Does Mercury Have Good Roadside Assistance Coverage?
Last Updated on January 12, 2026
Mercury offers auto insurance with an optional roadside assistance add-on in the states where it writes auto policies.
Mercury roadside assistance is meant for common non-accident breakdown situations—like needing a tow, jump-start, lockout help, a flat-tire change, or emergency fuel/fluid delivery. Coverage and limits depend on your state and policy endorsements, so always check your declarations page for the version you actually have.
Our Rating of Mercury Roadside Assistance
4.1
out of 5
★★★★☆
Summary
Bottom line: Mercury’s roadside assistance add-on is a strong fit for policyholders in its service states who want flexible towing limits and up to five covered service calls per year, but it does not include winching and you may still pay for items like fuel and replacement keys.
Coverage is designed for non-accident breakdown help like towing, lockout/locksmith dispatch, battery jump-starts, flat-tire changes (spare installation), and emergency fuel or fluid delivery. Towing is covered up to the limit you select (with costs beyond that limit on you), and if you use a provider outside Mercury’s dispatch program you may need to pay first and submit receipts for reimbursement of reasonable and customary charges. Availability is tied to where Mercury writes policies, and exclusions and limits can vary by state and endorsement.
Best for
- Mercury policyholders who want 24/7 dispatch for common roadside breakdown scenarios
- Drivers who want selectable towing limits (local, mid-range, or longer-distance)
- Households that value a higher annual service-call allowance (up to five incidents)
Not ideal for
- Drivers who need winching/extrication coverage for getting pulled out of a ditch or snow
- People outside Mercury’s coverage states or those who want a nationwide membership-style program
- Owners looking for coverage that extends to RVs, motorcycles, or boats
- Our Rating of Mercury Roadside Assistance
- How Mercury Roadside Assistance Works
- What’s Covered by Mercury Roadside Assistance
- Using Mercury Dispatch vs. Using Your Own Provider
- Pros and Cons of Mercury Roadside Assistance
- Where Mercury Roadside Assistance Is Available
- How Much Does Mercury Roadside Assistance Cost?
- Final Word on Mercury Roadside Assistance
- FAQs on Mercury Roadside Assistance
How Mercury Roadside Assistance Works
If you’ve added Roadside Assistance to your policy, you can request service 24/7. Mercury dispatches a service provider and (in many cases) you can opt into text updates so you can track the request in real time.
Mercury Roadside Assistance phone number: (866) 519-6478
Quick tip: Save the roadside number in your phone now and keep your location handy (mile marker/cross streets). Fast location info is usually the biggest factor in how quickly help arrives.
What’s Covered by Mercury Roadside Assistance
Mercury lists the following services as part of its Roadside Assistance coverage. Some items are covered as a service dispatch (you may still pay for materials like fuel or replacement keys), and towing is covered up to the limit you selected.
| Service | What Mercury Typically Provides | What You May Still Pay For |
|---|---|---|
| Towing | Tow to a nearby repair facility up to your selected limit (see towing limits below). | Any charges above your selected limit. |
| Locksmith/Lockout | Dispatch of a qualified service professional to help you regain access. | Replacement keys and related costs (see car key replacement cost). |
| Battery Jump-Start | On-site jump-start if possible. | A new battery or repairs if the vehicle won’t start. |
| Flat-Tire Change | Installation of your spare tire at the scene. | A new tire/wheel, or a tow if you don’t have a usable spare. |
| Emergency Fuel/Fluid Delivery | Fuel or needed fluids delivered if you run out of gas or overheat. | The cost of the fuel/fluids themselves. |
Mercury Towing Limit Options
Mercury states that towing is available up to the following limits (you choose the option that fits your driving habits):
| Towing Option | Coverage Limit | Best Fit For |
|---|---|---|
| Local Tow | $75 (about 15 miles) | Local commuting and short trips near home. |
| Mid-Range Tow | $500 (about 100 miles) | Long commutes and frequent intercity driving. |
| Long-Distance Tow | $1,000 (about 200 miles) | Road trips and rural driving where shops are farther apart. |
Note: Mileage figures are approximate and you’re responsible for costs beyond the stated limit.
Using Mercury Dispatch vs. Using Your Own Provider
Mercury’s Roadside Assistance page notes that if a service is performed by a provider outside the Mercury Roadside Assistance program, you may need to pay out of pocket and then submit receipts for reimbursement of reasonable and customary charges.
If Mercury Dispatches the Service
- You call the roadside line and Mercury sends a provider.
- Covered services are handled up to your policy limits.
- You may still pay for non-covered items (fuel, fluids, replacement keys, or anything beyond your tow limit).
If You Arrange Service Yourself
- Keep detailed receipts and the provider’s invoice (date, location, services performed, and charges).
- Submit documentation to Mercury for review under your roadside assistance coverage.
- Reimbursement (if approved) is typically limited to reasonable and customary charges and your selected coverage limits.
Pros and Cons of Mercury Roadside Assistance
| Potential Advantages | Potential Downsides |
|---|---|
| Clear towing choices with 15/100/200-mile options. | Not a repair plan—it won’t cover mechanical breakdowns (see does car insurance cover mechanical repairs?). |
| Helpful “stuck” services like jump-starts, lockouts, and flat-tire changes. | Winching/extrication isn’t listed among Mercury’s included roadside services; if you need it, compare alternatives and read our guide to winching coverage. |
| Option to seek reimbursement if you must use a provider outside the program. | You still pay for materials like fuel/fluids and replacement keys. |
| Convenient 24/7 dispatch with optional text status updates. | Availability depends on where Mercury writes policies (see state list below). |
Where Mercury Roadside Assistance Is Available
Mercury writes auto policies (and offers its coverages, including roadside assistance options) in a limited number of states. Mercury lists its auto availability in these states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.
To confirm availability and coverage options where you live, start here: Mercury Auto Insurance (States and Coverage).
How Much Does Mercury Roadside Assistance Cost?
Mercury does not publish one fixed price for roadside assistance because it varies by state, vehicle, and policy details. Mercury describes it as an add-on that typically costs a few dollars per month. Your quote and declarations page are the most reliable place to confirm your exact cost.
Quick tip: When comparing roadside add-ons to AAA or other memberships, match the towing limit first. Here’s a quick explainer on whether AAA is worth it for your driving style.
Final Word on Mercury Roadside Assistance
Mercury roadside assistance can be a practical, low-cost add-on if you want 24/7 dispatch for towing, lockouts, jump-starts, flat-tire changes, and emergency fuel/fluid delivery—covered up to the limit you selected. Just remember that you may still pay for items like fuel and replacement keys, and anything beyond your towing limit.
If you need help fast, call (866) 519-6478. For broader support (billing/policy questions), see our guide to the Mercury customer service contact number.
