Compare Esurance vs. Mercury Insurance

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Esurance and Mercury are two well-known companies in the auto insurance world. Esurance was founded in 1999, and Mercury Insurance was founded in 1962. In addition to its broad range of auto discounts, Mercury also offers its services to military members with unique coverage plans.

However, there have been frequent complaints about its customer service and ability to raise people’s premiums. Though Esurance’s roadside system is mediocre, it offers a huge amount of discounts and affordable auto premiums. Both companies have high financial strength and J.D. Power ratings.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Esurance Mercury
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
Mercury
  • You want a lot of good discounts
Worst If Esurance
  • You want excellent roadside assistance
Mercury
  • You want an easy sign-up process

Special Car Insurance Discounts

Esurance Mercury
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

Mercury

Standard Car Insurance Discounts

Bundling Coverage Discounts Esurance Mercury
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Esurance Mercury
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Esurance Mercury
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Esurance Mercury
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Esurance Mercury
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Esurance Mercury
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Esurance Mercury Insurance
2016 48 71
2015 67 92
2014 47 105
2013 43 83

U.S. Auto Insurance Shopping Study (2016)

Esurance Mercury Insurance
Overall Purchase Experience Average Above average
Policy Offerings Average Above average
Pricing Average Above average
Local Agent Average Average
Call Center Representative -- Average
Insurer Website Among the best --

U.S. Auto Insurance Claims Satisfaction Study (2015)

Esurance Mercury Insurance
Overall Satisfaction Below average Average
First Notice of Loss Below average Average
Service Interaction Below average Average
Appraisal Below average Below average
Repair Process Below average Below average
Rental Car Experience Below average Average
Settlement Below average Average

Financial Strength Ratings

Esurance Mercury Insurance
A.M. Best A+ A+
Moody's -- --
S&P's -- --

Mobile Apps

Esurance Mercury
Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

Mercury

Mercury Portal by Mercury Insurance Group is an app that lets you manage your auto insurance policies from your mobile device. You can use the app to pay your auto bills, view your policy information, contact your agent, request policy changes, and even view your policy claims and payment history.

To download the app for Android, click here.

Roadside Assistance

Esurance Mercury
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

Mercury

Mercury Mechanical Breakdown Protection

Mechanical Breakdown Protection essentially works as an extended warranty on your car. It covers the cost of repair when it breads down. While not exactly a roadside assistance program it covers that and more.

Roadside Services Covered

  • 24-hour roadside assistance
  • Rental car assistance
  • Tire protection
  • Trip interruption coverage
  • Nationwide protection
  • Repairs at any licensed repair shop
  • No limit to number of claims
  • Coverage is transferrable

Contact Phone Number

For Roadside Assistance, call our hotline (800) 503-3724.