Mercury Insurance Review (2025)
- Overall rating: good (3.3/5 stars)
- Average cost: $1,411 for a 6-month policy
- 88.5% of customers recommend Mercury
Read more below to get a quote directly from Mercury.
Mercury Insurance: A good choice for drivers in covered states
Mercury offers a full range of auto insurance options, a variety of discounts, and a generally positive reputation for customer service — though often at a higher price point. It's only available in select states, but customer satisfaction remains strong overall, earning Mercury a good rating from The Zebra.
Mercury insurance is available in California, Florida, Georgia, New Jersey, and Oklahoma.
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Ease of Filing a Claim: Multiple filing options make submitting claims simple and quick.
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Market Stability and Longevity: Established history suggests reliable long-term coverage.
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High policy prices: Mercury customers are paying a much higher than average rate when it comes to the average cost of their 6 month policy.
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Integration with Other Platforms: No integration means managing insurance separately from other accounts.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Mercury car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Mercury is about $1,411.[1]
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how Mercury stacks up against competitors →
Discounts offered at Mercury: more options than competitors
Some standard discounts are offered by Mercury, and it's always smart to look into those for which you qualify. Keep in mind these discounts may vary by location. Mercury offers a number of other money-saving discounts that you could be eligible for, including those for automatic payment, good student and occupation-based savings.
Get an introductory 5% off by enrolling in this program, which determines your rate based on the mileage you report to Mercury.
Bundle multiple policies from Mercury, like auto and homeowners, and you can get up to 15% off.
If you have a clean driving record, you might be eligible for a good driver discount on your Mercury insurance policy.
| Anti-Theft Feature | Good Student |
| Auto Pay | Multi-Car |
| E-Signature | Multi-Policy |
| Good Driver | Pay in Full |
| Electric Vehicle | Good Payer |
| Distant Student | |
To learn more about each discount Mercury has to offer, see their discounts page.
Compare with other companies
See how Mercury stacks up against similar companies
Cost: $1,411 average cost for a six month policy
Customer satisfaction: Medium
Our take:
- Limited availability
- Above Average claims satisfaction
- Higher than average premiums
Cost: $954 for a six month auto policy
Customer satisfaction: High
Our take:
- Cheaper prices than Mercury
- Better service accessibility & support quality scores than Mercury
- Worse bundling options than Mercury
Cost: $1,134 average cost for a six-month policy
Customer satisfaction: High
Our take:
- Cheaper prices than Mercury
- Better digital experience scores than Mercury
- Better likelihood to recommend than Mercury
Mercury's customer service & claims experience: An above average experience
Mercury's customer service scored above average in both support quality along with claims. From the beginning , whether its a policy question or trying to get a quote, the agents are there to help through the process. Once you have a policy, you'll be glad to know they wil be just as helpful if you need to file a claim.
Good insurance company
"Good insurance company. I just wish the rates would stop increasing. I've never had a ticket or an accident."
-Trustpilot
Quick claims handling
They handle claims firsthand. An adjuster is assigned to you in one day or less. Helpful and fast claim service.
-Trustpilot
Confusing directions caused me to switch
I’d avoid Mercury. We switched to them two months ago and are already switching again. They made me remove one of my adult sons from the policy because he’s not in college — then threatened to cancel us for not having him listed. They also insisted my other son, who’s deployed overseas with the Army, had to be on the policy too. Mercury counts them as household members, even though they live in different states.
Mercury Customer Survey results
88.5% of customers recommend Mercury
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how Mercury was rated in individual categories by expanding the section below.[2]
Source: The Zebra
How much will your rates climb after filing a claim with Mercury?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $1,439 |
| One comp claim | $1,749 |
| Two comp claims | $1,914 |
| At-fault accident - $1000-$2000 | $2,240 |
| At-fault accident - greater than $2000 | $2,299 |
Source: The Zebra
Mercury’s claims process is available online and through their mobile app, offering convenience for policyholders. They provide step-by-step support to keep you informed and help answer any questions along the way.
Coverage options: Flexible and customizable
Another vital element of Mercury's review is the coverage that they offer.
Mercury offers the standard suite of coverage options offered by typical auto insurance companies: comprehensive, collision, liability, medical payments, personal injury protection (PIP), uninsured and underinsured motorist coverage, and roadside assistance. Additional coverage options are detailed below.
Carrier pulse: Recent news from Mercury
- Mercury Insurance and Anaheim Ducks Launch Hall of Heroes to Honor Orange County's Everyday Champions.[3]
Final thoughts: Is Mercury Right for You?
Mercury is a well-reviewed insurance company that offers many types of coverage options somewhat affordable prices. The company's bundling options and telematics program give customers a lot of options in how they obtain coverage. Put simply, The Zebra believes that Mercury is a great option for a many customers
Frequently Asked Questions about Mercury
Get quotes from Mercury and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
Mercury Insurance and Anaheim Ducks Launch Hall of Heroes to Honor Orange County's Everyday Champions. ABC 8 News
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.