Mercury Insurance Reviews: Pros, Cons, and Customer Ratings for 2025
Choosing a car insurance provider is a big decision that you don’t want to make without considering all relevant factors. Before selecting Mercury Insurance or another insurer as your provider, check if the company:
- Is financially stable and has a good reputation
- Offers coverage that fits your needs and budget
- Has a reliable claims process and excellent customer service
- Satisfies customers
This post walks you through Mercury insurance reviews and customer ratings to help you make an informed choice.
Mercury Insurance at a Glance: Key Facts for 2025
Mercury started back in 1962, offering car insurance to drivers in California. Since then, it has expanded into home insurance and now operates in multiple states across the U.S. Its headquarters are in Los Angeles.
If you need to prove compliance with your state’s minimum coverage, Mercury handles SR-22 filings on your behalf. Not all auto insurance companies do SR-22s.
What Coverage Options Does Mercury Insurance Offer?
Mercury offers most of the standard types of coverage.
Liability Coverage
Liability insurance is required in every state except New Hampshire. It’s usually divided into two categories:
- Bodily injury liability: Covers medical bills for people hurt in a car accident you caused
- Property damage liability: Pays for repairs if you damage other people’s property in an accident
This coverage is not just for car owners. Mercury also provides liability coverage for people who don’t own cars, in what is known as non-owner car insurance.
Collision and Comprehensive Coverage
Collision and comprehensive insurance covers the cost of repairing or replacing your car in case of a collision, regardless of who caused the accident. It also protects your car from non-collision incidents, including:
- Natural disasters like hurricanes
- Theft
- Vandalism
- Car-animal accidents
Additional Coverage Options
Mercury’s extra auto insurance policies include:
- Rental car reimbursement: The insurance policy covers the cost of renting a vehicle while your car is being repaired after an accident.
- Roadside assistance: Mercury will dispatch an auto professional to help you get back on the road if your car breaks down while driving.
- Gap insurance: If your car is badly damaged and can’t be repaired (or it would cost more to repair than the vehicle is worth), Mercury pays you the difference between the car's actual value and what you owe on a loan or lease.
- Ride-share insurance: This extra coverage is for drivers working for Uber, Lyft, and other ride-sharing companies.
- Pay-per-mile insurance: These rates are based on miles you drive per day (Mercury’s RealDrive, a usage-based insurance program)
Despite providing many auto policies, Mercury doesn’t offer new car replacement insurance. That means if your damaged car is irreparable or the repair is more expensive than its worth, Mercury won’t reimburse you for a new model.
How Do Mercury’s Rates Compare to Other Insurers?
Mercury and any other insurance company base rates on many factors, including your:
- Age and gender
- Location
- Driving habits
- Personal information like marital status
- Vehicle’s make, model, age, and claims history, and whether it’s owned, leased, or financed
- Car usage (how often you use it and for what purpose)
- Eligibility for driver discounts
To get accurate, tailored rates, it’s best to use a free car insurance comparison tool that considers these factors when comparing Mercury’s auto insurance premiums to other insurers. But here is a general price comparison:
| Auto Insurance Company | Average Annual Rates |
|---|---|
| Shelter Insurance Co. | $1,453 |
| Erie Insurance | $1,488 |
| The Hartford | $1,549 |
| American Family | $1,551 |
| PEMCO Insurance | $1,554 |
| Ameriprise | $1,561 |
| Metropolitan Insurance Co. | $1,563 |
| Grange | $1,565 |
| 21st Century Insurance | $1,638 |
| American Alliance | $1,646 |
| Auto-Owners Insurance | $1,671 |
| Safeway Insurance | $1,688 |
| American National | $1,709 |
| Mercury Insurance | $1,711 |
| Arbella | $1,718 |
Source: EverQuote | |
Customer Reviews: What Are Policyholders Saying?
In EverQuote’s survey of the 15 best car insurance companies, Mercury earned a customer satisfaction score of 4.5 out of 5. In the study, about 72% of its policyholders said they would choose Mercury again, second only to USAA, which had a slightly higher percentage of 73%.
The following Mercury auto insurance reviews and ratings from Trustpilot and the company’s website highlight the insurer’s pros and cons:
Positive Mercury Car Insurance Reviews
Trustpilot user
Trustpilot user
Trustpilot user
Reviewer on Mercury’s Website
Negative Mercury Insurance Rating and Reviews
Trustpilot user
Trustpilot user
Reviewer on Mercury’s website
Claims Process and Customer Service Quality
You can file an insurance claim with Mercury anytime through its automated digital system, which walks you through each step on screen.
Prefer to speak with someone? Mercury also offers a 24/7 claims hotline at (800) 503-3724. A representative will guide you through the process.
Once you file a claim, it is investigated and then approved, denied, or partially settled. How long it takes to process your claim depends on the complexity of your situation.
Mercury is known for a straightforward claims process and responsive customer service. However, customers on Yelp report mixed experiences.
Yelp User
Yelp User
Mercury’s Financial Strength and Availability by State
Mercury is considered financially strong. It earned an “A” (Excellent) financial strength rating from AM Best, one of the leading credit rating agencies for the insurance industry. This rating reflects Mercury’s current ability to meet its financial obligations and pay out claims.
While the company is financially stable, it only offers services in 11 states:
- Arizona
- California
- Florida
- Georgia
- Illinois
- Nevada
- New Jersey
- New York
- Oklahoma
- Texas
- Virginia
Who Should Consider Mercury Insurance?
If you’re looking for an auto insurer with all basic coverage options, multiple insurance discounts, local agent support, and solid financial strength, Mercury can be good for you. However, only consider the company if it operates in your state.
Compare Auto Insurance Quotes Tailored to You
Insurance prices change daily and vary greatly by ZIP code and driver profile. The best way to get the right coverage for the right insurance costs is to compare custom options.
With Everquote, you can get Mercury’s rates tailored to your needs and compare them with other insurance providers for free. Get custom car insurance quotes today in just a few minutes.