10 Best Car Insurance Companies for Mercurys in 2024 (Check Out These Providers)

Top Pick for Mercury: Geico

19,116 reviews

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4.1

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Company Facts

Full Coverage for Mercury

$125/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Competitive Rates
• 24/7 Customer Service
• Fast Claims Process

• Limited Local Agents
• No Custom Coverage
• Rate Increases

» Geico Car Insurance Review

19,116 reviews

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Best Agents for Mercury: State Farm

17,759 reviews

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4.1

Company Facts

Full Coverage for Mercury

$135/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• One of the largest insurance companies in the US
• High levels of customer satisfaction
• Affordable rates for people with a speeding ticket or an accident on their record
• Wide variety of discounts available
• Rideshare insurance

• High rates for drivers with poor credit scores
• No gap coverage
• Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available

» State Farm Car Insurance Review

17,759 reviews

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Best Tools for Mercury: Progressive

13,128 reviews

Compare Rates →

4.1

Company Facts

Full Coverage for Mercury

$130/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Competitive Rates
• Wide Range of Coverage Options
• Bundling Discounts

• Customer Service
• Claims Process
• Rate Increases

» Progressive Car Insurance Review

13,128 reviews

Compare Rates →

The top picks for the best car insurance companies for Mercurys are Geico, State Farm, and Progressive, with Geico standing out for its competitive rates starting at $55/month.

These providers offer personalized coverage, local agents, and easy-to-use online tools, helping Mercury drivers find affordable, comprehensive protection by comparing quotes. For detailed information, refer to our comprehensive report titled “Full Coverage Car Insurance: An Expert Guide.”

Our Top 10 Picks: Best Car Insurance Companies for Mercury

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A++	Competitive Rates	Geico
	#2	17%	B	Local Agents	State Farm
	#3	20%	A+	Online Tools	Progressive
	#4	25%	A+	Personalized Coverage	Allstate
	#5	10%	A++	Military Benefits	USAA
	#6	20%	A+	Customer Service	Nationwide
	#7	20%	A	Local Presence	Farmers
	#8	10%	A	Customizable Policies	Liberty Mutual
	#9	13%	A++	Financial Stability	Travelers
	#10	29%	A	Personalized Options	American Family

Explore these options to get the best coverage at the lowest cost. Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.

#1 – Geico: Top Overall Pick

Pros

• Exceptional Cost-Effectiveness: Geico stands out for its exceptional cost-effectiveness and some of the lowest base rates for Mercury insurance. To delve deeper, refer to our in-depth report titled “Cheap Car Insurance: An Expert Guide.”
• Comprehensive Online Management: Offers a robust online system for managing policies and claims, making it ideal for tech-savvy Mercury owners.
• Broad Coverage Options: Offers a wide variety of coverage options that can be customized to meet the needs of Mercury vehicles, ensuring flexible protection.

Cons

• Limited Personalized Support: While Geico excels in competitive rates, it may not offer the personalized support and in-depth assistance that some Mercury owners might prefer.
• Potential Additional Costs: The cost of adding extra coverages or endorsements may increase, potentially reducing the overall savings for Mercury drivers compared to other insurers.

#2 – State Farm: Best for Local Agents

Pros

• Personalized Local Interaction: State Farm offers Mercury drivers personalized service through its extensive network of local agents. Unlock details in our article called “State Farm Insurance Review & Complaints: Car Insurance.”
• Tailored Coverage Solutions: Local agents offer tailored coverage for Mercury vehicles, delivering a customized insurance experience.
• Community-Based Support: Offers community-based support and advice, ensuring that Mercury drivers receive relevant and localized information.

Cons

• Higher Premiums in Some Areas: Rates can be higher in certain regions, which may make it less cost-effective for Mercury owners compared to other options.
• Less Advanced Digital Tools: State Farm’s online tools may be less sophisticated, limiting convenience for tech-oriented Mercury drivers.

#3 – Progressive: Best for Online Tools

Pros

• Cutting-Edge Digital Features: Progressive is renowned for its cutting-edge digital features, making it one of the best car insurance companies for Mercurys in terms of online functionality and ease of use.
• Efficient Comparison Tools: Provides advanced comparison tools for Mercury owners to easily evaluate and adjust coverage options.
• Flexible Policy Adjustments: Offers flexible policy adjustments online, allowing easy customization for Mercury vehicles. To gain further insights, consult our comprehensive guide titled “Progressive Insurance Review & Complaints: Auto Insurance.”

Cons

• Less Personal Touch: The focus on online tools may lack the personal touch, which could be a drawback for Mercury drivers who prefer direct interactions.
• Overwhelming Options: The extensive options and features might overwhelm Mercury drivers, making it hard to choose the best coverage.

#4 – All State: Best for Personalized Coverage

Pros

• Highly Tailored Coverage Plans: Allstate excels in tailored coverage plans, making it ideal for Mercurys needing specific protection and customization.
• Dedicated Customer Service: Known for dedicated customer service, Allstate ensures that Mercury owners receive focused attention and support for their unique insurance needs.
• Comprehensive Bundle Options: Provides extensive bundling options that can lead to additional savings and more comprehensive coverage for Mercury drivers. Discover more about offerings in our article called “Allstate Home Insurance Review & Complaints: Home Insurance.”

Cons

• Potentially Expensive Premiums: Personalized coverage options might lead to higher premiums, which could concern Mercury owners seeking affordable insurance.
• Complex Policy Details: Complex policy details and coverage options may complicate the insurance experience for some Mercury drivers.

#5 – USAA: Best for Military Benefits

Pros

• Exclusive Military Discounts: USAA is a top choice for Mercury insurance, offering exclusive discounts and benefits for military members. To gain profound insights, consult our extensive guide titled “USAA Insurance Review & Complaints: Life, Home, & Auto Insurance.”
• Top-Tier Customer Satisfaction: Known for high customer satisfaction and reliability, USAA provides excellent service and support for Mercury drivers who are eligible.
• Comprehensive Coverage: Offers comprehensive coverage tailored to military members and their families, ensuring robust protection for Mercurys.

Cons

• Eligibility Restrictions: Insurance is limited to military members and their families, so it is not an option for non-military Mercury owners.
• Regional Availability: USAA may not be available in all regions, potentially limiting access for Mercury drivers in certain areas.

#6 – Nationwide: Best for Customer Service

Pros

• Exceptional Service Quality: Nationwide is praised for exceptional customer service, highly valued by Mercury owners seeking reliable support.
• Robust Coverage Options: Offers a range of robust coverage options that can be tailored to fit the specific needs of Mercury drivers. For detailed information, refer to our comprehensive report titled “Nationwide Insurance Review & Complaints: Auto, Home, Health & Pet Insurance.”
• Accident Forgiveness Programs: Offers accident forgiveness programs to prevent rate increases after minor accidents, benefiting Mercury drivers seeking stability.

Cons

• Higher Premiums in Some Regions: Premiums may be higher in some regions, making it less affordable than other top insurers for Mercury drivers.
• Discounts Might Be Limited: Nationwide may offer fewer discount opportunities compared to competitors, potentially affecting overall savings for Mercury owners.

#7 – Farmers: Best for Local Presence

Pros

• Strong Community Ties: Farmers boasts a strong local presence, offering Mercury owners the advantage of community-based service and support through local agents. To learn more, explore our comprehensive resource on insurance titled “Farmers Insurance Review & Complaints: Home, Business & Auto Insurance.”
• Customizable Policy Options: Provides customizable policy options that can be tailored to the specific needs of Mercury drivers, ensuring appropriate coverage.
• Variety of Discounts: Offers a range of discounts that can help Mercury owners reduce their insurance costs, making it a competitive choice.

Cons

• Higher Premium Costs: Premiums may be higher compared to some other insurers, which could affect affordability for Mercury owners.
• Inconsistent Service Quality: The quality of service may vary depending on the local agent, potentially impacting the overall experience for Mercury drivers.

#8 – Liberty Mutual: Best for Customizable Policies

Pros

• Highly Flexible Policies: Liberty Mutual offers highly flexible policies tailored to Mercury owners’ needs, making it one of the best car insurance companies for Mercurys. For detailed information, refer to our comprehensive report titled “Liberty Mutual Insurance Review & Complaints.”
• Innovative Coverage Options: Provides innovative coverage options and add-ons that can enhance protection for Mercury vehicles.
• Competitive Rates with Customization: Offers competitive rates with a high level of policy customization, allowing Mercury drivers to get exactly the coverage they need.

Cons

• Higher Deductibles: Customizable policies may have higher deductibles, which could be a drawback for Mercury drivers seeking to minimize out-of-pocket costs
• Complex Policy Management: The broad customization options might complicate policy management for Mercury owners.

#9 – Travelers: Best for Financial Stability

Pros

• Reliable Financial Backing: Travelers is known for its strong financial stability, providing reliable and secure coverage for Mercury drivers among the best car insurance companies for Mercurys.
• Extensive Coverage Options: Offers an extensive range of coverage options that can be tailored to meet the needs of Mercury vehicles. For a comprehensive overview, explore our detailed resource titled “Travelers Insurance Review & Complaints.”
• Discounts for Safe Driving: Provides discounts for safe driving and other criteria, helping Mercury owners save on their insurance premiums.

Cons

• Potentially Higher Premiums: Rates may be higher compared to some competitors, which could impact affordability for certain Mercury drivers.
• Limited Local Representation: Travelers may have fewer local agents compared to other insurers, potentially affecting the level of personalized service for Mercury owners.

#10 – American Family: Best for Personalized Options

Pros

• Highly Tailored Insurance Solutions: American Family is praised for tailored insurance solutions that fit Mercury drivers’ needs, making it a top contender.
• Flexible Policy Features: Provides flexible policy features that can be customized to provide the best protection for Mercury vehicles.
• Excellent Customer Support: Known for providing excellent customer support, which enhances the overall insurance experience for Mercury owners. For a thorough understanding, refer to our detailed analysis titled “American Family Insurance Review & Complaints.”

Cons

• Potentially Higher Costs: Personalized options may lead to higher costs, which could concern budget-conscious Mercury drivers.
• Fewer Discounts: May offer fewer discount opportunities compared to other top insurers, potentially limiting savings for Mercury owners.

Comparing Mercury Car Insurance Rates: Coverage Levels, Providers, and Discounts

Finding the right car insurance for your Mercury involves comparing rates, which range from $55 to $160 per month.

Discounts for multi-policy, safe driver, and good student can help lower costs. With average insurance at $86 per month, shopping around ensures you get the best coverage and price.

Mercury Car Insurance Monthly Rates by Coverage Level & Provider

Monthly rates for Mercury car insurance vary by provider: minimum coverage ranges from $55 (USAA) to $85 (Liberty Mutual), while full coverage costs between $115 (USAA) and $160 (Liberty Mutual). Compare options to find the best rate for your needs.

You’ll need proper car insurance coverage if you own a Mercury. Several insurers in your area are likely willing to cover your Mercury, but you’ll need to do some research to find the best car insurance company for Mercurys in your area.

Fortunately, your Mercury probably isn’t very expensive to cover. Mercury car insurance costs around $1,032 annually or $86 each month. Still, you must shop online and compare car insurance quotes to find coverage for your specific model and year.

If you search for minimum coverage, your Mercury car insurance rates will be lower than if you want a full coverage policy. Still, full coverage could help you stay protected if you’re in an accident or if someone or something damages your vehicle.

You can shop online to find Mercury car insurance quotes and compare prices to get a cheap car insurance policy in your area. Otherwise, you may pay too much for coverage. As you compare quotes, ask about discount opportunities for your Mercury coverage.

Determining the Type of Car Insurance You Need for Your Mercury

You can choose between full coverage or a minimum coverage policy for your Mercury. Minimum coverage or liability-only policy is often much cheaper than full coverage but does not offer as much protection if your vehicle sustains damage.

Each state has its own rules concerning minimum coverage for car insurance. However, you’ll need at least the following liability insurance coverages:

• Property Damage Liability: Property damage liability covers you if you cause an accident and damage someone’s car or other personal property. 
• Bodily Injury Liability: Bodily injury liability covers you if you cause an accident and injure or kill one or more people. Find the best bodily liability car insurance companies.

The amount of liability coverage you’ll need depends on where you live. In some states, you may also need one or more of the following types of car insurance coverage:

• Personal Injury Protection (PIP): Personal injury protection (PIP) auto insurance helps pay medical bills and may replace lost wages after a covered accident. Find the best personal injury protection car insurance companies.
• Medical Payments (MedPay): MedPay insurance helps with hospital bills and doctor visits after a covered accident. Find the best medical payments (MedPay) coverage car insurance companies.
• Uninsured/Underinsured Motorist Coverage: Uninsured or underinsured motorist coverage helps if someone causes an accident but doesn’t carry proper insurance coverage. Find the best uninsured/underinsured motorist coverage car insurance companies.

PIP and MedPay cover medical expenses regardless of fault, ensuring necessary treatment without financial strain. Investing in these coverages provides peace of mind and financial security in unforeseen circumstances.

Evaluating the Need for Full Coverage Insurance for Your Mercury

You may want to buy full coverage car insurance, but it depends on your situation. For example, full coverage helps if you cause a car accident or if someone or something damages your vehicle while it’s parked. To purchase full coverage, you’ll need the following:

• Collision Insurance: Collision auto insurance helps if you cause an accident and damage your car. Collision insurance will pay for repairs up to your vehicle’s actual cash value (ACV) once you pay your deductible. Find the best collision coverage car insurance companies.
• Comprehensive Insurance: Comprehensive car insurance helps if inclement weather, wild animals, theft, or vandalism cause damage to your Mercury. Find the best comprehensive coverage car insurance companies.

If your Mercury is older and has a low actual cash value (ACV), full coverage insurance may not be necessary. Consider focusing on essential coverage to save on premiums.

Still, for most Mercury drivers, a full coverage policy may offer the right amount of coverage and protection when you’re on the road. It ensures comprehensive financial security in various driving situations.

Understanding the Cost of Mercury Car Insurance

Mercury car insurance costs around $1,032 annually or $86 each month. Still, how much you pay will depend on several variables.

Some of the most significant factors that affect car insurance rates include:

• Age & Gender
• Driving Record
• Location
• Coverage & Vehicle Type
• Credit Score & Marital Status

As you compare car insurance for a Mercury, you’ll determine which companies offer the coverage you’re looking for at a price that works with your budget. It’s important to compare quotes for car insurance, so you don’t pay too much per month.

 

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Additionally, consider working with an insurance broker for personalized recommendations and expert guidance. This approach will help you secure comprehensive and cost-effective coverage for your Mercury.

You may save money on your car insurance coverage if you increase your car insurance deductible. Still, you should ensure you have enough money to pay your deductible if you ever need to file a claim. 

Keeping a clean driving record and improving your credit score can also help you save on car insurance coverage. Unfortunately, both things take time, so you may want to compare car insurance quotes annually or bi-annually to ensure your quotes improve as your driving history and credit improve.

Finding Affordable Best Car Insurance Company for Mercury

If you own a Mercury, you need the right car insurance. You can purchase a minimum coverage or liability-only policy that meets your state’s minimum coverage requirements at the lowest rates. Still, you may want the additional protection that comes with a full coverage policy. Adding collision and comprehensive insurance for your Mercury can save a lot of money if you ever need to file a claim. 

Mercury auto insurance typically costs about $86 per month. To find out how much you’ll pay for coverage in your area, it’s a good idea to compare quotes from various companies. Without this comparison, you might end up paying more than necessary. For a comprehensive overview, explore our detailed resource titled “Understanding Full Coverage Car Insurance.”

Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.