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About Mercury Insurance
Mercury sells primarily auto insurance, with most of its business (84%) in California, according to S&P Global Market Intelligence. Mercury's next largest states for business are Florida, Texas and Georgia.
Mercury also offers home, condo, renters, business insurance, commercial auto insurance and more.
In this review:
Auto insurance satisfaction ratings
Auto insurance policy features
Website & app ratings
Auto insurance complaints
Car insurance discounts
Mercury contact information
Mercury auto insurance customer satisfaction ratings
We asked current customers of Mercury to rate the company on several measures. Here's how they scored the company.
Overall satisfaction: 4 stars
Price satisfaction: 4 stars
Customer service satisfaction: 4 stars
See more company ratings in our best car insurance companies survey.
Would you choose Mercury again?
As another measure of satisfaction, we asked current Mercury auto insurance customers if they would choose the company again.
In our survey, USAA had the highest percentage of people who would choose the company again (73%).
Mercury car insurance price comparison
Here's a look at how car insurance premiums compare among Mercury and other large auto insurance companies nationwide.
|Company||Monthly premium paid|
|1||Shelter Insurance Co.||$1,453|
|7||Metropolitan Insurance Co.||$1,563|
|9||21st Century Insurance||$1,638|
Does Mercury Insurance have what you want?
Do you want special features in a car insurance policy? Here's a look at what Mercury offers as add-ons or separate policies:
- Accident forgiveness insurance? No.
- New car replacement insurance? No.
- Gap insurance? Yes.
- Non-owner insurance? Yes.
- Rideshare insurance for Uber, Lyft and other drivers? Yes.
- Usage-based insurance? Yes, RealDrive, with rates based on mileage.
- SR-22 filings? Yes.
Website & app
We asked Mercury's customers if they had used the company's website or app and, if they had, asked if they were satisfied with the experience.
Complaints against Mercury Insurance
Complaints against Mercury about auto insurance are lower than the industry median.
Each state's insurance department handles complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and produces a complaint ratio. The number is meant to show the number of complaints relative to a company's size of business.
Mercury car insurance discounts
Here are some of the Mercury auto insurance discounts offered, based on our review of state insurance filings made by Mercury. Discounts details may change among states, and may not be available in all states or from every Mercury subsidiary.
Good driver discount
Three years accident-free and violation-free discount
Five-years accident-free discount
Good payer discount
If you had no late fees or insufficient fund fees in the last 35 months.
Good student discount
For single, full-time drivers with a B average or 3.0 GPA or better.
Mature driver discount
For customers age 55 and older who take an approved driver-improvement course and don't have an accident or violation afterward.
For customers who are scientists, engineers, educators, certified public accountants and others.
Minor child discount
For children under age 19 and policies already in force for at least 24 months.
Distant student discount
For single, full-time students under age 23 who live more than 100 miles from home without a car).
Not given for nagging, but rather for current customers who renew after a year or more.
Continuous insurance discount
Prior insurance coverage
If you had past coverage at a certain level.
Prior carrier type discount
A discount depending on who your past insurer was.
Mobile home discount
Payment plan discount
If you sign all applicable documents electronically.
Paid in full discount
If you pay the whole bill for a new policy or at renewal time.
Annual two-pay discount
If you pay in only two installments.
Advance quote discount
If you got a quote five to 90 days before the policy started.
Automatic payment discount
For using electronic funds transfer for an auto-pay bill plan.
Companies within Mercury General Corp.
Many insurance companies have several subsidiaries. These subsidiaries may not operate in all states and could focus on different types of customers or business. Mercury's subsidiaries include:
- Mercury Casualty Co.
- Mercury Insurance Co.
- California Automobile Insurance Co.
- American Mercury Insurance Co.
- Mercury Insurance Co. of FL
- Mercury Indemnity Co. of America
- Mercury Insurance Co. of IL
- Workmen's Auto Insurance Co.
- California General Underwriters Insurance Co.
- Mercury Insurance Co. of GA
- Mercury National Insurance Co.
- Mercury Indemnity Co. of GA
- American Mercury Lloyds Insurance Co.
- Mercury County Mutual Insurance Co.
Source: S&P Global Market Intelligence
Mercury Insurance contact information
4484 Wilshire Boulevard
Los Angeles, CA 90010
Customer service and claims: (800) 503-3724
For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of Mercury Insurance in January 2019. The survey was not open to the public on EverQuote.com.
For premium comparisons, we analyzed premiums reported by EverQuote users from Jan. 1, 2017, to Dec. 31, 2018. Users had liability limits of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist limits of 100/300 ($100,000 per person, $300,000 per accident). Rates are for a single driver with one vehicle and no accidents or violations. Your own rates will be different.
Updated March 11, 2019