Auto Insurance

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.


Or call (800) 956-3728 (800) 956-3728 to speak to an agent

Topics We'll Cover

Coverage Details

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.

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Can affordable rates still mean I qualify for additional savings? Yes, we give discounts to a variety of drivers because a good thing should only get better.

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More Information

Your car insurance guide starts here. We'll answer questions like, what's the difference between liability protection and medical coverage.

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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.

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.   Green Checkmark   Green Checkmark    
You hit and injure a pedestrian and are legally at fault. Green Checkmark Green Checkmark        
Your vehicle is damaged in a non-collision situation, such as a wildfire, hail or flood.     Green Checkmark      
Your vehicle is damaged when driving over a pothole.   Green Checkmark        
Your vehicle is vandalized.     Green Checkmark      
Your vehicle is hit by another driver with no insurance.   Green Checkmark     Green Checkmark  
You're injured in a car collision and have medical bills.   Green Checkmark   Green Checkmark    
You drive for a TNC and get in a car collision with the app on but haven't accepted a fare.           Green Checkmark
You cause a car collision damaging multiple vehicles, including your own, and the other driver and passengers are injured. Green Checkmark Green Checkmark        
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®

Learn more about auto insurance discounts. Prefer to speak with a local agent? Call (800) 956-3728 (800) 956-3728 .

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.

Guaranteed Repairs
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.

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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

Learn more about Mercury Products surveyed 3,160 U.S. insurance customers on the criteria of “customer service,” “claims handling,” “pricing,” “plans to renew current policy”, for "usefulness and ease-of-use of its website and mobile apps", and “would recommend the insurer.” Mercury ranked in the top five U.S. auto insurers for 2018. 

2Not all coverages may be available in all states. Speak to a Mercury agent to confirm the coverages available in your state.

3Discounts and coverages may vary by state.

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If you would prefer to speak to an authorized Mercury agent, please call (800) 956-3728(800) 956-3728.

Mercury has partnered with our agency subsidiary, AIS, in to help customers save money. This is great news for you, because AIS could provide you with some really low rates and great coverage, too!

Give AIS a call today at (888) 344-4247 (888) 344-4247 to see how much you can save.

Mercury is no longer available in , however, our independent agency subsidiary, AIS, could still provide you with some really low rates and great coverage!

Give AIS a call today at (888) 344-4247 (888) 344-4247 to see how much you can save.

Mercury is no longer available in , however, our independent agency subsidiary, AIS, could still provide you with some really low rates and great coverage!

Give AIS a call today at (888) 344-4247(888) 344-4247 to see how much you can save, or click the button below to get a fast, free quote.


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Prefer to talk to a real, live person? Give us a call at (800) 956-3728.

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