Mercury Insurance Review

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Mercury sells primarily auto insurance, with most of its business (84.3%) in California, according to S&P Global Market Intelligence. Mercury's next largest states for business are Florida, Texas and Georgia.

Mercury Insurance ratings for auto insurance

Overall ratingPrice satisfaction Customer service satisfaction
3.5 stars 4.5 stars 4 stars

Would you choose Mercury again for auto insurance?

Yes Maybe No
97% 3% 1%
Numbers might not total 100% due to rounding

See rankings: Best car insurance companies

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
American Family $115
Travelers $123
State Farm Mutual $126
Farmers $131
Mercury $132
Nationwide $135
USAA $135
Allstate $136
GEICO $136
Liberty Mutual $144
Progressive $149
Source: Premiums reported by EverQuote users, based on policies with bodily injury liability coverage of 100/300. Rates are based on single vehicles with one driver who has a good driving record with no violations. Premiums for sedans, coupes and hatchbacks were averaged. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Mercury Insurance options

Here's a look at whether Mercury Insurance offers certain auto insurance options.

SR-22 filings

Proof of financial responsibility.

Yes
Gap insurance
Also called auto loan/lease coverage. This can pay the difference between the value of a totaled or stolen car and what's still owed on a car loan or lease.
Yes
Usage-based insurance
Insurance with rates based on driving habits, such as hard braking.
Yes, RealDrive, based on miles driven
Non-owner insurance

Liability insurance for people who don't own vehicles.

Yes
Rideshare insurance

Extra coverage for Uber drivers and others.

Yes
Source: EverQuote research. Product options might not be available in all states.

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.

Group discounts
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).

Persistency discount
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.

Homeowner discount

Mobile home discount


Anti-theft discount

Electric-vehicle discount


Multi-car discount

Multi-policy discount

Payment plan discount

eSignature 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.

Consumer complaints against Mercury Insurance

Every 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. The industry median ratio is 1.00 and lower numbers are better.

Mercury Insurance complaints

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 coverage options

Mercury Insurance contact information

Headquarters:
4484 Wilshire Boulevard
Los Angeles, CA 90010
website
Customer service and claims: (800) 503-3724

Methodology for ratings

For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of Mercury in March 2018. The survey was not open to the public on EverQuote.com.

Updated Nov. 5, 2018

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