Find the Best Auto Protection in a Few Minutes
Shopping for car insurance is simple because we make it easy to understand. We offer coverages to meet everyone’s needs at affordable rates that are paired with great service. And our customers agree, rating us as one of the top vehicle insurers in the U.S. for customer service, claims handling and pricing.1 Let's get started.
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Topics We'll Cover
What's included in an auto policy? We cover it all here, and you can find the best type of vehicle coverage to fit your specific needs.Learn More
Your car insurance guide starts here. We'll answer questions like, what's the difference between liability protection and medical coverage.Learn More
How Different Car Insurance Packages Protect You and Your Family
You may be a responsible driver, but it’s everyone else we’re worried about. That’s why Mercury provides multiple coverages to handle every situation. Each type of coverage is designed to protect you or your property. And, you’re in the driver’s seat when picking which vehicle coverages best fit your circumstances.
Common car insurance coverages to consider include liability, which most states require you to have, and collision coverage. Liability will help pay for another person’s injuries as well as the damages to their car if you’re found at fault. Liability coverage does not pay for the repairs to your vehicle, that’s where collision coverage comes into play. Collision coverage is typically an option, unless your lender requires you to carry this coverage. It will cover the costs to repair your vehicle after a car-collision.
Do you live in a high-risk area for floods or wildfires? If so, then selecting comprehensive coverage might be a smart choice. Comprehensive coverage pays for the damages to your vehicle caused by natural disasters, such as hail, fire or floods. It also protects your property if it is vandalized or stolen.
These are the types of auto insurance coverage 2 we offer:
Common Car Insurance Claims and the Protection Needed
Sometimes insurance can be confusing. Knowing what each coverage does and how it helps you is important, that's why we've put together a list of some common real-life situations to be aware of and which part of your auto policy can protect you and your property.
|Real-life situation||Liability Protection||Collision Protection||Comprehensive Coverage||Medical Coverage||Uninsured/Underinsured Motorists||Ride-Hailing Coverage|
|Your vehicle is rear-ended by another vehicle and you're injured.|
|You hit and injure a pedestrian and are legally at fault.|
|Your vehicle is damaged in a non-collision situation, such as a wildfire, hail or flood.|
|Your vehicle is damaged when driving over a pothole.|
|Your vehicle is vandalized.|
|Your vehicle is hit by another driver with no insurance.|
|You're injured in a car collision and have medical bills.|
|You drive for a TNC and get in a car collision with the app on but haven't accepted a fare.|
|You cause a car collision damaging multiple vehicles, including your own, and the other driver and passengers are injured.|
How will you know if you have too much or too little coverage?
Both can be detrimental to you and your finances. That's why we offer up another great resource for vehicle insurance shoppers — independent agents. These unbiased experts can provide guidance and recommendations when it comes to the various coverage options and policy limits available, and can even help you uncover money-saving discounts. Not only that, they have a great understanding of the local market conditions, which helps them tailor the best policy for you.
Whether you prefer the convenience of shopping online or would like to speak with a Mercury expert over the phone, we'll get you a fast, free personalized quote.Learn more about coverage details
Low Rates Plus Great Discounts Equal More Savings with Mercury
Mercury's on a mission to save you money. Save even more money with these discounts 3:
- Anti-Theft Discount
- Good Driver Discount
- Good Grades Discount
- Multi-Policy Discount
- Multi-Vehicle Discount
- Mercury's Real Drive®
Service and Support You Can Count On
We've been dedicated to protecting our customers, their families and property ever since we opened our doors in 1962. It's a responsibility we take very seriously, and we're committed to providing the best service and protection for everyone we insure.Contact Mercury
Convenient Customer Portal
View your auto policy, request a change or even print ID cards and download them to your smartphone from our customer site.
Easy Claims Process
You can file a claim 24 hours a day, seven days a week. Just call our claims hotline at (800) 956-3728 (800) 956-3728 . to get back on the road fast.
Mercury makes it easy to get your vehicle repaired and we’ll handle it from start to finish. Bonus: When you choose a Mercury authorized repair shop, Mercury guarantees the repairs for as long as you own the vehicle.
What our customers are saying
Looking for More Auto Insurance Information?
You have questions and we have answers.See more FAQs
Check your local laws to make sure you're covered in your state.
Many states have implemented teen specific driving laws. Some Graduated Driver's License (GDL) programs create minimum age and supervised driving requirements for young drivers.View Insurance Requirements By State
How safe are teen drivers in your state?
Inexperience behind the wheel, greater tendencies for risk-taking and in-car distractions are reasons why teen drivers are involved in more traffic collisions than more experienced drivers.Learn More About Teen Driving