Mercury Car Insurance Pricing

Mercury insurance costs an average of $1,706 annually, with a range of $1,034 to $2,016. The factors Mercury uses to determine auto insurance rates include a risk assessment of the driver filing a future claim. For example, teens or motorists who have recently caused accidents are deemed high-risk and therefore would pay higher rates for car insurance. Here are the average costs for various circumstances.

• Minimum coverage: The average annual cost of minimum car insurance coverage with Mercury is $1,034. Minimum coverage varies by state, but typically includes liability coverage for bodily injury and property damage. Some states require medical payments coverage as well. No state requires collision or comprehensive coverage or rental car reimbursement.
• Full coverage: Full coverage costs significantly more, at around $3,365 per year.
  Young drivers: Young drivers (ages 16 to 22) could expect to pay $1,438 per year with Mercury. On average, a teen driver will have a higher car insurance premium due to their lack of driving history.
• Senior drivers: Older drivers (ages 55 to 65) would pay about $606 annually with Mercury.

Mercury offers several ways customers can save on their auto insurance.

• Anti-theft feature: Drivers who install anti-theft devices in their vehicles may receive a discount.
• Auto pay: Customers who sign up for automatic bill pay each month see savings on their auto insurance bills.
• E-signature: Customers who agree to sign documents electronically may get a reduction in the cost of their insurance.
• Good driver: Policyholders with drivers on their policies who go for a specific period of time without receiving tickets or getting into accidents may be eligible for a discount.
• Good student: Young single drivers who maintain at least a 3.0 GPA in high school or college are eligible for a discount.
• Multicar: Customers insuring multiple vehicles on the same policy could receive a discount.
• Multipolicy: When you bundle home, condo, or renters insurance with your auto insurance policy, you save 15 percent on your homeowners policy and up to 14.5 percent on your auto insurance.
• Pay-in-full: If you pay your auto insurance term in one payment, you’ll get a discount.
• RealDrive: Drivers who participate in the verification program RealDrive that bases your rate on how many miles you drive receive a 5 percent discount. Learn more about pay-per-mile insurance.

Hassle-Free Auto Repairs

Mercury offers hassle-free auto repairs at trusted, authorized repair facilities. Repairs at such a shop are guaranteed for as long as you own your vehicle.

Roadside Assistance

An optional coverage customers can add to their auto policy, Mercury’s 24/7 roadside assistance will send a roadside service professional to assist motorists with flat tires, dead batteries, and other auto troubles. Customers can opt in to receive real-time status updates via text to keep in touch with their roadside service technicians.

Ridesharing Insurance

Rideshare insurance provides protection to drivers who work for rideshare companies such as Lyft and Uber. The extra coverage protects customers and their vehicles for when the ridesharing app is on but the policyholder hasn’t yet accepted a rideshare customer.

Mercury offers auto insurance in 11 states:

• Arizona
• California
• Florida
• Georgia
• Illinois
• New Jersey
• New York
• Nevada
• Oklahoma
• Texas
• Virginia

To cancel an auto insurance policy, policyholders should notify Mercury in writing with the specific date for the policy cancellation and the reason for canceling. Customers can send their auto insurance cancellation notice via the company’s webform (https://cp.mercuryinsurance.com/guest/contact-mercury?src=cw) or mailing address at:
Mercury Insurance
555 W. Imperial Hwy
Brea, CA 92821-4802

• April 1, 1962: Mercury General Corp., founded in Los Angeles, California by George Joseph, sold its first policy. The company began with six employees and 90 agents.
• 1967: Mercury received an A+ rating from the global credit rating agency A.M. Best.
• 1970: Mercury wrote $1 million in premiums during a single month.
• 1971: The number of Mercury agents increased to 467.
• 1972: Mercury sold its first homeowners policy.
• 1978: Mercury established the insurance industry’s first Special Investigations Unit (SIU) to fight insurance fraud.
• Mid ’80s: Mercury became the largest independent agency writer of private passenger auto insurance in California.
• 1989: Mercury expanded to Georgia and Illinois.
• 1992: The Mercury employee roster increased to 1,200.
• 1993: Mercury added auto, home, and umbrella coverage.
• 1996: Mercury acquired American Fidelity Insurance Group, which expanded Mercury’s operations into Oklahoma and Texas.
• 1998: Mercury issued its first policy in Florida.
• 2001: Mercury entered the New York and Virginia markets.
• 2003: Mercury entered the New Jersey market.
• 2004: Mercury opened its first offices in Arizona and Nevada.
• 2009: Mercury purchased Auto Insurance Specialists (AIS), the nation’s largest independent insurance agency.
• 2011: Mercury launched the company’s first direct-to-consumer auto insurance sales effort.
• 2014: Mercury acquired Workmen’s Auto Insurance Company.
• 2016: Mercury introduced rideshare insurance for Uber and Lyft drivers in Arizona, California, Illinois, Nevada, and Oklahoma.
• 2017: Mercury offered rideshare insurance in Georgia and Texas.
• 2022: Mercury launched MercuryGO in Illinois and New Jersey, with several other states planned for the year.

Potential customers can contact Mercury by phone and online. For policy questions, speak to an agent by calling 866-418-3375. Find coverage and other auto insurance information by visiting Mercury online (https://www.mercuryinsurance.com/). You can also send an email through the company’s webform here: https://cp.mercuryinsurance.com/guest/contact-mercury?src=cw.

Why should customers choose Mercury auto insurance? The company offers coverage at affordable rates paired with great service. Mercury provides good rates for both safe drivers and high-risk drivers. Customers pay on average $56 per month for the minimum auto insurance coverage policy from Mercury, which could be lowered still by the company’s plethora of discounts.