To cancel your Mercury insurance, you have to call your local agent or customer service, visit a broker office, or send a written cancellation request by mail.

Written by Amber Reed

Reviewed by Amy Bobinger

Updated on Jan 29, 2024

Table of Contents

How to cancel your Mercury car insurance policy
Does Mercury charge a cancellation fee?
Does Mercury refund you if you cancel your auto insurance policy?
Does Mercury have a grace period for nonpayment?
Should you cancel your Mercury insurance?

Load full table of contents

To cancel your Mercury car insurance, call customer service at 1-800-503-3724, send a written cancellation request by mail, or meet your insurance agent in person.

If you’re moving out of one of the eleven states where Mercury provides coverage—or you simply found cheaper rates with another company—then you might need to cancel your

car insurance

. But because being uninsured for 30 days or more can result in higher premiums, be sure to get yourself set up with new car insurance before canceling your old policy.

MORE:

Mercury car insurance review

Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds (Title in payload)

Find Savings!

4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars

4.7/5 app rating | Trusted by 5M+ drivers

How to cancel your Mercury car insurance policy

Mercury is an auto insurance provider which only offers coverage in

, and

. Because of their relatively small size compared to nationwide auto insurance companies such as Allstate or GEICO, Mercury policy cancellations can not be done online or through the company’s mobile app.

Instead, if you want to cancel your Mercury auto insurance coverage, you have four options.

Visit your broker office to speak to your insurance agent in person.

Call your agent and cancel over the phone.

Call the Mercury customer service department at 1-800-503-3724 and get connected to an adjuster.

Pro Tip If you're changing auto insurance providers while paying off a
car loan
on a financed vehicle, make sure you contact your lender and give them your new policy information.

MORE:

How does a car insurance lapse affect rates?

Can you cancel a Mercury policy without calling?

While Mercury doesn’t offer the convenience of online cancellations, you can still cancel your car insurance without talking on the phone. However, if you don’t want to speak to anyone, your only option is to cancel by sending a written letter to Mercury’s headquarters in

Brea, CA

On the other hand, policyholders who don’t want to speak on the phone but don’t mind discussing their cancellation in person can visit a Mercury office and speak with a local agent.

MORE:

How to get an accurate car insurance quote

Does Mercury charge a cancellation fee?

Yes. When you cancel your Mercury auto insurance, you’ll have to pay 10% of your remaining premium. This means that if you cancel early in your policy period, you could be looking at a fairly expensive cancellation fee. But if you cancel close to your renewal date, you’ll pay very little—and canceling on your renewal date itself means you’ll pay no cancellation fee at all.

Does Mercury refund you if you cancel your auto insurance policy?

If you prepaid for your Mercury car insurance, then you’re entitled to a reimbursement. This refund is made up of the unused portion of your premium minus the insurance cancellation fee. According to Mercury, you should receive your refund within two weeks of the day you cancel your policy.

Does Mercury have a grace period for nonpayment?

Yes—like most insurance companies, Mercury will not immediately cancel your policy if you miss a payment. You’ll still have to pay what you owe, of course, but you get a grace period in which to pay your overdue bill based on where you live. To find out the specific grace period for your state, check your policy paperwork.

Keep in mind that if you don’t pay your bill by the time your grace period expires, your policy will then be canceled automatically—and you’ll be required to re-enroll before you can get your coverage back.

MORE:

What happens if you don’t pay your car insurance?

Should you cancel your Mercury insurance?

There are plenty of reasons why you might consider canceling your Mercury insurance policy, such as:

You can’t afford your current insurance rate.

You

can’t afford your deductible

You prefer the coverage options offered by another provider.

You purchased a new car and it caused your rate to go up.

You have violations on your driving record which caused your premium to spike.

You

sold your vehicle

or got married.

You

moved

to a state where Mercury insurance isn’t offered.

Another car insurance company offered you a cheaper insurance premium.

You bought renters insurance or homeowners insurance from a different provider, and want to take advantage of their bundling discount.

You aren’t happy with the way Mercury handles insurance claims.

These are all valid reasons to start shopping for new car insurance quotes, but they don’t automatically mean you should cancel your policy with the Mercury insurance company. Instead, start comparing new insurance options by gathering quotes and reading insurance reviews.