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Buying auto insurance can be complicated, but Mercury makes it simple. We want you to have the right auto insurance coverage at the right price, and feel empowered with the knowledge to understand exactly how each coverage will protect you. Since there’s no such thing as a one-size-fits-all policy, our list of common types of auto insurance coverage1 allows you to create a policy that is tailored to fit your needs.
Get a quote today to build your personalized protection plan. If you’re still unsure about which car insurance coverage selections to make, you can always work with one of our knowledgeable agents to develop a tailored protection plan to fit your specific needs by calling (877) 413-1067. They’ll find all the insurance discounts you qualify for to keep rates low.
1Coverages may be subject to certain restrictions and limitations and may not be available in all states. Ask your local Mercury agent for more information.
Types of Car Insurance Coverage
Mercury offers a range of car insurance coverage types to ensure you're prepared for whatever comes your way. Here's a breakdown of the most common coverage options:
Liability Coverage
Liability coverage is required in most states and helps cover the costs if you’re found at fault in an accident. It’s divided into two main parts:
- Bodily injury liability: Covers medical expenses for injuries caused to others in an accident you're responsible for.
- Property damage liability: Helps pay for repairs to other people’s property, such as vehicles or buildings, if you're at fault in an accident.
Collision Coverage
Collision insurance covers damages to your vehicle in case of an accident, regardless of fault.
Comprehensive Coverage
Comprehensive coverage protects your vehicle from non-collision incidents like theft, vandalism, natural disasters, or hitting an animal.
Personal Injury Protection (PIP)
PIP, also known as "no-fault" insurance, covers medical expenses for you and your passengers, regardless of who’s at fault in an accident. It can also help with lost wages and other related expenses.
Uninsured/Underinsured Motorist Coverage
If you’re hit by a driver without insurance or insufficient coverage, uninsured/underinsured motorist coverage steps in to cover medical expenses and property damage.
Medical Payments Coverage
Medical payments coverage helps pay for medical expenses for you and your passengers after an accident, regardless of fault. It’s a valuable addition to ensure you're financially protected from high medical costs.
What Car Insurance Coverage Do I Need?
Choosing the right coverage means finding the perfect balance between what you want and what makes sense for your lifestyle. Here are a few factors to consider:
- Vehicle type: If you’re driving a new vehicle, you’ll likely want more comprehensive coverage to protect your investment. For older cars, you might opt for something more basic.
- Driving habits: If you’re on the road often, you may want more comprehensive protection. For occasional drivers, a more basic policy might suffice.
- Budget: Balance your need for protection with your budget. Higher deductibles can lower premiums but may result in higher out-of-pocket costs when filing a claim.
It’s also important to review your policy limits and make sure you’re not underinsured. Our local agents can help you find the right balance between cost and coverage so you have peace of mind at every turn.
Optional Car Insurance Coverage Add-Ons
Mercury also offers optional add-ons to give you even more protection:
Roadside Assistance
Roadside assistance is an optional 24/7 coverage you can add to your Mercury auto policy that will dispatch a roadside service professional to help get you back on the road. You can even opt-in via text to receive real-time status updates on your request.
Rental Car Reimbursement
When your car’s in the shop after an accident, the last thing you want to worry about is how you’re going to get around. With rental car reimbursement, Mercury takes care of the cost of a rental car while your vehicle is being repaired. Coverage limits range from $30 - $100 per day for up to 30 days.
Gap Insurance
If your car is totaled, gap insurance could be a lifesaver. The add-on option helps cover the difference between what you owe on your loan and the vehicle’s current value, making sure you don’t pay out of pocket for a car you can no longer drive.
Custom Equipment Coverage
If any of your aftermarket upgrades are damaged or stolen, this add-on helps you repair or replace them so you can keep your car looking and running just the way you like it.
Ride-sharing Coverage
Ride-sharing coverage extends protection to drivers working for Uber, Lyft, and other ride-sharing companies. The additional coverage protects you and your vehicle for the period in which your ride-sharing app is on, but has not yet accepted a customer. Mercury Insurance can provide the coverage you need for as little as $0.90 a day!
State-Specific Requirements
Car insurance requirements aren’t the same everywhere, and what’s mandatory in one state might not be required in another. Here are the minimum requirements for each state we serve:
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Arizona
In Arizona, drivers are required to have at least:
- $25,000 — Bodily injury per person
- $50,000 — Bodily injury per accident
- $15,000 — Property damage per accident
California
California mandates that drivers carry a minimum of:
- $15,000 — Bodily injury per person
- $30,000 — Bodily injury per accident
- $5,000 — Property damage per accident
NOTE: Effective January 1, 2025, the minimum requirements will increase to $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $15,000 for property damage per accident.
Florida
In Florida, the law requires motorists to have at least:
- $10,000 — Personal injury protection (PIP)
- $10,000 — Property damage per accident
Georgia
Georgia drivers must meet the following minimum insurance requirements:
- $25,000 — Bodily injury per person
- $50,000 — Bodily injury per accident
- $25,000 — Property damage per accident
Illinois
In Illinois, the state requires drivers to carry at least:
- $25,000 — Bodily injury per person
- $50,000 — Bodily injury per accident
- $20,000 — Property damage per accident
Nevada
Nevada law mandates that drivers have a minimum of:
- $25,000 — Bodily injury per person
- $50,000 — Bodily injury per accident
- $20,000 — Property damage per accident
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New Jersey
Drivers in New Jersey are required to carry at least:
- $5,000 — Property damage per accident
- $15,000 — Personal injury protection per person and per accident
New York
In New York, the state’s minimum insurance requirements include:
- $25,000 — Bodily injury per person
- $50,000 — Death liability person
- $50,000 — Bodily injury per accident
- $100,000 — Death liability per accident
- $10,000 — Property damage per accident
- $50,000 — Personal injury protection (PIP)
- $25,000 — Uninsured motorist bodily injury per person
- $50,000 — Uninsured motorist bodily per accident
Oklahoma
In Oklahoma, drivers must carry at least the following coverage:
- $25,000 — Bodily injury per person
- $50,000 — Bodily injury per accident
- $25,000 — Property damage per accident
Texas
Texas law requires motorists to have a minimum of:
- $30,000 — Bodily injury per person
- $60,000 — Bodily injury per accident
- $25,000 — Property damage per accident
Virginia
Drivers in Virginia must carry at least:
- $30,000 — Bodily injury per person
- $60,000 — Bodily injury per accident
- $20,000 — Property damage per accident
NOTE: Effective January 1, 2025, the minimum requirements will increase to $50,000 for bodily injury per person, $100,000 for bodily injury per accident, and $25,000 for property damage per accident.
How to Get Car Insurance Coverage
Getting coverage with Mercury is simple. You can start by finding an agent near you using our Agent Locator. Also, you can get started with a quote online or call us at (888) 364-1332.
How to Save on Auto Coverage
At Mercury, we believe in providing high-quality coverage at an affordable price. Californians, for example, save an average of $1,0082 with our auto insurance. Here are a few ways you can save:
- Bundling discounts: You could save up to 17.9% off your homeowners policy and 14.5% on your auto policy by bundling your insurance.
- Good driver discounts: Safe drivers are often rewarded with lower premiums.
- Multi-car discounts: If you insure more than one vehicle with Mercury, you may be eligible for savings.
Check our other auto insurance discounts and see how much you can save.
2Savings info. based on 2024 CA Department of Insurance rate comparison. Individual savings may vary.
Auto Coverage FAQs
What does full coverage car insurance cover?
Full coverage typically includes liability, collision, and comprehensive insurance. So, while "full coverage" doesn’t mean it covers everything under the sun, it does provide robust protection for both you and your vehicle in most situations.
What’s the difference between comprehensive and collision insurance?
Comprehensive covers non-collision events like theft or weather damage, while collision covers damages from accidents with other vehicles or objects, regardless of fault.
Is minimum car insurance coverage enough?
State minimum coverage may not be enough to fully protect you in the event of a serious accident. It’s a good idea to speak with a local agent to see what coverage is best for your situation.
Will my car insurance cover a rental car?
If you add rental car coverage to your policy, your insurance will help cover the cost of a rental car.
Does car insurance cover natural disasters or theft?
Yes, comprehensive coverage protects you from non-collision incidents like natural disasters and theft.
Learn More About Car Insurance Coverage
For additional insights into car insurance coverage, check out our top blogs:
Does Car Insurance Cover Animal Collisions?
Understanding the Types of Auto Insurance Discounts