Compare USAA vs. Mercury Insurance

Get affordable car insurance quotes from top companies like USAA and Mercury

USAA and Mercury are two big names in the insurance world. Mercury is well liked because of its discounts and prompt claims process. But 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's only available to military members and their families. Yet, both USAA and Mercury have great roadside assistance services and superior financial strength ratings.

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

Best If/Worst If

USAA

Best if

  • You (or a parent) are a member of the military, and customer service is very important to you

Worst if

  • You are not in the military, and do not have a parent who served

Mercury

Best if

  • You want a lot of good discounts

Worst if

  • You don't live in the 11 states where Mercury sells auto insurance

Compare Insurance Prices

Comparing quotes is the best way to get your lowest rates from top insurers like USAA and Mercury. QuoteWizard is an independent company that helps you find your right policy at your best rate.

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

U.S. Auto Insurance Shopping Study (2016)

USAA Car Insurance Mercury Car 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 Car 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 Car 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 easily 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 USAA mobile app here

Mercury

Mercury Portal

This app lets you manage your auto insurance policies from your mobile device. You can: pay your auto bills, view your policy information, contact your agent, and request policy changes. You can even view your policy claims and payment history.

Download the Mercury App for Android or iPhone

Roadside Assistance

USAA Mercury
USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. 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

1 (866) 375—5374.

Mercury

Mercury Roadside Assistance

Mercury's roadside assistance coverage offers the following services: 

  • Towing
  • Locksmith
  • Battery jump start
  • Flat tire change
  • Emergency fuel and fluid delivery

If services are done by a provider outside of the Mercury program, you'll have to pay the costs upfront, but you can request reimbursement from Mercury.  

Contact Phone Number

Call the hotline (800) 519-6478.