What Discounts Does Mercury Offer?

Yes, Mercury insurance rates are competitive for some drivers, including seniors, teens, and high-risk drivers. Mercury car insurance costs an average of $675 annually, or $56 per month.

Mercury's car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact your final quote, as do your eligibility for discounts.

Sample Mercury Car Insurance Rates

These sample quotes are representative of Mercury's insurance prices, but individual results will vary. To learn more about how we obtained these sample quotes, check out the methodology section of our complete Mercury car insurance review. 

Mercury does not advertise a marriage discount, though married drivers do pay less for Mercury car insurance than single drivers, on average. For example, a 45-year-old married driver with a good record on the road pays an average of 14% less for Mercury coverage than the same driver without a husband or wife. Married people also typically qualify for more Mercury discounts, like the multi-vehicle and multi-policy discounts.

Married couples tend to be more careful on the road and get into fewer accidents, which translates into lower Mercury rates. But there are some exceptions, and sometimes a shared policy can be more expensive. If your spouse has a poor driving record or is considered a high-risk driver for another reason, you could pay more for your Mercury policy.

To get a Mercury quote, you can go online or call (800) 956-3728.

Yes, Mercury has a multi-car discount. To qualify for the Mercury multi-car discount, a customer must insure more than one vehicle on the same Mercury auto insurance policy. The discount automatically applies to a qualifying Mercury policy, but it does not compound, meaning you won't get a bigger discount for insuring more vehicles.

In addition to Mercury's multi-car discount, the company offers other ways for customers to save money on their premiums, such as the multi-policy discount, good driver discount, and anti-theft feature discount, among others. For more information, check out the complete list of Mercury discounts. And if you're unsure whether a discount that you qualify for is being applied to your policy, you can contact Mercury by calling 1 (800) 503-3724.

Mercury offers a good driver discount but does not advertise a specific amount, since it varies by state. In order to receive a Mercury good driver discount, drivers must be accident and violation-free for three years. This can even include time that you've been insured by another company.

After get into an accident or get a ticket, you will have to wait three years  in order to qualify for the discount again.

If you don't qualify for Mercury's good driver discount, there are still ways to save on your premium. For example, Mercury offers a multi-vehicle discount for drivers who insure more than one vehicle on their policy. You can also lower your rate by altering your coverage or increasing your deductible.

To learn more, check out WalletHub's guide to Mercury discounts.

No, Mercury does not offer a military discount to its customers. Some auto insurance companies, including six of the top 10 providers, do offer discounts that are exclusively available to members of the military community and their eligible family members, but Mercury isn't one of them.

While Mercury does not offer a military discount, specifically, the company does offer a wide variety of other discounts that can help drivers save money. To learn more, check out WalletHub's Mercury review.

You can get a Mercury safe driver discount by staying accident and violation-free for three years. Mercury calls its safe driver discount a “good driver discount,” and it rewards drivers for staying safe on the road, though exact amounts vary between states.

If you don't qualify for the Mercury safe driver discount, there are still ways for you to save on your premium. For example, Mercury offers a multi-car discount for drivers who insure more than one vehicles in their household.

To learn more, check out WalletHub's guide to Mercury discounts.

Yes, Mercury offers a defensive driving course discount, but only in states that legally mandate it. Thirty-four states and the District of Columbia require insurance companies to provide a defensive driving discount to eligible drivers, though exact discount amounts and requirements vary.

If Mercury does not offer a defensive driving discount in your state, you should still consider taking a course. By going to traffic school, you can learn how to better avoid at-fault accidents and moving violations, which would increase your Mercury premium. In some states, defensive driving courses can even reduce points on your license or prevent a moving violation from going on your record.

Mercury also offers a good driver discount for drivers who stay accident and violation-free, so learning more about safe driving could help you save long-term.

To learn more, check out WalletHub's guide to Mercury discounts.

Mercury is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from Mercury costs an average of $56 per month, and Mercury premiums can be made even cheaper by taking advantage of discounts such as paid-in-full discount and anti-theft device discount. Plus, Mercury rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.

Average Monthly Rates for Mercury vs. Top Competitors

Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though Mercury is among the cheapest car insurance companies, the only way to confirm you've found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub's review of Mercury and see Mercury's full profile.

No, Mercury does not offer a specific low mileage discount. Mercury premiums do take mileage into account, however, as rates are an average of 10% lower for customers who drive 7,500 miles annually than for customers who drive 15,000 miles annually, according to WalletHub data.

Low mileage drivers usually save on their Mercury premium because less time on the road means a smaller chance of filing a claim. Besides offering lower premiums for low mileage drivers, Mercury offers good student, auto pay and pay in full discounts, among others.

It's also worth noting that Mercury has a usage-based insurance program called MercuryGO, which can help low mileage drivers save money. MercuryGO tracks mileage and other driving habits, saving policyholders up to 50%.

To learn more, check out WalletHub's guide to Mercury discounts.

No, Mercury does not offer a new car discount, unlike three of the 10 largest car insurance companies. But policyholders can still find other ways to lower their Mercury premium, such as by taking advantage of their anti-theft features discount, multi-car discount, or good driver discount.

For more information about saving on your insurance, check out WalletHub's complete guide to Mercury discounts.