2020 Mercury Insurance Review: Quality Car Insurance?
Mercury Insurance Review Summary: Mercury car insurance is hard to beat when it comes to pricing, landing in 7th place out of 46 auto insurers in WalletHub’s cost comparison. But Mercury does not stray far from the basics when it comes to coverage options, discounts, and specialty auto insurance. As a result, Mercury is best for low-maintenance drivers looking for standard coverage options at an affordable price and nothing more.
People who require attentive customer care and quality claims processing are better off shopping for car insurance elsewhere. Mercury has received below-average ratings for both. One big reason why: Drivers do not have the option of purchasing a policy or filing claims online.
In the sections below, learn more about Mercury’s auto coverage details and discounts. You can also see how they rank against popular alternatives.
Mercury Car Insurance Reviews and Ratings
- WalletHub: 3.7/5 (38 user reviews)
- Better Business Bureau: A+ (not accredited)
- J.D. Power: Not rated
- National Association of Insurance Commissioners (NAIC): In 2018, Mercury received a relatively high number of complaints compared to other similarly sized companies in the auto insurance industry.
Online consumer complaints predominately focus on Mercury’s poor handling of claims and customer support. Mercury is on solid footing when it comes to financial strength, however, earning an A+ from the rating agency A.M. Best.
Fun Fact: Headquartered in California, Mercury is the fourth largest private passenger auto insurer in the state and has been recognized as one of America’s most trustworthy companies by Forbes magazine.
Mercury Car Insurance: Availability by State
Mercury sells car insurance policies in 11 states:
Mercury Insurance Coverage Options
Mercury offers all the major auto coverage options that are typically required in most states. The options include liability coverage for bodily injury and property damage, personal injury protection, coverage for medical expenses, vehicle coverage for collisions, comprehensive coverage, and uninsured/underinsured motorist coverage.
In addition to these traditional options, Mercury offers several auto policy add-ons that customers can purchase separately for enhanced protections and benefits.
Extra Coverage Options & Specialty Policies from Mercury Car Insurance:
- Rental Car Reimbursement: Covers the cost of a rental car for up to 30 days while your vehicle is in the shop after an accident. Customers must have collision or comprehensive coverage to add this feature.
- Roadside Assistance: Covers the cost of towing, jump-starts, tire changes, fuel delivery, winching, and locksmith services. Customers may use roadside assistance up to 5 times per policy period.
- Mechanical Protection: Covers the cost of repairs (mechanical and/or electrical) after your original vehicle warranty expires. This policy add-on also includes several other Mercury benefits at no extra cost, such as roadside assistance, trip interruption coverage, and more.
- Ride-Hailing: Extends your personal auto policy to protect you and your vehicle while you are driving for a ridesharing company such as Uber or Lyft. This coverage add-on costs as little as $0.20 a day.
- Mercury Commercial Auto Insurance provides basic coverage for vehicles used for business, including pickups, flatbeds, box trucks, utility trucks and more.
- Mercury RealDrive® Insurance for the occasional driver looking for a pay-per-mile insurance option. Your auto policy premium is based on how much you drive – the less you drive, the lower your premium.
Coverage details vary by state. Not all coverage options are available in all states.
Sample Mercury Insurance Quotes
WalletHub’s editors obtained sample Mercury car insurance quotes for six driver profiles, varying in age and driving record. Premiums, however, may vary by state and the level of coverage you decide to purchase.
|Age||Clean Driving Record||Poor Driving Record|
|21||$321 / month||$425 / month|
|30||$180 / month||$238 / month|
|42||$153 / month||$226 / month|
Learn more about how we obtained these sample quotes in the Methodology section at the end of the article.
Mercury Insurance Discounts
- Anti-Theft: Discount for having an anti-theft device in your vehicle. The amount of the discount varies.
- Auto Pay: Discount for setting up autopay for your premium payments.
- Pay in Full: Discount for paying your entire policy premium in one lump sum.
- E-Sign: Discount for signing your policy documents electronically.
- Multi-Car: Discount for insuring more than one vehicle with Mercury.
- Multi-Policy: Discount for having multiple insurance policies with Mercury (e.g., auto-home insurance bundle).
- Good Driver: Discount for maintaining a clean driving record.
- Good Student: Discount for students who maintain good grades in high school or college (e.g., “B” average or better).
- Professional Occupation: Discount for groups such as educators, engineers, doctors, and more.
Discount amounts vary. Not all discounts are available in all states.
Mercury Insurance vs. Popular Alternatives
|Average Annual Premium||$2,876||$3,546||$3,925||$3,422|
|WalletHub Ranking (total of 46 companies)/td>||7th||21st||26th||17th|
|Complaints Score (lower is best)||1.01||0.84||0.59||0.70|
To assess the relative strengths and weaknesses of Mercury auto insurance, WalletHub’s editors reviewed policies offered by the largest, most popular auto insurers in America. WalletHub’s auto insurance rating for Mercury is based on several factors that are important to auto insurance shoppers.
- Customer reviews
- Watchdog ratings
- Coverage options
- Coverage limits
- Claims process
- Customer service
To get a better sense of customer satisfaction with Mercury and other auto insurers, WalletHub provides a complaints score for each company. This score is the ratio of each insurer’s share of all U.S. car insurance complaints over its share of annual premiums for private passenger auto policies. In other words, the complaints score reflects the number of complaints adjusted to the size of the auto insurer, as larger companies tend to receive more complaints.
Assumptions for Mercury Car Insurance Quotes:
- Bodily Injury: $100,000/person & $300,000/accident
- Property Damage: $50,000
- Medical Payments: $5,000
- Uninsured/Underinsured motorist (bodily injury): $30,000/person & $60,000 per accident
- Comprehensive Deductible: $250
- Collision Deductible: $500 (deductible waiver option included)
For price comparison, WalletHub collected quotes from major auto insurers for at least 30 cities in California. We obtained quotes for a mix of driver profiles, varying in age and driving history, from the state regulator’s database. For the sample quotes, a good driving record assumes no accidents, while a poor record assumes at least one at-fault accident or one traffic violation. California was selected because it is the most populous state in the U.S., and it lands in the middle of WalletHub’s price rankings for car insurance.
For more car insurance research, check out WalletHub’s 2019 Cheap Car Insurance Study. If you have experience with Mercury car insurance that you think might help other consumers, you can also write a Mercury insurance review.
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