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Search by Quote ID → Search by Date of BirthFind 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 along with great service. But don’t just take it from us, our customers rate us as one of the top vehicle insurers in the U.S. for customer service, claims handling and pricing.1
How to Apply for Car Insurance
Applying for car insurance is fast and simple with Mercury Insurance. Whether you’re looking for a vehicle insurance policy for the first time or switching providers, you can get covered in just a few steps:
- Gather your information: This includes driver’s license information, vehicle details (make, model, year), and Vehicle Identification Number (VIN).
- Get a free automobile insurance quote online: To start your auto coverage quote, enter your ZIP code and then fill out the required details provided on screen.
- Select your coverage: Customize your policy based on your needs and budget. Mercury agents can help you determine how much auto insurance coverage you need.
- Complete your application: Review your selected policy and pricing, provide payment details, and set up your account.
- Start driving with confidence: Print or download your insurance ID cards, and access your policy anytime via the Mercury customer portal.
What our Customers are Saying
Since 1962, millions of customers have trusted Mercury to provide them affordable and quality coverage for their home and auto needs. Read about their experiences.
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.
Low Rates Plus Great Discounts Equal More Savings with Mercury
Mercury Insurance is committed to offering affordable car insurance without compromising on quality. Add one or more of our many discounts, and you can lower your rate on auto insurance even further. Some of these discounts include:
- Anti-Theft Discount: Save when your vehicle has anti-theft features, such as car alarms and GPS trackers.
- Multi-Policy Discount: Bundle auto with home or renters insurance for extra savings.
- Good Driver Discount: Earn a discount for maintaining a clean driving record.
- Multi-Vehicle Discount: Save when you insure multiple vehicles on the same policy.
- Good Grades Discount: Young drivers with good grades qualify for lower rates.
Get a free insurance quotation online to see which discounts you qualify for, or speak with one of our agents who can help you find extra savings on your auto insurance.
How Different Car Insurance Packages Protect You and Your Family
You may be a responsible driver, but that doesn’t mean everyone on the road is too. 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.
Not sure how much auto insurance coverage you need? Mercury agents can help you find the right balance of protection and affordability.
Liability Protection
Liability insurance covers damages and injuries you cause to others in an accident. Most states require minimum liability coverage, which includes:
- Medical expenses for other drivers and passengers
- Repairs for other vehicles or property you damage
- Legal fees if you’re sued after an accident
Comprehensive Coverage
Comprehensive insurance covers non-collision-related damage to your vehicle, including:
- Theft
- Falling objects such as tree branches
- Vandalism
- Hailstorms
- Floods
- Fire
It’s optional coverage, but if you lease or finance your vehicle, your lender may require it.
Uninsured/Underinsured
Uninsured/underinsured motorist coverage helps if you’re hit by a driver who has no insurance or not enough coverage. This type of coverage helps pay for:
- Medical bills for you and your passengers
- Lost wages due to injuries
- Damage to your vehicle (depending on your policy)
Collision Protection
Collision protection covers damage to your car from an accident, regardless of who’s at fault. It’s typically optional unless your lender requires you to carry this coverage. Specifically, collision protection can help pay for repairs or a replacement for your car when it’s involved in:
- A collision with another vehicle
- A collision with a fixed object (e.g., tree or guardrail)
- Single-vehicle rollover
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 | Protection Needed |
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Your vehicle is rear-ended by another vehicle and you’re injured. |
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You hit and injure a pedestrian and are legally at fault. |
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Your vehicle is damaged in a non-collision situation, such as a wildfire, hail or flood. |
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Your vehicle is damaged when driving over a pothole. |
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Your vehicle is vandalized. |
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Your vehicle is hit by another driver with no insurance. |
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You're injured in a car collision and have medical bills. |
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You drive for a TNC and get in a car collision with the app on but haven't accepted a fare. |
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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.
You have questions and we have answers.
What factors determine the cost of auto insurance?
The cost of auto insurance depends on a number of factors, including the vehicle you drive, where you live, your driving record, your age, your marital status, your type of vehicle, and more.
To find out exactly how much auto insurance will cost you, speak to a Mercury agent by calling (855) 984-3522 or get a free quote online.
How much auto insurance coverage do I need?
Your driving habits, vehicle, location and budget all determine how much coverage you need. You should consider the following when thinking about your auto insurance coverage options:
- Your state may require you to have liability insurance.
- If you’re making payments on your car, you may be required to have collision coverage.
- Choosing a higher deductible lowers the amount you pay for insurance, but it also increases the amount you pay out-of-pocket after a loss.
- If you have an older vehicle with a lower value, it might not make sense to pay for more expensive lines of coverage.
Taking the time to think about these things will put you on a path to better understand what level of car insurance you need. Mercury has more tips on this subject and we always recommend speaking with one of our agents. An agent can create a customized policy that is tailored to your needs.
Does Mercury offer car insurance in my state?
Mercury is proud to offer auto insurance and coverage in the following states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, Virginia.
Each state has varying laws surrounding driving requirements. Reach out to a local Mercury Insurance agent today to find the coverage that best meets your needs.
How much is full coverage insurance?
The cost of full coverage insurance varies based on factors like your location, driving history, vehicle type, coverage limits, and deductibles. Get a free quote online for a personalized estimate.
How do I apply for car insurance?
Applying for car insurance is simple with Mercury! Here’s how:
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Enter your ZIP code and start a free insurance quotation.
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Provide basic details about your vehicle, driving history, and coverage needs.
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Compare your options and choose the best vehicle insurance policy for you.
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Sign up and get covered instantly.
What is the minimum liability insurance I am required to have?
Many states require drivers to have liability insurance to make driving financially safe for everyone on the road. If you don’t have the required amount of insurance, you may be subject to fines and the state might even revoke your license and registration.
Find out how much insurance your state requires.
How can I lower my auto insurance premium?
Everybody loves to save money. Thankfully, there are a number of ways to help to lower your premium and qualify you for discounts. These may include:
- The type of vehicle you drive
- Anti-theft features installed in your vehicle
- Where you live
- Your driving record and annual vehicle mileage
- Teen driver school grades
- The number of cars insured by Mercury and other policies you may have with Mercury
A Mercury agent can help you find additional factors and discounts to lower your premium. Read more about discounts available from Mercury.
Can I get a free Mercury car insurance quote today?
Yes! You can get a free car insurance quote online in just a few minutes. Simply enter your ZIP code, fill in some details, and receive a customized auto coverage quote instantly.
What does Mercury car insurance cover?
Mercury offers a variety of auto insurance coverage options, including liability protection, comprehensive coverage, collision protection, and uninsured/underinsured motorist coverage. A Mercury agent can help you choose the right policy.
How do I know if I have comprehensive coverage?
You can check if comprehensive coverage is included in your policy by logging into the Mercury customer portal and reviewing your policy documents, or contacting a Mercury agent for confirmation.
1Insure.com recently surveyed more than 3,100 U.S. insurance customers to generate the list.
2Discounts subject to qualification requirements and may not be available in all states.