Reviews Report

• As of 2025, recent analyses place Mercury’s average full coverage premium for a good driver roughly between about $1,900 and $2,450 per year, with minimum coverage commonly around $600–$975, depending on methodology and state mix (NerdWallet; Bankrate; Forbes Advisor).
• Mercury continues to offer a relatively limited set of discounts and add-on coverages compared with larger national carriers; its notable discount avenue is the app-based telematics program MercuryGO, and typical add-ons include roadside assistance, rental reimbursement and a rideshare endorsement (NerdWallet; Forbes Advisor; Bankrate).

Mercury car insurance is a no-frills option focused on core, state-required coverage in a limited set of states (see availability). Average premiums have risen since 2021 amid broad market increases (BLS CPI: motor vehicle insurance), and for many good-driver profiles today, recent datasets place Mercury’s full-coverage costs in the low-$2,000s per year (NerdWallet; Bankrate). The company’s add-on menu remains comparatively limited, and industry surveys show ongoing satisfaction pressure tied largely to pricing (J.D. Power). On financial strength, Mercury’s insurance companies hold an A (Excellent) AM Best rating with a Stable outlook, indicating an excellent ability to meet ongoing obligations (AM Best definitions).

We created a Mercury car insurance review based on third-party ratings, discounts, coverage options, accessibility, recent satisfaction and shopping indicators, and regulatory complaint data (e.g., J.D. Power Insurance Shopping Study; NAIC Consumer Insurance Search).

Mercury car insurance may be a good option for high-risk drivers who typically pay more for car insurance as well as budget-conscious car owners in search of the lowest premiums possible. Customer experience results vary by region; the latest J.D. Power U.S. Auto Insurance Study highlights industrywide satisfaction pressure tied to pricing, so it’s wise to check current regional rankings for your state (J.D. Power).

In addition, the NAIC keeps records of policyholder complaints for the largest car insurance carriers and assigns a complaint index score to better compare how a car insurance company performs when it comes to policyholder issues. You can view Mercury’s latest private passenger auto complaint index in the NAIC’s database here: NAIC Consumer Insurance Search (values above 1.00 indicate more complaints than expected for the company’s market share).

Mercury’s Car Insurance Bundling Discounts for Cheaper Insurance

Mercury Insurance is best known for vehicle coverage. It’s what the company started selling when it was founded. However, the carrier expanded into homeowners insurance (About Mercury). Now, drivers can buy car, renters, condo, homeowners, umbrella, business, and landlord insurance as well. 

Bundling more than one coverage with Mercury has its advantages. Mercury advertises multi-policy savings when customers bundle home and auto together, though actual discounts vary by state and profile. Across the industry, typical bundle savings generally fall in the 5%–25% range (Forbes Advisor; Bankrate; NerdWallet). Plus, drivers can simplify their coverage needs by managing policies and insurance premium bills from one company, in one place.

Information accurate as of November 2025

*J.D. Power 2025 U.S. Auto Insurance Study average rating across regions. Based on a 1,000-point scale.

Mercury vs. Travelers

Both Mercury and Travelers insurance offer rideshare coverage for drivers and delivery workers. However, Travelers has more car insurance policy options and discounts than Mercury. Travelers offers loan/lease gap, accident forgiveness, and new car replacement coverage (Travelers auto coverages), while Mercury generally focuses on a smaller set of add-ons. For satisfaction comparisons, consult the latest regional results in the J.D. Power U.S. Auto Insurance Study.

Mercury vs. Geico

Cost-conscious car owners are probably familiar with both Geico car insurance and Mercury car insurance companies. They both advertise cheap vehicle coverage, although Geico is available nationwide compared to Mercury, which operates in 11 states. Geico also offers a wider set of options, including its DriveEasy telematics program and Mechanical Breakdown Insurance for eligible vehicles (GEICO auto), while Mercury emphasizes core coverages with optional roadside assistance, rental reimbursement and rideshare endorsements.

Mercury vs. Auto-Owners

Mercury is at a disadvantage when compared to Auto-Owners insurance. Auto-Owners has a strong financial strength rating and a broad menu of optional coverages and discounts, plus its TrueRide telematics program (Auto-Owners auto). Mercury’s add-on list is narrower by comparison, though it offers a rideshare endorsement and a telematics program (MercuryGO) in participating states.

Mercury Car Insurance FAQ 

Methodology

We evaluated Mercury based on discounts, coverage, online resources, financial strength, and customer satisfaction to create our best car insurance reviews. To compare car insurance companies with other providers across the board, we analyzed:

• Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
• Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
• Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its 2025 U.S. Auto Insurance Study to compare the average rating of insurers across all regions.
• Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision, and personal injury protection.
• Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.

As for average pricing, we used Bankrate.com’s current dataset of car insurance to provide directional averages and comparisons across companies and coverage levels (Bankrate).

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a Toyota Camry, commute five days a week and drive 12,000 miles annually. 

These are sample rates and should only be used for comparative purposes.

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