Mercury Insurance Reviews

Based on Mercury Insurance reviews, coverage options and costs, our team gives the company a score of 7.9 out of 10.0. The provider earns points for reported low costs and its selection of coverage options and add-ons, but its limited availability and complaints about the claims process hold it back.

If you live in one of the 11 states where Mercury Insurance offers coverage, you may want to request a quote from the company to compare it to other providers. However, we would recommend other choices for most drivers.

*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

Pros and Cons

Better Business Bureau (BBB) rating: C-
BBB accreditation status: Not accredited
AM Best financial strength rating: A (Excellent)

A subsidiary of the Mercury General Corporation, Mercury Insurance has provided car insurance since 1962. The company’s headquarters are in Los Angeles, and Mercury is one of California’s leading car insurance agencies. Customers in the Golden State account for 80% of Mercury’s business.

Mercury Insurance reviews highlight its low rates and 24/7 policy and claims support. The company has a network of more than 8,000 independent local agents across the 11 states it serves. In addition to car insurance, Mercury offers the following insurance products:

• Business auto insurance
• Business insurance
• Homeowners insurance
• Renters insurance
• Umbrella insurance
• Condo insurance
• Landlord insurance

What States Does Mercury Insurance Cover?

Mercury car insurance is available in these 11 states:

• Arizona
• California
• Florida
• Georgia
• Illinois
• Nevada
• New Jersey
• New York
• Oklahoma
• Texas
• Virginia

Mercury Insurance reviews tend to be mixed overall. While many customer reviews praise the company’s customer service and low rates, others complain of issues with insurance claims processing. Positive Mercury Insurance reviews typically mention responsive, knowledgeable customer support representatives, while negative feedback often reports difficulty contacting anyone at the company.

Our team reached out to Mercury Insurance for a comment on these reviews, and a spokesperson for the company refused to comment.

Auto insurance providers don’t usually publish their rates online because they calculate rates for each policyholder individually. Some Mercury Insurance reviews do mention low rates on car insurance, but as with all other providers, your rates will vary.

Here are some of the factors Mercury Insurance uses to determine your premiums:

• Coverage options: Your premiums go up as you add more coverage to your insurance policy. Rates will also rise as you increase the coverage limits on your policy.
• Deductible: Having a higher deductible will save you money on your car insurance premiums.
• Driving history: A recent traffic violation or at-fault accident will make your premiums much more expensive. You’ll get access to the lowest rates if you have a clean driving record.
• Credit history: In general, drivers with poor credit pay more for coverage than drivers with good credit.
• Age: Younger drivers and seniors pay more for car insurance coverage than middle-aged drivers. Teens usually pay the most.
• Location: Rural drivers often pay less for coverage than drivers in urban areas, even in the same state.
• Vehicle: The size, make and model of your vehicle all contribute to the cost of your car insurance premiums.

Mercury Car Insurance Discounts

The company offers a wide range of discount opportunities to help make your Mercury auto insurance coverage more affordable. Here are some of the car insurance discounts that can help you save money:

• Mercury RealDrive^®: Mercury offers a 5% discount to policyholders who sign up for this program, which tracks how many miles you drive. Depending on your mileage, you may be eligible for further discounts.
• Multi-policy discount: You can qualify for a bundling discount by combining your home insurance with your car insurance at Mercury.
• Multi-car discount: If you insure more than one vehicle with Mercury, you’ll be eligible for a discount on your car insurance policy.
• Anti-theft feature discount: You can get a discount on your policy by installing an alarm or other anti-theft device on your vehicle.
• Good driver discount: Mercury offers a discount to policyholders who go for a specified amount of time without getting a ticket or getting into an accident.
• Good student discount: Students who maintain good grades in school (and their families) can get a policy discount from Mercury.
• Autopay discount: You can receive a discount for setting up automatic payments with your bank account or credit card to pay for your premiums.
• E-signature discount: If you use an e-signature to sign insurance documents, you’ll get a discount from Mercury.

Every state has its own minimum insurance requirements that specify the types and amounts of coverage you need to legally operate your vehicle. Mercury Insurance offers policies that meet these requirements with basic coverage options such as:

• Liability car insurance: Covers property damage and medical payments for bodily injuries to people in other vehicles in an accident you cause.
• Uninsured motorist coverage/underinsured motorist coverage (UM/UIM): Covers damages to your property or your medical expenses when a driver who causes an accident you’re involved in doesn’t have coverage or enough to cover the expenses.

Mercury Car Insurance: Additional Coverage Options

In addition to its standard offerings, Mercury offers several coverage choices and policy add-ons. Here are some of the options:

• Collision insurance: Damage to your vehicle is covered regardless of who is found at fault for the accident.
• Comprehensive insurance: This covers damage to your vehicle that isn’t from an accident, such as theft, vandalism or environmental conditions.
• Emergency roadside assistance: You’ll be covered for roadside services like towing, lockouts, tire repair, tire replacement and battery charging.
• Rental car insurance: You’ll get a reimbursement of $30–$100 per day for a rental car if your vehicle is inoperable or inaccessible after an accident, depending on the amount you choose.
• Rideshare insurance: This covers people who drive for rideshare services such as Lyft or Uber.
• Mercury mechanical protection: This covers unexpected repairs, similar to how an extended auto warranty works. You can protect yourself from the cost of fixing major mechanical issues like transmission failure for 7 years/100,000 miles.

While Mercury insurance is generally known for its car insurance, it also offers various other policies for homeowners and renters insurance. Below we will break down the coverage details of each.

Mercury Home Insurance

Standard home insurance policies with Mercury include six types of coverage including liability, medical payments to others, dwelling, other structures, personal property and loss of use. While this comes standard there are many options for add-on coverage which can include:

• Extended replacement cost
• Service line protection
• Home systems protection
• Home cyber protection
• Identity management services

Mercury also provides many discounts to sweeten the deal which include:

• New home
• Multiple policy
• Fire protective devices
• Theft protection devices
• Water Leak Detectors
• Loss-free for three or more years

Mercury Renters Insurance

Mercury policies are also available to renters and those who live in condos. Standard coverage for renters policies include guest medical protection, personal property protection and renters liability coverage. Add-on coverages for renters are the same as homeowners.

Renters insurance discounts are similar to its homeowners policies as well and are offered for security devices like alarm systems, deadbolt locks on exterior doors, smoke detectors and more.

Based on Mercury Insurance reviews, coverage options and costs, our team gives the company a score of 7.9 out of 10.0. The provider earns points for reported low costs and its selection of coverage options and add-ons, but its limited availability and complaints about the claims process hold it back.

If you live in one of the 11 states where Mercury Insurance offers coverage, you may want to request a quote from the company to compare it to other providers. However, we would recommend other choices for most drivers.

Mercury Car Insurance Competitors

While we don’t give Mercury Insurance our full recommendation, we do recommend considering car insurance coverage from Travelers and State Farm.

Travelers: Best for Most Drivers

Travelers ranks highly in our review of the best car insurance companies in the country, earning our Best for Most Drivers award. The company’s strong industry reputation, widespread availability and huge selection of coverage options and add-ons make it a provider worth checking out for almost any driver.

Keep reading: Travelers insurance review

State Farm: Best Customer Experience

State Farm is the most popular car insurance provider in the U.S., and for good reason. The company offers competitive rates, especially to teen drivers and students through a number of discounts. State Farm maintains a solid reputation within the industry and performs well in customer satisfaction surveys around the country.

Keep reading: State Farm insurance review

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.