What’s New with Mercury Insurance?
Mercury Insurance continues to innovate and expand its offerings in 2025, introducing several new coverage options and discounts across various states. These updates are part of the company’s strategy to stay competitive in the ever-changing insurance landscape while also catering to customers’ evolving needs.
Expanded Coverage and Discounts
Since late 2022, Mercury has rolled out new policies that focus on customer satisfaction and eco-conscious living. The company has introduced unique coverage options, such as:
- Green Home Coverage: Available in states like New Jersey, this option provides extra funds for eco-friendly replacements and encourages sustainable living by rewarding homeowners who choose environmentally friendly upgrades.
- Matching Undamaged Siding and Roofing: This coverage ensures that undamaged sections of your home, such as siding and roofing, remain aesthetically consistent after a claim, keeping your property looking its best.
- Refrigerated Food Coverage: For homeowners, Mercury now offers coverage for food loss due to power outages, a handy add-on for those who depend on refrigeration.
In addition, new discounts have been introduced for homes with green certifications, renovations in older homes, and policyholders who make timely payments or opt for full premium payments upfront.
Mercury Car Insurance Review 2025
Mercury Insurance offers a wide variety of auto insurance coverage options, but its reputation hinges on competitive rates and reliable service. In 2025, it has earned a Score of 3.8 out of 5.0 for its auto insurance offerings. This score was determined by assessing key factors such as customer satisfaction, financial stability (via AM Best ratings), customer complaints, and pricing data.
Standard and Additional Coverage Options
Mercury Insurance offers the following coverage types for auto insurance:
- Liability Insurance
- Collision Coverage
- Comprehensive Coverage
- Rental Car Reimbursement
- Roadside Assistance
One notable feature for drivers is Mercury’s Rideshare Insurance, which covers rideshare drivers (Uber, Lyft) for as little as $0.90 per day. If you’re a low-mileage driver, you can also benefit from Mercury’s RealDrive program, which rewards you for driving fewer miles.
Pros and Cons of Mercury Car Insurance
While Mercury Insurance offers a comprehensive range of options, it’s essential to weigh the pros and cons before signing up:
Pros:
- Rideshare insurance available for Uber/Lyft drivers
- Local agents available in most states where Mercury operates
- Optional roadside assistance coverage
Cons:
- No gap insurance offered
- Only available in a limited number of states
- No loyalty discounts
Mercury Car Insurance Rates
Mercury’s pricing is competitive, with average premiums below the national average. For minimum coverage, Mercury charges around $679 per year, compared to the national average of $767 per year. For full coverage, Mercury’s average is $2,296 per year, which is notably less than the national average of $2,638.
However, insurance rates are highly individualized, and your specific rate will depend on various factors, including your driving history, location, and vehicle type.
Example of Premiums by Driver Profile
| Driver Profile | Mercury Full Coverage | National Full Coverage |
|---|---|---|
| Good driver, good credit | $2,296 | $2,638 |
| Good driver, poor credit | $3,136 | $4,644 |
| Speeding ticket with good credit | $3,199 | $3,204 |
| At-fault accident with good credit | $4,314 | $3,774 |
| DUI conviction with good credit | $3,815 | $5,106 |
Mercury Home Insurance Review
Mercury also offers homeowners insurance, with coverage options similar to what you’d find with major providers. It has earned a Score of 4.3 out of 5.0 for its homeowners policies, making it a top choice for homeowners looking for standard coverage options along with some added benefits.
Coverage Options Include:
- Extended Dwelling Replacement Cost Coverage
- Identity Theft Protection
- Valuable Items Coverage
However, it’s important to note that Mercury only writes homeowners policies in 10 states, including Arizona, California, Georgia, and Texas, which limits its availability.
Mercury Insurance Discounts
Mercury is known for offering various discounts that help policyholders save money. Some of the key discounts include:
- Green Home Discount for eco-friendly homes
- Renovation Discount for homes that have undergone recent improvements
- Timely Payment Discount for customers who pay their premiums on time
- Full Payment Discount for policyholders who pay in full upfront
Customer Reviews: What Are People Saying About Mercury Insurance?
When it comes to customer experiences, Mercury has received mixed reviews. Some customers appreciate the affordable premiums and prompt claims processing, while others have shared frustrations with customer service and claims handling.
On Reddit, one user shared a positive experience with multiple claims being handled efficiently, with the insurance process being smooth. However, another user criticized Mercury for confusing policy requirements, including disputes over dependent coverage.
Trustpilot reviews show similar sentiments. Some customers are pleased with their interactions with Mercury, especially with claim handling, while others complained about denied claims and poor customer service.
Is Mercury Insurance a Good Choice?
Mercury Insurance is a viable option for those in its service area, offering reliable auto and home coverage at competitive rates. It stands out for its green home coverage options, rideshare insurance, and low-mileage programs. However, its availability in only a limited number of states and lack of certain coverage types like gap insurance may make it less suitable for all customers.
With an AM Best rating of A (Excellent) for financial strength, Mercury proves its reliability in meeting claims obligations. If you live in a state where Mercury operates and are looking for a provider with a focus on competitive pricing and customer-centric policies, Mercury Insurance may be the right fit for you.
Key Takeaways
- Mercury offers affordable auto and home insurance options with a variety of coverage types.
- It’s well-regarded for its green home coverage and rideshare insurance for drivers.
- Despite the positives, Mercury may not be the best option for those looking for gap insurance or who live outside its service area.
- Customer reviews are mixed, with some praising the claims process and others expressing dissatisfaction with customer service.
Ready to get started?
Check out Mercury Insurance for a quote today and find out how it compares to other top insurers.
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