- Mercury auto insurance: Overall verdict
- Mercury availability and average premiums by state
- What auto insurance coverages does Mercury offer?
- How does Mercury rank?
- How much is Mercury auto insurance?
- Mercury car insurance costs by state
- Mercury car insurance costs for teens
- Mercury car insurance costs for adults
- Mercury car insurance rates for drivers with tickets, accidents and poor credit
- Mercury insurance discounts and ways to save
- What do people ask about Mercury?
- Sources & Methodology
Mercury auto insurance: Overall verdict
Mercury scores very well for trust and ease of service, but high rates impacted its score. As a regional carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., we didn’t rank it against national companies, but it scored at the bottom compared to other regional carriers.
Mercury has a J.D. Power auto claims satisfaction score of 701/1000 for claims satisfaction, which is slightly above the average of 700. It has an AM Best Score of A, which shows an excellent ability to meet financial obligations such as paying out claims. Mercury’s National Association of Insurance Commissioners (NAIC) Complaint Index score, which is based on the number of complaints filed against them, is 1.072. Scores higher than 1.0 mean more complaints than expected based on market share.
In general, Mercury has a good reputation, but it also has higher-than-average rates, so it may not be the right choice if cost is your top priority.
- Most trustworthy company in the entire survey
- High ease-of-service score
- Strong customer satisfaction and policy offerings
- Solid claims-handling performance
- At $270 per month, it is the most expensive carrier in our survey
- Lowest score for teens and young drivers as well as for seniors
Mercury availability and average premiums by state
Mercury car insurance is available in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia.
| State | Coverage | Average annual premium |
|---|---|---|
| Arizona | - | - |
| California | Full coverage | $2,031 |
| California | Liability-only coverage | $766 |
| California | Non-Owners | $304 |
| California | State minimum | $458 |
| Florida | Full coverage | $3,358 |
| Florida | Liability-only coverage | $2,007 |
| Florida | Non-Owners | $815 |
| Florida | State minimum | $1,020 |
| Georgia | Full coverage | $2,219 |
| Georgia | Liability-only coverage | $835 |
| Georgia | Non-Owners | $581 |
| Georgia | State minimum | $667 |
| Illinois | - | - |
| Nevada | Full coverage | $2,156 |
| Nevada | Liability-only coverage | $1,018 |
| Nevada | Non-Owners | $459 |
| Nevada | State minimum | $631 |
| New Jersey | - | - |
| New York | - | - |
| Oklahoma | Full coverage | $2,237 |
| Oklahoma | Liability-only coverage | $564 |
| Oklahoma | Non-Owners | $267 |
| Oklahoma | State minimum | $343 |
| Texas | - | - |
| Virginia | - | - |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
What auto insurance coverages does Mercury offer?
Mercury offers a full range of car insurance policies to meet most drivers’ needs, but it has fewer options than most competitors.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- Rental reimbursement
- Roadside assistance
- Ride-hailing insurance
Offerings vary by state.
How does Mercury rank?
Mercury was not ranked in the best car insurance companies of 2026 list because it’s a regional carrier, but landed at No. 7 among the regional carriers we compared. It scored highly for customer trust and ease of service, but was outscored for customer satisfaction by several other regional carriers.
Take a look at the table below to see how Mercury compares to other regional carriers.
| Company | AM Best | Customer satisfaction | NAIC | Monthly premium | Overall score |
|---|---|---|---|---|---|
| Company | AM Best | Customer satisfaction | NAIC | Monthly premium | Overall score |
| Mercury | A | 89% | 1.072 | $270 | 3.56 |
| Auto-Owners | A+ | 86% | 0.443 | $171 | 4.55 |
| Erie | A | 92% | 0.772 | $159 | 4.5 |
| American Family | A | 84% | 0.669 | $159 | 4.44 |
| Auto Club Group (AAA Midwest/South) | A | 89% | 0.684 | $185 | 4.3 |
| Auto Club Enterprises (AAA SoCal) | A+ | 90% | 1.293 | $243 | 3.76 |
| CSAA Insurance Group (AAA NorCal/NV/UT) | A | 92% | 1.021 | $251 | 3.68 |
*The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-expected number of complaints for its market share.
How much is Mercury auto insurance?
Mercury’s rates are higher than the national average. The average cost of a full coverage policy for a 40-year-old driver with Mercury is $3,237. Compare that to Progressive, which has an annual average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $2,675, and State Farm, which has an average premium of $2,874.
The table below shows how they compare in terms of price. Premiums are based on 100/300/100 in coverage with $500 deductibles for a 40-year-old driver with a good driving record. Remember, prices vary depending on your age, where you live, and your driving record.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Mercury Insurance | $3,237 | $270 |
| American Family | $1,912 | $159 |
| Auto Club Enterprises (AAA) | $2,917 | $243 |
| Auto Club Group - ACG (AAA) | $2,223 | $185 |
| Auto-Owners | $2,051 | $171 |
| CSAA Insurance (AAA) | $3,010 | $251 |
| Erie Insurance | $1,906 | $159 |
Mercury car insurance costs by state
One of the biggest factors in how much you’ll pay for car insurance is where you live. Insurance companies look at your age, gender, driving record and also the weather, crime, traffic and claims patterns of your ZIP code.
The table below shows how much you’ll pay for a Mercury policy in a handful of states where Mercury offers coverage. Premiums are based on a 40-year-old driver.
Drivers will pay the most in Florida for a Mercury policy and will get the best deal in California. Higher premiums are often due in part to severe weather events like tornadoes, hurricanes and flooding as well as litigation costs.
| State | State minimum | Liability (50/100/50) | Full coverage 100/300/100; $500 deductible |
|---|---|---|---|
| California | $753 | $1,031 | $2,782 |
| Florida | $1,056 | $2,361 | $4,144 |
| Georgia | $943 | $1,343 | $3,495 |
| Nevada | $603 | $1,388 | $3,036 |
| Oklahoma | $397 | $684 | $2,871 |
Mercury car insurance costs for teens
The average cost of insurance for a teenager with Mercury is $12,251 a year, the highest among all regional carriers. Teenagers are the most expensive age group to insure because statistics show teens are involved in more accidents – including serious ones – than any other age group.
Take a look at the table below to see how much Mercury costs for auto insurance for teens compared to other companies. Note that as you approach middle age, rates drop.
| Company | Teens (16-19) | Young adults (20-24) | 40-year-old adult |
|---|---|---|---|
| Mercury Insurance | $12,251 | $5,405 | $3,237 |
| American Family | $5,413 | $2,873 | $1,912 |
| Auto Club Enterprises (AAA) | $9,274 | $5,103 | $2,917 |
| Auto Club Group - ACG (AAA) | $6,436 | $3,701 | $2,223 |
| Auto-Owners | $5,107 | $3,323 | $2,051 |
| CSAA Insurance (AAA) | $10,946 | $4,922 | $3,010 |
| Erie Insurance | $4,634 | $3,057 | $1,906 |
Mercury car insurance costs for adults
Mercury premiums average $4,119 a year for a male and $4,057 a year for a female at age 25. At age 40, those rates go down to $3,215 a year for a male and $3,259 a year for a female.
Middle-aged adults will see a decline in insurance rates overall, with women starting to pay slightly more as they approach their 40s and 50s.
While rates can vary by insurance company, adults pay some of their cheapest rates around the age of 55 to 60.
Here’s what adults can expect to pay annually for full coverage car insurance with Mercury at various ages.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 25 | $4,119 | $4,057 |
| 30 | $3,583 | $3,619 |
| 35 | $3,539 | $3,610 |
| 40 | $3,215 | $3,259 |
| 45 | $3,272 | $3,325 |
| 50 | $2,927 | $3,019 |
| 55 | $2,940 | $2,881 |
| 60 | $2,751 | $2,761 |
Mercury car insurance costs for seniors
At 65, Mercury’s average rate is $2,838 for males and $2,863 for females.
Seniors start to see rates increase once they reach age 65. Insurance companies consider vision and hearing loss, slower reflexes and other health issues to play a part in older drivers being riskier to insure. This means higher prices. Senior women will play a little less than men.
Here’s a look at what seniors will pay annually with Mercury for a full coverage policy:
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 65 | $2,838 | $2,863 |
| 70 | $3,170 | $3,057 |
| 75 | $3,702 | $3,339 |
Mercury car insurance rates for drivers with tickets, accidents and poor credit
Mercury’s rates for drivers with an at-fault accident on their record are about 45% higher than those for drivers with a clean driving record, indicating that the company gives at-fault accident violations significant weight.
You will pay less for car insurance if you have a good driving record. Speeding tickets, at-fault accidents and other moving violations all increase your rates. There are other factors that insurance companies look at, too, to determine your rates, such as your credit score.
Mercury insurance discounts and ways to save
Mercury’s prices are higher than the national average, so taking advantage of insurer discounts can help to offset the cost. Mercury offers a solid range of car insurance discounts, including:
- Anti-theft
- Autopay
- E-signature
- Good driver
- Good student
- Multi-car discount
- Muti-policy
- Pay in full
What do people ask about Mercury?
Why did my Mercury car insurance rate go up?
Your Mercury rate may have gone up for several reasons, including a speeding ticket, an accident or drop in your credit. If you’ve moved to a new area where weather, traffic or crime patterns carry increased risk, this could translate to higher rates as well.
If your personal driving record has remained unchanged, chances are Mercury’s prices have increased because of higher claims costs overall.
Why is my Mercury auto insurance so expensive?
Mercury rates may be high because it weighs certain risk factors more heavily than others, resulting in different pricing than other carriers. Every carrier also has a different cost of doing business depending on its state, size, and type of policies it provides.
Is Mercury a good auto insurance company?
Mercury has mostly good customer satisfaction and third-party ratings. That indicates that it’s a solid insurer with a good reputation. However, its prices are higher than the national average, so you need to weigh the pros and cons to see if Mercury is the right fit for your insurance needs.
Sources & Methodology
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
Survey data from our annual customer survey and third-party ratings were used to create each company's overall score.
Learn more about our data and methodology.
Sources:
Mercury Insurance. “Car Insurance.” Accessed March 2026.
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