Cheap Mercury Auto Insurance in 2024 (Save With These 10 Companies)

The top picks for cheap Mercury auto insurance are Geico, Progressive and Erie, with the most competitive rates starting at around $50 per month.

These companies are recognized not only for their low prices but also for their reliable coverage and attractive discounts. Given that Mercury cars are affordable and easy to maintain, you can lower your insurance premiums and save big by choosing these top-rated providers.

Our Top 10 Company Picks: Cheap Mercury Auto Insurance

Discover the best rates on Mercury auto insurance by comparing quotes today. For an in-depth analysis, check out our detailed review on “Affordable Instant Auto Insurance Quotes.”

Find the best auto insurance company near you by entering your ZIP code into our free quote tool above.

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#1 – Geico: Top Overall Pick

Pros:

• Lowest Rates: Geico offers some of the cheapest Mercury auto insurance rates available, making it an affordable choice.
• Extensive Discounts: Geico offers discounts like good driver and multi-policy savings to further reduce the cost of Mercury auto insurance. Find out more in our resource review titled, “Geico Auto Insurance Review.”
• Efficient Claims Process: Geico’s streamlined claims process ensures quick resolution and minimal hassle, making cheap Mercury auto insurance even more convenient.

Cons:

• Customer Service Variability: While Geico offers cheap Mercury auto insurance, customer service experiences can vary, leading to inconsistent support.
• Limited Local Agents: Geico’s emphasis on online services may be less ideal for those who prefer in-person interactions for their Mercury auto insurance.

#2 – Progressive: Best for Competitive Rates

Pros:

• Highly Competitive Rates: Progressive frequently offers some of the lowest rates for Mercury auto insurance which is covered in our Progressive auto insurance review.
• Discount Opportunities: With various discounts such as bundling and usage-based insurance, Progressive makes Mercury auto insurance even more affordable.
• Flexible Coverage Options: Progressive provides a range of coverage options that allow for customized, cost-effective insurance plans.

Cons:

• Limited Local Availability: Progressive may have limited availability in some areas, making it harder to manage your cheap Mercury auto insurance.
• Inconsistent Customer Service: The level of customer support can differ, potentially affecting your experience with resolving issues related to your cheap Mercury auto insurance policy.

#3 – Erie: Best for Local Presence

Pros:

• Strong Local Expertise: Erie’s deep understanding of regional needs ensures that their cheap Mercury auto insurance is tailored to local driving conditions and regulations.
• Community-Based Discounts: Erie offers discounts for local affiliations and community memberships, making their cheap Mercury auto insurance even more affordable.
• Personalized Service: With a strong local presence, Erie provides more personalized service, which can enhance the value of your cheap Mercury auto insurance.

Cons:

• Limited National Reach: Erie’s focus on local markets may limit access to their cheap Mercury auto insurance outside their primary service areas. For detailed information, refer to our comprehensive report titled, “Erie Auto Insurance Review.”
• Fewer Online Tools: Erie’s local focus might mean fewer online tools for managing your cheap Mercury auto insurance compared to larger insurers.

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#4 – State Farm: Best for Customer Loyalty

Pros:

• Consistent Savings: State Farm’s cheap Mercury auto insurance often rewards long-term customers with consistent discounts and lower rates, thanks to its customer loyalty programs.
• Personalized Discounts: State Farm offers tailored discounts on cheap Mercury auto insurance based on individual driving behavior and long-term customer status.
• Customer Service Excellence: State Farm’s top-notch customer service enhances satisfaction and value for cheap Mercury auto insurance. For additional details, explore our resource titled, “State Farm Auto Insurance Review.”

Cons:

• Higher Initial Costs: New customers might face higher premiums for cheap Mercury auto insurance until they qualify for loyalty-based discounts.
• Limited Regional Discounts: Some regions may offer fewer discounts, impacting overall savings on cheap Mercury auto insurance with State Farm.

#5 – Travelers: Best for Streamlined Claims

Pros:

• Efficient Claims Process: Travelers offers a streamlined claims process, making it easier to manage and resolve issues related to cheap Mercury auto insurance.
• Quick Claim Resolution: Their fast claim resolution can help you avoid long wait times, ensuring that your cheap Mercury auto insurance remains hassle-free.
• Online Tools: Travelers offers powerful online tools for handling your policy and claims, making it easier to manage your cheap Mercury auto insurance.

Cons:

• Limited Discounts: Travelers might offer fewer discounts for cheap Mercury auto insurance, potentially leading to higher costs. To learn more, explore our guide titled, “What discounts are available for Travelers auto insurance customers?“
• Availability Issues: Their streamlined claims process may not be available everywhere, limiting access to cheap Mercury auto insurance benefits in some areas.

#6 – Nationwide: Best for Broad Coverage

Pros:

• Diverse Discount Options: Nationwide offers various discounts, making it simple to secure cheap Mercury auto insurance without losing coverage.
• Comprehensive Coverage Packages: Their broad coverage options let you bundle and save on cheap Mercury auto insurance while ensuring full protection which is covered in our Nationwide auto insurance review.
• Custom Policies for Older Vehicles: Nationwide provides tailored policies for older Mercurys, helping to keep your insurance premiums low.

Cons:

• Premiums May Vary by Region: Nationwide’s cheap Mercury auto insurance rates can vary by location, potentially making it less affordable in some areas.
• Discounts Limited in Certain Areas: Some discounts may not be available in all states, possibly affecting your ability to get the cheapest Mercury auto insurance.

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#7 – AAA: Best for Membership Benefits

Pros:

• Discounted Rates: AAA offers members exclusive discounts on cheap Mercury auto insurance, making it an attractive option for budget-conscious drivers.
• Roadside Assistance: With AAA, you not only get cheap Mercury auto insurance but also access to comprehensive roadside assistance, adding value without raising costs. Discover our AAA auto insurance review for a full list.
• Bundling Savings: AAA provides opportunities to bundle cheap Mercury auto insurance with other policies, leading to additional savings for members.

Cons:

• Membership Requirement: To access AAA’s cheap Mercury auto insurance, you must be a member, which could be an added cost if you’re not already enrolled.
• Limited Local Agents: AAA’s availability of cheap Mercury auto insurance may be restricted in some areas due to fewer local agents, potentially limiting personalized service.

#8 – Farmers: Best for Personalized Service

Pros:

• Customized Coverage: Farmers provides affordable Mercury auto insurance with flexible plans tailored to your specific needs, ensuring you receive optimal coverage at a reasonable price. Learn more in our Farmers auto insurance review.
• Personalized Service: Benefit from attentive service by specialized agents at Farmers who focus on securing the best rates for cheap Mercury auto insurance, improving your overall experience.
• Available Discounts: Farmers offers various discounts for Mercury vehicles, including bundling and safe driver discounts, which can further reduce the cost of your cheap Mercury auto insurance.

Cons:

• Fewer Online Tools: Farmers has limited online tools for quick quote comparisons, which may be inconvenient if you prefer securing cheap Mercury auto insurance without agent assistance.
• Potentially Higher Costs: Premiums may be higher with Farmers compared to insurers with automated pricing.

#9 – Liberty Mutual: Best for Flexible Options

Pros:

• Tailored Policies: Liberty Mutual provides adaptable options for cheap Mercury auto insurance, enabling you to adjust your coverage to fit your personal requirements and financial plan.
• Discounts Available: Their cheap Mercury auto insurance comes with a range of discounts, such as those for bundling multiple policies or insuring several vehicles, which can reduce your overall expenses.
• Flexible Deductibles: Liberty Mutual allows you to set your deductibles higher or lower, offering greater control over your cheap Mercury auto insurance costs. Read more in our review of Liberty Mutual auto insurance.

Cons:

• Potentially Higher Initial Rates: The initial rates for cheap Mercury auto insurance with Liberty Mutual might be higher compared to some other providers, potentially impacting the overall cost.
• Complicated Quote Process: The process for getting a quote can be more complex, which might make it more challenging to quickly obtain cheap Mercury auto insurance.

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#10 – Allstate: Best for Comprehensive Discounts

Pros:

• Affordable Mercury Auto Insurance Discounts: Allstate offers substantial discounts on Mercury auto insurance, making it a top choice for budget-conscious drivers.
• Bundled Savings: Enjoy additional savings when bundling Mercury auto insurance with other policies, such as home or life insurance.
• Loyalty Rewards: Long-term customers benefit from lower rates and special offers on their Mercury auto insurance. Read our Allstate auto insurance review to learn what else is offered.

Cons:

• Limited Cheap Mercury Auto Insurance Options: The variety of discounts for cheap Mercury auto insurance may be less flexible compared to other providers.
• Complex Discount Eligibility: Understanding and qualifying for Allstate’s cheap Mercury auto insurance discounts can be challenging due to intricate terms and conditions.

Mercury Auto Insurance Rates & Discounts by Provider

Explore detailed monthly insurance rates for Mercury vehicles across different coverage levels, including minimum and full coverage, from top providers such as Geico, Progressive, and State Farm. This guide provides a complete comparison of costs to help you choose the best option for your needs.

Mercury Auto Insurance Monthly Rates by Provider & Coverage Level

Additionally, uncover a range of discounts available from top providers, such as multi-policy savings, safe driver rewards, and more, to ensure you get the most value from your auto insurance policy. To gain further insights, consult our guide titled, “Auto Insurance Discounts for Affordable Coverage.”

These discounts can significantly reduce your premiums and may also include additional savings for new cars, military service, defensive driving courses, and more, depending on the insurer. Uncover affordable auto insurance rates from the top providers by entering your ZIP code above.

Key Factors and Tips for Affordable Mercury Auto Insurance

Auto insurance for Mercury vehicles is usually cheaper than for brand-new cars. Some used cars have higher insurance rates because replacement parts are hard to find, but Mercury drivers don’t have that problem. Since replacing or repairing a Mercury is relatively easy, insurance rates tend to stay low.

Before checking insurance rates for a Mercury, it’s important to understand the factors influencing your policy. These factors apply to both new and used Mercuries and include aspects like your driving history, location, and vehicle details. Knowing these will help you find the best coverage and rates. These factors include:

• Car Details: Model, age, and history affect rates; color doesn’t.
• Gender: Men often pay more due to riskier driving but lessens with age.
• Age: Young drivers pay higher premiums due to inexperience.
• Location: Safer areas usually have lower insurance rates.
• Driving History and Credit Score: Clean records and good credit lower rates.

While most companies use the same factors to craft insurance quotes, they use them in unique formulas. It’s important to compare quotes from several companies since it’s hard to know where you’ll find your lowest rates. If you skip the crucial step of comparing quotes, you’ll likely overpay.

With all these factors in mind, Mercury auto insurance is usually cheap. The average Mercury owner pays between $48 and $68 a month for auto insurance. To broaden your understanding, explore our comprehensive resource titled, “Why is auto insurance more expensive than the value of my car?”

Although rates are usually low, Mercury auto insurance quotes can be difficult to estimate. The newest Mercury you could buy is over 10 years old, which makes estimating your insurance rates more challenging.

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Types of Mercury Auto Insurance Coverage

While there are several types of auto insurance on the market, most drivers look for two main policies when looking at Mercury insurance reviews — minimum insurance and full coverage. Minimum insurance is the least amount of coverage you can buy in your state and still legally drive. Full coverage costs more, but it offers much better protection for your car.

Whether you want Mercury insurance full coverage or minimum insurance, most companies offer the following basic types of coverage:

• Liability: Auto liability insurance covers damage and injuries you cause to other people and their property. Most states require liability insurance before you can drive or register your vehicle which is covered in our guide titled, “Affordable Liability Auto Insurance Coverage.”
• Comprehensive: Comprehensive insurance covers damage outside of accidents. This damage includes extreme weather, floods, fires, animal contact, theft, and vandalism. Check our report titled, “Affordable Comprehensive Auto Insurance Coverage” for more details.
• Collision: Liability insurance doesn’t pay for your car repairs after an at-fault accident. If you want help with your car, you need collision insurance.
• Uninsured/Underinsured Motorist: Although most states require insurance, some drivers go without it. If someone hits you without enough coverage, uninsured motorist insurance will pay for your repairs. For additional info, check our resource titled, “What happens if you hit an uninsured driver?“
• Personal Injury Protection/Medical Payments: Depending on the state you live in, you can purchase medical payments or personal injury protection insurance to pay for your medical expenses after an accident. Discover our guide titled, “Affordable Personal Injury Protection (PIP) Auto Insurance Coverage.”

Since Mercuries are at least 10 years old, many drivers opt to save money on their insurance and buy the bare minimum their state requires. Full coverage costs more and offers protection many used cars don’t need, so current Mercury owners can skip the extra insurance. Read more in our resource titled, “Affordable Full Coverage Auto Insurance.”

Tips to Save on Mercury Auto Insurance Rates

Mercury auto insurance is almost always on the low side, but today’s rising prices mean everyone should try to save where they can. If you drive a Mercury and want to save, try the following methods:

• Raise Your Deductible: Your auto insurance deductible is the portion you need to pay before your insurance kicks in when you file an auto insurance claim. If you choose a higher deductible, your monthly rates will be smaller.
• Look For Discounts: Auto insurance discounts are valuable tools to lower your rates. The company you buy insurance from should have several auto insurance discounts you qualify for. For additional insights, check our resource titled, “Auto Insurance Discounts for Affordable Coverage.”
• Reduce Your Coverage: Since Mercuries are older cars, you can save by buying the least amount of coverage you need. If you have questions about how much insurance you need, a representative from your company can help.
• Find A Usage-based Insurance Program: To help low-mileage drivers, most companies offer a usage-based insurance program. The programs reward drivers for their safe driving habits, including limiting their miles and driving during the day. For more details, consult our guide titled, “Best Low-Mileage Auto Insurance Discounts.”
• Improve Your Credit Score: It isn’t a quick solution, but you can lower your rates by improving your credit score.

Even without applying the tips provided, you’re likely to find affordable insurance for a Mercury vehicle. Mercury cars are known for their reliability and safety, which generally results in lower insurance premiums compared to other vehicles.

 

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Their reputation for being easy to maintain and repair contributes to these lower costs. Many insurance companies offer reduced rates for used cars like Mercurys. Thus, the inherent qualities of Mercury vehicles make them a cost-effective choice for auto insurance.

Top Providers for Affordable Mercury Auto Insurance

Affordable auto insurance for Mercury vehicles is available from top providers like Geico, Progressive, and Erie, with rates starting around $50 per month. Geico has low rates and many discounts but few local agents, while Progressive offers competitive rates and diverse coverage, though it’s pricier for high-risk drivers. Erie is known for strong local service but may not be available in all states.

With Mercury vehicles typically being older, insurance rates are generally low, averaging between $50 and $75 per month. While minimum coverage often suffices, full coverage offers better protection, and discounts like multi-policy savings and safe driver rewards can further reduce premiums. For comprehensive analysis, check our report titled, “Affordable High-Risk Auto Insurance.”

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