Mercury Insurance Review 2026

Our take

Mercury may offer affordable coverage but lacks unique coverage add-ons and discounts. The insurer is available in a limited number of states.

Pros:

• Good financial strength rating.
• Relatively wide variety of discounts and optional coverages.

Cons:

• Only available in 11 states.
• Low claims satisfaction score from J.D. Power.
• Lacks unique discounts and optional coverages.

Mercury car insurance review

Jerry did not give Mercury a star rating due to a lack of available data. Each year, Jerry revises its rating system and may rate this insurer in the future.

Mercury provides somewhat customizable insurance and offers discounts that may benefit drivers with good habits. The insurer received overall positive ratings from Jerry customers and is rated as financially strong by AM Best, however, Mercury has a higher-than-average complaint index and a low claims satisfaction rating from J.D. Power.

Mercury car insurance is available in 11 states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia. Consumers can get a policy online, over the phone or via a local agent.

Who is Mercury best for?

Mercury may provide affordable coverage for consumers in the few states where the insurer operates. The company’s discounts and telematics program may be ideal for drivers with a clean record who maintain good driving habits.

Because insurers’ policy options and pricing can vary, it’s a good idea to get quotes from multiple companies to find your ideal coverage at the most affordable rate.

How much does Mercury car insurance cost?

The average cost for state minimum car insurance coverage with Mercury is much cheaper than the national average, according to aggregate data collected from over 400,000 policies quoted to real customers via Jerry in 2024 from 24 different insurance companies.

Your premium is determined by a number of factors, including your age, location, the type and age of vehicle you drive, your driving record, other drivers on your policy, the amount of coverage you require, and your deductible.

Mercury car insurance discounts

Mercury has a shorter list of discounts than some of its competitors and isn’t as specific about how to qualify for some of them. Here’s how the insurer says you could lower your premium:

• Have anti-theft features on your vehicle.
• Set up automatic bill payments.
• Electronically sign your documents.
• Go a period without an accident or citation; the company doesn’t specify how long.
• Insure a “good student” with a GPA of at least 3.0.
• Have multiple vehicles on your policy.
• Bundle your auto and a home, condo or renters insurance policy with Mercury.
• Pay your full premium up front.

Does Mercury offer insurance based on driving behavior?

Yes. The MercuryGO app gives drivers skill scores and real-time feedback while they drive. Policyholders get a discount for signing up. Here are the behaviors it monitors:

• Braking and acceleration.
• Speed.
• Corner speed.
• Phone handling while driving.

When it’s time to renew your policy, the app will consider your scores from the last 91 days to evaluate whether you’ll receive an additional discount.

This program is available in Arizona, Florida, Georgia, Illinois, Nevada, New Jersey, Oklahoma, Texas and Virginia.

Mercury car insurance coverage options

Like most insurers, Mercury offers collision, comprehensive, liability for bodily injury, liability for property damage, medical expense, personal injury protection and uninsured/underinsured motorist.

• Coverage definitions

  • Coverage Definitions

    Bodily injury liability (BI)

    • Who it pays: The other person, for injuries when you’re at fault in a crash.

    • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

    • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

    • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

    Property damage liability (PD)

    • Who it pays: The other person, for property you damage in a crash.

    • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

    • How it pays: Up to your policy’s limit. For example, $50K.*

    • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

    *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

    Collision

    • Who it pays: You, for damage to your own car.

    • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

    • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

    • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

    Comprehensive

    • Who it pays: You, for damage to your own car.

    • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

    • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

    • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

    Uninsured/underinsured motorist (UM/UIM)

    • Who it pays: You and your passengers, for injuries and property damage.

    • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

    • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

    • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

    Personal injury protection (PIP)

    • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

    • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

    • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

    • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

    Medical payments (MedPay)

    • Who it pays: You and your passengers, for medical bills.

    • What it covers: Medical expenses after an accident, regardless of fault.

    • How it pays: No deductible. Pays up to your policy’s limit.

    • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

The insurer also offers the following optional coverages:

• Roadside assistance covers calls for help if your car becomes disabled while you’re away from home and you need a tire change, fuel delivery, locksmith or tow.
• Custom equipment coverage pays for damages to upgrades you make after purchasing the vehicle, such as a custom infotainment system.
• Rental car reimbursement provides a rental car while your vehicle is being repaired.
• Rideshare coverage covers those who work for ride-hailing and delivery services during the time between requests, when they’re waiting for an assignment. The company says this could cost as little as $0.90 per day.
• Gap insurance pays the difference between what you owe on a financed vehicle and its current value if it’s totaled.

Mercury’s selection of add-ons is helpful but not necessarily unique. Other major insurers offer most of these coverages.

Industry ratings of Mercury car insurance

Mercury has received mixed reviews in industry reports. It has gotten slightly more than its share of consumer complaints and fared poorly in J.D. Power’s auto claims satisfaction survey, but did about average with the CRASH Network and AM Best.

• CRASH Network details

  CRASH Network, an automotive industry trade publication, gives Mercury a C+ in its 2024 Insurer Report Card. The report card asks more than 1,000 collision repair professionals across the United States “how well an insurer’s claims handling policies, attitude and payment practices ensure quality repairs and customer service for motorists.”

  Mercury is ranked No. 58 out of 88 insurers rated.

  For 2026, the CRASH Network’s survey received responses from 1,107 repair professionals. Insurers that received a grade from at least 35 respondents were included in the 2026 report card. Read more about the report card methodology on the CRASH Network’s website.

• J.D. Power details

  Mercury has the lowest score of 21 insurers rated in J.D. Power’s 2024 Auto Claims Satisfaction Study. The insurer earned a 663 out of 1,000 for claims satisfaction, placing it at the bottom of the list. This survey measures customer satisfaction with their insurers’ claims process, which may be one of few interactions they’ll have with the company during their policy.
  

  J.D. Power is a market research company that evaluates customer satisfaction and industry performance across multiple sectors.

• AM Best details

  AM Best gives Mercury a financial strength rating of A, which means it has an excellent ability to pay out claims. The highest an insurer can score is A++ and the lowest is D, so while Mercury’s rating isn’t low, it could be higher.
  

  AM Best is a credit rating agency that specializes in insurers’ ability to meet their financial obligations.

Customer reviews of Mercury

Hundreds of Jerry customers have used and reviewed Mercury’s auto insurance and have given the company a relatively good overall score.

4.2

316 Reviews

Jerry customer reviews of Mercury

5 Stars

56%

4 Stars

23%

3 Stars

13%

2 Stars

4%

1 Star

3%

How to contact Mercury

Mercury recommends customers log in to their account to make payments or review their policy documents. Policyholders can also view coverage details on the Mercury mobile app. The insurer’s website allows customers to communicate with its chatbot or fill out a contact form.

You can find contact information for Mercury at on its website (https://www.mercuryinsurance.com/contact.html). The number for the claims department is 800-503-3724.

Methodology

Statistics, rates and conclusions in this article are based on Jerry’s proprietary database of real-world car insurance quotes, not third-party models or estimates. As a licensed insurance broker in all 50 states, Jerry has firsthand visibility into how quotes are generated and validated, and all data is aggregated and anonymized to protect privacy. With millions of quotes delivered each year (often multiple offers per driver), our datasets are large enough to avoid bias toward any one region, insurer or driver type.

Unless otherwise indicated, quotes shown are from drivers with clean records in the last 12 months. Quotes involving accidents, violations or credit use the last 18 months to ensure a reliable sample.

How we rate car insurance companies

Jerry’s team of car insurance expert writers and editors analyzes real customer ratings, regulatory data and industry reports to evaluate each insurer across the factors that matter most when shopping for and using auto insurance: claims handling, customer satisfaction, complaint volume, coverage breadth, cost and discounts, financial stability and direct customer feedback from Jerry shoppers.

To calculate our 2026 Jerry Score rating, we analyzed over 1,200,000 actual policy quotes for real Jerry customers last year, across 100+ different insurers. This was used alongside data from independent industry sources covering financial strength, claims handling, customer satisfaction and customer complaints to create a proprietary score for our top insurance companies.

We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date. Each factor rolls up into a weighted composite score on a 1 to 5 scale.

What we measure

• Claims and repair experience (16%)
  • J.D. Power Auto Claims Satisfaction Study (5%)
  • CRASH Network Insurer Report Card — collision repair professionals’ ratings of how well insurers’ practices support quality repairs (4%)
  • J.D. Power U.S. Auto Insurance Study — regional customer satisfaction with policy experience (7%)
• Customer complaints (11%)
  • NAIC Complaint Index — current complaint volume relative to industry average (8%)
  • NAIC three-year trend — direction of complaint volume over time (3%)
• Cost and value (11%)
  • Loss ratio — share of premium dollars paid out in claims, with scoring tuned to identify insurers in the healthy 65% to 78% middle ground (5%)
  • Discount and program density — count of available discounts and savings programs (6%)
• Financial stability (15%)
  • AM Best Financial Strength Rating (12%)
  • AM Best Outlook (3%)
• Coverage and features (13%)
  • Breadth of optional coverages, telematics programs and rider availability
• Customer experience (24%)
  • Clearsurance peer reviews — aggregated policyholder ratings (10%)
  • Mobile app — availability and average rating across iOS and Android (7%)
  • Better Business Bureau rating (7%)
• Jerry customer reviews (10%)
  • Direct feedback from Jerry customers who hold or have held a policy with that insurer

Insurers must have data coverage of at least 60% across these measures to receive a composite score.

Editorial integrity

We’re all about balanced, unbiased and helpful content at Jerry. None of our articles are sponsored by advertisers or insurance companies, so you can trust the information we provide. As a comparison platform that works with 100+ insurers, Jerry has no reason to favor one insurer over another. Our job is to help you find the best fit for your situation.

Jerry does earn a commission from insurers when you purchase a policy through our platform. This does not affect our editorial ratings or insurer assessments, though, which are determined independently by our insurance experts. Click to read more about Jerry’s data gathering and verification processes.

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Why you can count on Jerry’s articles

Why you can count on Jerry’s articles

Our goal is clear, trustworthy information.

Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.

Our experts

Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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Kevin Berry

Kevin Berry is the Senior Director of Content at Jerry and has been working in the digital content space since 2011 across the car insurance/repair, personal finance, travel and sports industries. Prior to Jerry, Kevin was a content team lead at NerdWallet overseeing the Multimedia Production and Travel Rewards teams. Previously, he worked for NBC Sports, Comcast Cable and Nike. He has a Master`s Degree from Arkansas State and a Bachelor`s from Oregon State University.

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