome possible while seeming to care a lot about making sure any injuries I might have received attention and compensation. Their customer service is excellent.
My husband and I have had Mercury Insurance for over 25 years, we have tried to see if any other companies that could beat Mercury’s pricing and none of the companies can. We also have our Homeowners insurance with Mercury. Our rep has been exceptional and have had excellent service for all these years.
I have been with this insurance company more than 10 years and they have always taken great care of me with great service, kindness, professionalism, and have handled all my issues with concern and care.
Mercury Auto Insurance Company Information
- Company Name:
- Mercury Auto Insurance
- Website:
- www.mercuryinsurance.com
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