Compare USAA vs. Mercury Insurance

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USAA and Mercury are two big names in the insurance world. USAA was founded in 1922, and Mercury was founded, 40 years later, in 1962. While Mercury is well liked because of its discounts and prompt claims process, the sign-up process can be difficult. USAA has one of the highest customer service scores.

Even though USAA offers amazing rewards and great customer service support it is only available to military members and their families. Yet and still, both USAA and Mercury have great roadside assistance services and superior financial strength 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

  USAA Mercury
Best If USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Mercury
  • You want a lot of good discounts
Worst If USAA
  • You are not in the military, and do not have a parent who served in the military
Mercury
  • You want an easy sign-up process

Special Car Insurance Discounts

USAA Mercury
USAA Mercury

Standard Car Insurance Discounts

Bundling Coverage Discounts USAA Mercury
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features USAA 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 USAA Mercury
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships USAA Mercury
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances USAA Mercury
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts USAA Mercury
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

USAA Car Insurance Mercury Insurance
2016 245 71
2015 415 92
2014 380 105
2013 270 83

U.S. Auto Insurance Shopping Study (2016)

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

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

USAA Car Insurance Mercury Insurance
Overall Satisfaction Among the best Average
First Notice of Loss Among the best Average
Service Interaction Average Average
Appraisal Among the best Below average
Repair Process Above average Below average
Rental Car Experience Among the best Average
Settlement Among the best Average

Financial Strength Ratings

USAA Car Insurance Mercury Insurance
A.M. Best A++ A+
Moody's Aaa --
S&P's AA+ --

Mobile Apps

USAA Mercury
USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the app 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

USAA Mercury
USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.

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.