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Mercury Insurance review 2025

Updated Feb 01, 2025
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

3.6
Rating: 3.6 stars out of 5
Bankrate Score
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Auto

Rating: 3.5 stars out of 5

3.5

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Cost & ratings

Rating: 3.67 stars out of 5

3.7

Coverage

Rating: 2.5 stars out of 5

2.5

Support

Rating: 4.3 stars out of 5

4.3

Home

Rating: 3.6 stars out of 5

3.6

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Cost & ratings

Rating: 3 stars out of 5

3.0

Coverage

Rating: 3.67 stars out of 5

3.7

Support

Rating: 5 stars out of 5

5.0

About Bankrate Score

New

What’s new with Mercury?

Mercury car insurance review

Green circle with a checkmark inside

Pros

  • Rideshare insurance available
  • Local agents available in most states where Mercury writes policies
  • Optional roadside assistance coverage
Red circle with an X inside

Cons

  • No gap insurance available
  • Only available in a few states
  • No loyalty discounts
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Good driver, good credit
Mercury full coverage premium
$2,308
National full coverage premium
$2,670
Mercury full coverage premium
$3,155
National full coverage premium
$4,717
Mercury full coverage premium
$3,218
National full coverage premium
$3,255
Mercury full coverage premium
$4,340
National full coverage premium
$3,842
Mercury full coverage premium
$3,837
National full coverage premium
$5,185
*All rates displayed are average annual rates.
Mercury full coverage premium
$4,509
National full coverage premium
$5,743
Mercury full coverage premium
$3,969
National full coverage premium
$4,954
Mercury full coverage premium
$4,949
National full coverage premium
$5,429
Mercury full coverage premium
$3,071
National full coverage premium
$3,299
Mercury full coverage premium
$2,522
National full coverage premium
$2,855
Mercury full coverage premium
$2,308
National full coverage premium
$2,670
Mercury full coverage premium
$2,039
National full coverage premium
$2,405
Mercury full coverage premium
$2,308
National full coverage premium
$2,670
Mercury full coverage premium
$2,039
National full coverage premium
$2,405
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
$2,308
$713
$2,883
$912
$2,379
$710
$3,309
$923
$1,960
$564
$2,028
$741
$2,825
$910
$2,151
$588
$2,159
$705
$1,808
$494
$2,028
$741
$2,825
$910
$2,151
$588
$2,159
$705
$1,808
$494
*All rates displayed are average annual rates.
Bankrate and Coverage Logo

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with Mercury
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Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Mercury home insurance review

Green circle with a checkmark inside

Pros

  • Extended dwelling replacement cost coverage available
  • Valuable items coverage available
  • Protective devices and fire-resistance construction discounts available
Red circle with an X inside

Cons

  • Only available in 10 states
  • No loyalty discount available
  • 24/7 customer service not available
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$150K dwelling
Mercury average premium
$487
National average premium
$1,388
$300K dwelling
Mercury average premium
$749
National average premium
$2,258
$350K dwelling
Mercury average premium
$837
National average premium
$2,517
$450K dwelling
Mercury average premium
$1,010
National average premium
$3,039
$750K dwelling
Mercury average premium
$1,528
National average premium
$4,333
*All rates displayed are average annual rates.
$749
- $1,509
$2,002
- $256
$2,574
+ $316
$1,232
- $1,026
$2,062
- $196
$1,881
- $377
$3,096
+ $838
$1,833
- $425
$2,580
+ $322
$1,729
- $529
$1,881
- $377
$3,096
+ $838
$1,833
- $425
$2,580
+ $322
$1,729
- $529
Bankrate and Coverage Logo

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Mercury

Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Compare Mercury with other insurers

Badge Icon Featured

Mercury

Mercury
Rating: 3.6 stars out of 5
3.6
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Cost & ratings

Rating: 3.3 stars out of 5
3.3

Coverage

Rating: 3.1 stars out of 5
3.1

Support

Rating: 4.7 stars out of 5
4.7

Safeco

Safeco
Rating: 3.9 stars out of 5
3.9
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Cost & ratings

Rating: 3.3 stars out of 5
3.3

Coverage

Rating: 5 stars out of 5
5.0

Support

Rating: 4 stars out of 5
4.0

Progressive

Progressive
Rating: 4.1 stars out of 5
4.1
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Cost & ratings

Rating: 3.8 stars out of 5
3.8

Coverage

Rating: 4.3 stars out of 5
4.3

Support

Rating: 4.3 stars out of 5
4.3
OVERVIEW
Info Icon
Safeco Insurance offers many policy options and discounts for its policyholders. Like Mercury, tech-savvy policyholders may enjoy Safeco’s online capabilities. However, unlike Mercury, Safeco offers nationwide coverage. Safeco also offers more insurance products, including coverage for boats, classic cars, golf carts and recreational vehicles.
Similar to Mercury, Progressive offers a usage-based telematics program that may earn policyholders additional savings for practicing safe driving behaviors. But Progressive offers several other products, including dental, health, life, pet, travel and vision insurance for consumers who prefer using the same insurer for multiple needs.
STANDOUT FEATURES
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Loan Icon
Variety of coverage options
Dollar Icon
Claims-free cash back program
Dollar Coin Icon
RightTrack discount program
Auto Car Icon
Snapshot telematics program
Invest Portfolio Icon
Name Your Price shopping tool
Online Reviews Icon
Online quotes
AVG FULL COV. AUTO RATE
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No rates available $2,379
J.D. POWER AUTO SCORE
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687/1000 672/1000
AVG HOME RATE
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No rates available $2,580
J.D. POWER HOME SCORE
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851/1000 851/1000
AM BEST RATING
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A(Excellent) A+(Superior)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Mercury insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is Mercury a good insurance company?

Reddit user 1
Nov 1, 2023
I would avoid Mercury. We just switched to...
“I would avoid Mercury. We just switched to them about two months ago, and now switching again. They required me to remove one of my adult sons from my policy because he isn't in college. Then they said they were canceling me because I needed to have him on my policy. They also said that my other adult son, who is overseas serving in the Army, also needs to be on my policy. Mercury considers them both household members even though they both have their own homes in different states.”
Reddit user 2
Oct 1, 2023
I've had two to three claims with them my...
“I've had two to three claims with them my entire relationsihp with Mercury. All have been handled professionally, I was compensated when it was all concluded. Online agents are very helpful and quick. No complaints.”
Trustpilot user 1
Dec 1, 2022
Horrible experience with this company. Yes...
“Horrible experience with this company. Yes, they have lower monthly fees but this does you no good if something actually happens and you have to submit a claim. They will wrongfully deny your claim and then drop you due to damaged property if you don't pay out of pocket to fix it yourself. If you look at other reviews, it looks like this is a common practice with them. Also, their supervisors are incredibly condescending and rude.”
Trustpilot user 2
Jun 1, 2020
My mom has been in multiple accidents so our...
“My mom has been in multiple accidents so our premium is extremely high! How high? 5k+ annually. Last time she was in an accident, totaled the vehicle, and it was her fault. Mercury Insurance wrote us a 20k check so my mother can purchase a new vehicle. I have to give credit to Mercury Insurance for giving us excellent service. And yes we pay high premiums, but they always treat us fairly and customer service is superb. There's no hassle and headaches.”

Methodology

Auto

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Home

User Icon
40 year old
Married male and female homeowners
Logo for Brand name
2017 build year
Primary home
Credit Good Icon
Good credit score
Home Insurance Guide Icon
Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%

What policyholders are saying about Mercury

CTA Mercury has 25 reviews

Mercury has 25 reviews

Dive into community reviews below and see what others think about Mercury.

4.4 Star Icon
25 ratings
Info Icon
88% of consumers
recommend this insurer
Score breakdown
5 stars
48%
4 stars
40%
3 stars
12%
2 stars
0%
1 star
0%
Score by category
Overall rating 4.4 / 5
Original cost 4.2 / 5
Coverage 4.4 / 5
Customer Support 4.3 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Community Reviews

See what users like you are saying about Mercury.
Search Icon
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Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Cheapest
How does this insurer compare to insurance companies you’ve had in the past?
Best customer service
Insurance Type
Auto
Score by category
Original cost 2 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They had good rates
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Good rates for their insurance
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
It’s one of the best ones. I shopped around for weeks and this one had the best custimer service and price.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Amazing customer service.
Insurance Type
Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
My premiums went way yo and a friend recommended mercury.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The cost and sign up process are great. The customer service citing be better.
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
There very helpful and do their job
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
It gives me insight on allot and I love everything about it
Insurance Type
Home
Score by category
Original cost 2 / 5
Customer Support 4 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Because I was able to bundle for A better price and still get the same amount of coverage
How does this insurer compare to insurance companies you’ve had in the past?
This company is much better in value as compared to others. This company should be the standard
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Better customer service lower prices
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Stay customer service leave too expensive
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
By recommendation
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
It's a good company
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
It was affordable
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The price for coverage is the reason I stay. If the prices went competitive then I would leave.
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 2 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Best price for coverage
How does this insurer compare to insurance companies you’ve had in the past?
Close to the same
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 4 / 5
Written by
Ashlyn Brooks
Writer II, Insurance
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor, Insurance