Does Mercury Have Good Roadside Assistance Coverage?

Last Updated on July 21, 2022

Mercury offers auto insurance, including roadside assistance, in most states.

Mercury’s roadside assistance covers towing, locksmith services, battery jumpstarts, flat tire changes, and other roadside emergencies.

Keep reading to discover what’s covered by Mercury’s roadside assistance and whether or not it’s worth it.

Table of Contents:

How Does Mercury’s Roadside Assistance Work?

Mercury offers roadside assistance with similar perks to other providers. You pay a few extra dollars per month, then receive complimentary service for certain roadside emergencies.

If your car breaks down and needs to be towed to the nearest service station, for example, then you can contact Mercury’s 24/7 roadside assistance helpline. Mercury will dispatch a technician to your location, and that technician will tow your car to the nearest service station.

You can contact Mercury’s roadside assistance at any time at (866) 519-6478 to speak with a representative.

You can also opt-in to receive texts from Mercury about your roadside service request. You can get real-time status updates on the technician’s location, for example, to give you better peace of mind.

What’s Covered

Mercury’s roadside assistance has similar coverage to other roadside assistance policies.

Here’s what is covered by Mercury’s roadside assistance:

Towing: Mercury will tow you to the nearest repair facility up to the following limits: $75 (for 15 miles), $500 (for 100 miles), or $1,000 (for 200 miles). You choose your desired towing coverage when setting up your policy.

Locksmith: Mercury helps you regain access to your vehicle if your keys are lost, stolen, or accidentally locked inside your vehicle. Mercury will help dispatch a qualified service professional to your vehicle’s location. You only pay for the cost of the new keys. You don’t pay for the locksmith service itself.

Battery Jumpstart: If your battery is dead, then you can call Mercury to jumpstart the engine. Mercury will dispatch a technician to your location to jumpstart your battery and get you on your way.

Flat Tire Changes: Mercury can dispatch a technician to your location to change a flat tire. The technician will replace your flat tire with your spare tire, and you can drive to the nearest service station (or home) to get new tires.

Emergency Fuel and Fluid Delivery: If your car runs out of gas or other fluids, or if it overheats, then you can request emergency fuel and fluid delivery through Mercury’s roadside assistance. You pay for the cost of the gas or fluids, although you don’t pay for the technician service visit itself.

Mercury Covers Roadside Assistance Performed in-House or By Third Parties

Mercury covers roadside assistance whether you request roadside assistance through the Mercury Roadside Assistance program or contact a third-party on your own.

Here’s how Mercury covers different types of roadside assistance:

If you request service through the Mercury Roadside Assistance program, then Mercury will cover the service automatically; you may pay for specific aspects of the service (like the gas delivered to you or the cost of the replacement key), but Mercury covers all other costs behind the scenes.

If you request your own roadside assistance through a third-party provider (say, if you call your own towing company), then Mercury may still cover the cost of the visit; you pay for the service yourself, then submit the receipts to Mercury, and Mercury will reimburse all reasonable and customary charges.

Mercury covers a maximum of 5 incidents per year. In comparison, most providers cover 2 to 4 incidents per year.

Advantages of Mercury Roadside Assistance

Mercury’s roadside assistance comes with several perks over competing roadside assistance plans.

Here are some of the advantages of Mercury’s roadside assistance:

Affordable for Mercury Customers: If you’re a Mercury customer, then roadside assistance tends to be more affordable than AAA and other third-party roadside assistance providers. You pay $10 to $40 per year, or a few extra dollars per month, for complete roadside assistance coverage. In comparison, most third-party roadside assistance companies charge $60 to $150 per year.

Long Towing Coverage: Mercury offers multiple towing limits based on how you build your plan. You can choose to have $75 (15 miles, $500 (100 miles), or $1,000 (200 miles) of complimentary towing coverage, for example. If you frequently drive long distances, or if you’re preparing for a lengthy road trip in remote parts of the country, then this long towing coverage could be worth it.

Covers Most Roadside Emergencies: Mercury’s roadside assistance covers most roadside emergencies, including towing, locksmith services, jumpstarts, flat tire changes, and emergency fuel and fluids, among other emergencies.

Covers Third-Party Roadside Assistance Companies: If you are unable to contact Mercury’s roadside assistance hotline and you use a third-party instead, then you can still get reimbursed. You send receipts to Mercury after the incident, and Mercury will reimburse all reasonable and customary charges.

Live Text Message Updates: Mercury offers live text message updates, making it easy to view the technician’s location and get added peace of mind.

5 Complementary Incidents Per Year: Most roadside assistance plans cover 2 to 4 incidents per year. Mercury, however, has a surprisingly high limit: you can request up to 5 service calls per year without paying extra.

Added Peace of Mind and Protection: If you’re uncomfortable changing a tire on the side of the road, or if you want added peace of mind and protection, then Mercury’s roadside assistance (or any roadside assistance) may be worth it.

Available 24/7: Like most roadside assistance policies, Mercury’s roadside assistance coverage is available 24 hours a day, 7 days a week. You can contact Mercury’s helpline at any time for immediate service.

Downsides of Mercury Roadside Assistance

Mercury’s roadside assistance is similar to other providers. However, some downsides include:

No Winching: Many roadside assistance plans offer winching or extrication services. That means they’ll winch you from a ditch on the side of the road. Mercury, however, does not offer winching or extrication services.

More Expensive Than Other Providers: Mercury’s roadside assistance is very affordable, priced at $10 per year for newer vehicles and $20 to $40 per year for older vehicles. However, many other insurers offer similarly affordable pricing. Some of Mercury’s larger competitors charge $20 to $30 per year for similar in-house roadside assistance, for example.

Not Available in All States: Mercury’s roadside assistance may not be available in all states, and Mercury does not sell car insurance in all states. Mercury’s roadside assistance is only available in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.

No Coverage for Boats, RVs, or Motorcycles: Most roadside assistance policies do not automatically cover boats, RVs, or motorcycles, although you may be able to pay extra to add coverage. With Mercury, however, there is no coverage for boats, RVs, or motorcycles.

How Much Does Mercury’s Roadside Assistance Cost?

Mercury’s roadside assistance costs $10 to $40 per year, depending on the age of your vehicle and other factors.

If you drive a newer vehicle, then you should pay around $10 per year for roadside assistance.

If you drive an older vehicle, Mercury may charge $20 to $40 per year.

Final Word on Mercury’s Roadside Assistance

Mercury offers roadside assistance for added protection and peace of mind.

Priced at $10 to $40 per year, Mercury’s roadside assistance covers similar things to other providers, including towing, jumpstarts, and vehicle lockout services.

To learn more about Mercury’s roadside assistance or to add it to your policy today, contact Mercury.

James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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