How Much Does Mercury Car Insurance Cost?

Choosing a car insurance provider can be challenging. If you're considering Mercury, reviewing its pricing structure will help you determine if it's the best fit for your needs. However, we recommend obtaining quotes from several providers to ensure you're securing the best value when trying to save money on your car insurance.

Mercury car insurance pricing per month

Mercury charges an average of $172 per month for a full-coverage car insurance policy. Drivers who choose minimum liability-only coverage will pay an average of $101.

Keep in mind these are average figures. Your personal rate will depend on variables such as your age, where you live, your credit score, and your driving record. While your actual Mercury rate may be different, these averages provide a useful benchmark for comparison shopping.

	Mercury average monthly cost	National average monthly cost
Full coverage	$172	$186
Liability-only	$101	$104

Mercury's rates versus other car insurance providers

Each company uses different methods to evaluate risk and apply discounts, which can cause pricing to fluctuate. Comparing quotes will show you how Mercury performs for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$114	$59
Progressive	$182	$106
GEICO	$148	$95
Allstate	$148	$79
USAA	$105	$56
Mercury	$172	$101

Mercury's rates by age

Age is a major pricing factor for Mercury, as it is with most insurers. Car insurance for teen drivers comes with the highest premiums, averaging roughly $323 per month for full coverage.

Rates generally decrease as you enter your 20s, with Mercury averaging $232. Premiums keep falling through your 30s at an average of $182 and your 40s at $168.

Some of the most competitive rates go to drivers in their 50s and 60s, who pay approximately $147 and $129 per month on average.

Costs may increase again once you reach your 70s, with average monthly premiums around $139. These patterns demonstrate how insurers price risk across different life stages.

Age group	Mercury average monthly full coverage cost	National average monthly cost
Teens	$323	$360
20s	$232	$242
30s	$182	$199
40s	$168	$191
50s	$147	$177
60s	$129	$159
70s	$139	$162

Mercury's rates for high-risk drivers

Drivers with traffic violations or accidents on their record typically face higher Mercury rates. High-risk drivers with a speeding ticket can expect to pay around $264 per month on average. Those with an at-fault accident pay roughly $287 monthly.

The impact of a DUI is even more substantial, with average monthly costs reaching approximately $271. While these numbers reflect standard high-risk pricing, your actual rate will vary based on the timing of the incident and other individual factors.

Driving record	Mercury average monthly full coverage cost	National average monthly cost
Accident	$287	$249
Speeding ticket	$264	$241
DUI	$271	$275

How does your credit score affect your rate with Mercury?

Credit scores influence insurance rates in all states except four: California, Hawaii, Massachusetts, and Michigan.

Where credit matters, Mercury prices policies according to your credit tier. Those with excellent credit average $140 per month. Good credit holders pay somewhat more at around $169 monthly.

Drivers with average credit face monthly premiums near $182. Poor credit results in average costs closer to $212 per month.

These figures show how significantly credit affects your premium, though your final rate will also reflect other personal characteristics.

Credit score	Mercury average monthly cost of full coverage	National average monthly cost
Excellent	$140	$164
Good	$169	$179
Average	$182	$194
Poor	$212	$228

FAQs

Does Mercury Insurance offer accident forgiveness?

Mercury does not include accident forgiveness in its policies, which means your rates might increase after an at-fault accident even if it's your first incident. This absence of accident forgiveness is worth considering if you're comparing Mercury to other insurers, particularly since some competitors in the market do offer this feature to help protect customers from rate spikes following their first accident after maintaining a clean record.

What makes Mercury's rideshare coverage unique?

Mercury offers rideshare insurance for drivers working with Uber, Lyft, or similar app-based services for daily rates. This coverage fills the gap between when your rideshare app is on but you haven't accepted a passenger yet, a period when your personal auto policy might not provide protection. This specialized coverage could be particularly valuable for gig economy workers who need seamless protection throughout their driving shifts without having to purchase expensive commercial policies.

What discounts can help reduce my Mercury Insurance premiums?

Mercury provides numerous money-saving opportunities including up to 25% off for maintaining a safe driving record, 15% for bundling auto with home or renters insurance, and 14% for insuring multiple vehicles on the same policy. Young drivers with good grades could qualify for 10 to 15% discounts, while features like anti-theft devices, automatic payments, e-signatures, and paying your premium in full upfront might also lower your costs depending on your specific situation and location.

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Bottom line

Should you choose Mercury as your car insurance company? Requesting quotes from Mercury and its competitors will give you the clearest answer, letting you evaluate both pricing and customer service.

Data throughout provided by Insurify.

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