Mercury Insurance review 2025

Mercury car insurance cost

The average rates for Mercury car insurance are slightly more competitive than the national average. Minimum coverage with Mercury averages $723 per year, compared to the national average of $800 per year. Similarly, Mercury’s full coverage costs $2,338 per year, on average, which is less than the national average full coverage premium of $2,685 per year.

However, auto insurance companies base rates on numerous factors. The price you pay may be more or less than these averages depending on your individual circumstances, such as your claims history, driving record and the types of coverage you choose to include in your policy.

How much is Mercury car insurance? 

To determine average rates for specific driver profiles, Bankrate analyzed rate data provided by Quadrant Information Services. For instance, we examine average premiums offered to drivers with a clean driving record and those for motorists with a moving violation such as an at-fault accident or speeding ticket. Note that some insurance companies will not write policies for drivers with a history of DUI violations. If you have a DUI on your driving record, speak with a Mercury insurance agent to find out if you qualify for a car insurance policy.

Mercury car insurance quotes by age

Age is a factor insurance companies examine when determining premiums in most states. Statistically, young drivers under the age of 25 have more accidents than mature drivers. Young drivers who maintain a clean driving record typically see a rate decrease after age 25, However, young drivers on either their own or their parents’ policy will usually see higher premiums, including with Mercury car insurance.

Compare Mercury car insurance rates

When shopping for car insurance, it's important to compare rates across different companies, as premiums can vary significantly based on several factors including location, vehicle type and coverage levels. In this section, we compare Mercury Insurance rates for both full and minimum coverage against 10 major insurers. This comparison will help you understand where Mercury stands in terms of pricing within the market. Keep an eye on the table below to compare Mercury's rates against other big-name insurance providers, to help determine which might be the cheapest option for you.

Mercury customer satisfaction

When shopping for insurance, third-party reviews and evaluations can help you determine which carrier can best meet your needs. Sources like J.D. Power, which surveys customer satisfaction from policyholders of top insurers, can assist in evaluating an insurer’s ability to provide good customer care and quality claims.

Mercury auto claims satisfaction

Mercury was included in the 2024 J.D. Power U.S. Auto Claims Satisfaction Study, but ranked below the industry average, with an overall customer satisfaction score of 663 out of 1,000, indicating customers may not be satisfied with its handling of auto claims.

Mercury auto insurance customer complaints

Mercury car insurance discounts

In addition to its competitive rates, Mercury Insurance offers car insurance discounts to help drivers save on premiums. Among them are a few that are particularly easy to qualify for, depending on your driving habits or vehicle features.

Keep in mind that discounts may vary by state. A local Mercury agent can help you determine which discounts you may qualify for, or you can fill out a quote form online and see which discounts apply automatically.

• Anti-theft discount: If your vehicle is equipped with mechanisms such as a GPS tracker or car alarm, you may qualify for the anti-theft discount.
• E-signature discount: Drivers could earn a discount by signing an online digital copy of their insurance documents online.
• Multi-policy discount: Policyholders who bundle auto and condominium, home or renters insurance policies may qualify for a discount on their car insurance.
• Multi-car discount: Drivers who have multiple vehicles on one policy could save on Mercury Insurance
• Good driver discount: If you have any drivers on your policy who have gone for a prolonged period of time without getting a ticket or getting in an accident, you may be eligible for a discount.
• Autopay discount: You can potentially save off your Mercury policy when you sign up for automatic payments
• Good student discount: Students on your policy who qualify as a “good student” might help you save money on your plan.
• Pay in full discount: When you pay for an entire auto insurance term all at once, you can save money in the long run. Plus, you won’t have to remember to make monthly payments.

Mercury home insurance cost

Mercury’s average annual home insurance premium is $744 for $300,000 in dwelling coverage. To compare, the national average cost of homeowners insurance is $2,267 per year for the same level of coverage. Keep in mind that many home insurance companies offer more optional coverage types than Mercury, which may be a tradeoff to consider when considering a cheaper home insurance company.

Compare Mercury homeowners insurance rates

When exploring your best homeowners insurance options, you’ll likely notice that rates can vary significantly from one insurance company to another. Mercury Insurance is just one of several providers we'll compare in the table below, which includes a total of 10 major insurers. This comparison aims to highlight how Mercury's rates for homeowners insurance stack up against other well-known companies in the industry. By examining these comparisons, homeowners can better gauge where Mercury stands in terms of cost-effectiveness and value in the broader insurance market.

Mercury customer satisfaction

When looking at Mercury insurance reviews, Mercury did not earn a ranking in J.D. Power’s 2024 U.S. Property Claims Satisfaction Study and it ranked near the bottom in J.D. Power’s 2024 U.S. Home Insurance Study. These third-party assessments typically offer valuable insights into a company's service quality and customer handling.

Mercury home insurance customer complaints

Mercury home insurance discounts

Mercury has a number of home insurance discounts available. Talk to your agent when you are going through the quote process to find out which discounts are available in your state. If you are a current policyholder, you can reach out to your agent to find out if there are any discounts that can be applied to your policy. Some of the discounts offered by Mercury include the following options:

• Loss-free discount: If you haven’t filed a claim in three or more years before your Mercury policy’s effective date, you may qualify for a discount.
• Water leak detection discount: This discount may be available to homeowners with automatic water shut-off systems or systems that notify a third party when a leak occurs.
• Safety and security devices discount: Homes equipped with devices such as smoke alarms, sprinkler systems and burglar alarms might qualify for a discount.
• New home discount: Purchase a home that is less than 10 years old, and Mercury might reward you with a home insurance premium reduction.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate Score

• Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.