Mercury Insurance Review

Mercury Insurance
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Mercury Insurance Summary

Mercury Insurance Group is a property and casualty insurance company headquartered in Los Angeles, California. Started in 1961, the company only served the state of California until 1990, when they began selling policies in additional areas. California has remained their largest customer base. They currently employ over 5,000 people and provide services in 13 states: Arizona, California, Florida, Georgia, Illinois, Michigan, Nevada, New Jersey, New York, Oklahoma, Pennsylvania, Texas, and Virginia. Their primary business is auto insurance, but they also offer coverage for homes and businesses.

Mercury has historically been a company that provides coverage for above-average risk drivers, which means their underwriting guidelines are fairly tight. Those with good driving records can often find decent rates and coverage, while people with less-than-optimal histories may see a higher-than-average rate.

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Insurance Products

Auto Insurance

Mercury writes a lot of auto policies (especially in California) because they target a very specific niche and offer them below-average rates. Their car insurance policies offer a basic set of coverage as required by most states. This includes liability coverage and property damage. In addition to the basics, customers can purchase comprehensive to protect their car from theft and damage from the elements; collision coverage to pay for damage if they are found at-fault; personal injury protection or medical payments to help with health care costs; uninsured and underinsured protection in case they are hit by someone without adequate coverage themselves. Customers can also purchase additional features like rental car coverage and roadside assistance, if they do not have that through another means (like AAA).

Home Insurance

In addition to car insurance, Mercury offers a variety of home protection products. These include homeowner’s insurance, condo insurance and renters insurance. Each of these products comes with a variety of different options to protect just about any size or type of home. In addition to dwelling protection, most home insurance products come with some sort of personal property protection. This means items you own, like computers, clothes, furniture, etc. can be covered by your home insurance policy. The coverage amount for this can vary, and in most of Mercury’s policies it can be adjusted to reflect the actual value of your personal property.

Umbrella Insurance

For those that carry their auto and home insurance policies with Mercury, you have the option of adding an umbrella policy to increase your overall liability protection. To qualify for an umbrella policy, you typically have to carry certain liability limits on both home insurance and car insurance, and these limits are usually in the 100’s of thousands and can vary by state. Umbrella insurance acts as an extension to these policies, and kicks in once the underlying insurance coverage has been exhausted. Sold in multiples of $1 million, Mercury’s umbrella insurance policies are quite affordable and recommended for anyone that has sizable assets to protect or may be a target for lawsuits given their lifestyle or occupation.

Business Insurance

Business owners looking for basic insurance coverage may want to check out Mercury and get a quote from a business insurance agent. They offer business owners policies (BOPs), commercial property, commercial liability, and commercial auto insurance.

Mercury Insurance Price (Rates)

Quote Test Results
– 26.3%
Rate Test Details

Our standard auto insurance quote test revealed that Mercury’s rate was 26.3% below the average for all tests we have done so far. This is consistent with our test performed on Mercury over a year ago, which showed them as one of the most affordable insurance companies back then as well. Our tests are performed using a good driver with no accidents or tickets, and that seems to be where Mercury excels. If you have accidents or tickets on your record, it is highly advisable to test a few companies with personalized quotes, as the premium may vary quite a bit.


The methods available to file a claim with Mercury are limited compared to some of the larger insurance companies. After an accident or loss, to file a claim a customer must call their claims hotline at 800-503-3724. Once a claim has been filed, a representative will be assigned and they will be the point of contact for the duration of the process.

As part of Mercury’s coverage, they offer what is called the CARS program for auto repair. CARS is a network of pre-approved repair facilities that they claim meet a specific set of standards in order to qualify for the program. If a customer chooses to have their car repaired at one of their CARS approved facilities, Mercury will guarantee the repairs for as long as they own the vehicle.

Many insurance companies offer similar “in-network” repair shops and they will usually be reputable outfits. Insurance companies send a lot of business to these repair facilities so they cannot afford to do bad work. But that should not deter someone from taking their car to a mechanic or repair shop that they trust. Insurance companies like to push customers towards these preapproved shops because they often have worked out deals with them for lower repair costs, since they get a bulk discount with all the business they send.

Consumer Research and Complaints

Major research outlets Consumer Reports and JD Power have included Mercury in numerous auto insurance satisfaction studies, and besides one, they did not fare very well. The best score we found came in a 2010 study by Consumer Reports which gave an overall auto insurer rating based on claims, payments and non-claims-related problems. In this study, Mercury was given an 86 out of 100 by the readers polled, meaning on average they were very satisfied with the company.

The three JD Power surveys we reviewed were not as kind to Mercury. In 2011, a Customer Satisfaction Index Ranking was performed, and Mercury scored an 806 out 1000, putting them at the very bottom of the list of 22 insurance companies. In 2012, JD Power’s Auto Claim Satisfaction Survey awarded Mercury 2 out of 5, putting them below average. Similar results were achieved in a 2013 study focusing on the purchase experience of a policy. They received 2 out of 5 again, another below average score.

The Better Business Bureau is updating their California records at the time of this review, so we are unable to retrieve current statistics. According to the last time we reviewed Mercury, they had a C- rating, and had 77 complaints filed against them in the previous three years.

Financial Strength

Rating Company Grade Financial Outlook
AM Best A+ Stable
Fitch A N/A

Bottom Line

Mercury provides low-cost auto insurance policies for good drivers, especially in California. They have a strong financial rating and offer discounts for individuals who purchase both auto and home insurance through them. Their weakness comes from their customer satisfaction results, as seen in surveys performed by both JD Power and Consumer Reports. We were unable to get an updated Better Business Bureau rating, but their previous grade of C- is very low, even by insurance industry standards.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Mercury Insurance Group
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  1. Lynda Winn says

    My Mercury experience has been a nightmare from day one Dec.10,2016. My daughters car was set on fire in our front yard and my car was 14 inches from hers (It was a total loss fully engulfed in flames)mine has $5,000 dollars worth of repairs to passenger side. Mercury just cut check for lein holder Jan.5. Chevrolet would not negotiate a new car deal until payoff to GM Financial is received and posted. have had rental which has only been extended to Sat.1/7. policy states 30 days rental, or 5 days since payoff received by leinholder or vehicle replaced. Non of these criteria have been met. I pay premiums they write policy. I should get extension of rental, to get a replacement car. Delays due to 2 holidays and day after holidays Mercury closed. My total claim person refuses to extend rental. And him being in Calif. me in Florida I can’t even try a call til 11:00am.

  2. Bill says

    Do not let your insurance agent try sell you an auto policy with Mercury Insurance. I did, and it’s been the worst experience with insurance I have ever had. I’m a 54 year old male. I have had auto insurance since 1979. I have had no claims of any kind in over 5 years. I have a credit rating over 800. I filled out their application. It asked if I have had insurance for the past 4 years. I answered yes. I had insurance with another company for the past 2 years and prior to that for 2 years I was covered under my company’s insurance policy. Prior to that, I was covered by my company’s insurance and I had a policy that covered me and my family for personal cars.

    Mercury had 3 weeks to review my application. No mention of any issues. The charge was $590 for six months – I carry a lot of insurance for personal reasons. I paid in full. Five to six weeks after my policy went into effect I was sent another invoice for $510. My insurance agent then said that according to Mercury I did not have 4 years of consecutive prior insurance with the same company I lost that discount so my policy increased over 86%! I sent proof of insurance but nothing.

    After I cancelled my insurance with them I was sent a bill for $285, essentially bringing my total cost for a 3 month period to $875! Criminal. I have filed a claim with my states insurance commissioner. STAY AWAY FROM MERCURY INSURANCE!!!!

  3. Marene Mayer says

    I have been with Mercury for 3 yrs. Thought I got good rates compared to previous who doubled my rate when I turned 63 yrs. old – No Previous Tickets or Accidents / Claims in all my years of driving. Now Mercury jacked my rate another $60.00 this year – still no accidents/ tickets……maybe cause I turned 66 ???? I only drive Max. 9,000 a year – but they say that is 1,000 over the min. It used to be 12,000 – now lowered to 8,000 miles. I will look further now ——-I really feel it is age discrimination.

  4. M says

    I’ve never felt so betrayed by a company until now. The last few months we’ve had some issues and we thought Mercury was good for us. Well we learned the hard way they aren’t good for us. They charge us more then we’ve paid else were and its not fair. We have a lot of bills to pay and each time I get the bill for this I cry, it’s to much money to pay for a used car. I’ve started looking else were for insurance, I am done with a company that treats customers wrong. And doesn’t work with families going through hard times instead they send them to collections to get even more money out of them.

    • Denna Johnson says

      Mercury Insurance is the absolute worst piece of [Redacted] insurance agency I have ever dealt with! My car was broken into, personal items were taken and they can’t help me! WHAT am I paying full coverage insurance for! My car should be covered inside out, PERIOD no questions asked! State Farm is by far the BEST when it comes to a lost. My so called agent ]Redacted] is the worst. Not only did she not give me a call until a day later after my horrible experience, she doesn’t even know how to deliver bad news properly. No empathy or sympathy at all in her tone. If you are with Mercury, I suggest you find a more reliable company that will care about you and your loss.

    • Tom says

      You may be good through hard times but any other company would do the same thing, it’s a business. They don’t want excuses.

  5. Renee Wallace says

    A man insured by Mercury rear ended me at 35 miles per hour and the police found him at fault. Mercury has offered me a settlement of $2,100 even though my medical bills are $10,000 to date and I will have more bills going forward. They have offered me nothing for my lost wages and lost marketing to my customers (I am self employed.) They have tried every trick in the book to avoid paying my claim- falsely claiming non-receipt of medical records, falsely claiming I signed no medical release (I signed five) and refusing to pay the claim at all because the first doctor I saw was a total incompetent. (Quite frankly, I think the employer of the incompetent doctor and Mercury are colluding against claimants.) I had great difficulty in finding an attorney to take the case because Mercury abuses the attorneys and blatantly low balls on claims. I would not recommend them to my worst enemy.

    Are these other positive posting Mercury employees posing as consumers?

  6. Nancy M De Santis says

    The pipe behind the shower head had a totally unseen problem …..Mercury is denying coverage in this claim!!!!I have had this policy over 12 years….Mercury sucks!!!!!I don’t recommend it to nobody!!!

  7. Albert M says

    Roughly about 2-3yrs ago i was in an auto accident with a elderly woman.
    The lady had failed to turn her head and give me the right of way while merging into my lane.
    Her carrier was Mercury Ins.
    I was pleasantly surprised at how smoothly Mercury handled the claim for me.
    It is true they prefer you do work with their preferred providers… but I was given options… not just one place. they also paid for the rental car while my car was in the shop.
    The auto body shop told me they also liked dealing with Mercury so they treated me well also.
    I was so impressed with this experience that i actually wanted to switch…if they could have offered a better rate.
    Well, I have been with my carrier for 10+ years and my provider did, in fact, offer me the best rate possible.
    I am not a Mercury policyholder… so it may be a different experience.
    I just wanted to share my positive experience.

    • Kristi says

      Just wanted to say I really like Mercury too I’ve had a lot of good luck with being able to have great Road service and they seem pretty good about dealing with my claims I hope that they’re just as good here coming up I just had a major issue with Meinicke and I’m hoping that Mercury takes care of it for me in the best way possible……

  8. Bob Gary says

    I’ve had auto insurance with Mercury for almost 15 years. Last year, when I totaled my van, they were more than fair with their settlement, which arrived immediately with no hassle. I see many negative comments, but in my experience, they’ve been an excellent company.

  9. Joseph Enright says


    • Eric Stauffer says

      Hello Joseph,

      Your best bet would be to file a complaint directly with Mercury if the agent is acting outside of their authority. The other thing you can do is leave an honest review on websites like Yelp. This will alert others to your experience, and often gets the attention of the agent.

      You can also file a complaint directly with your state’s insurance commissioner.

      Eric Stauffer

    • Thomas Kermes says

      Write a detailed letter to your State Insurance Commissioner and send a copy to Mercury. The Commissioners office has to power to stop an Insurance company from being able to sell insurance in your state. This usually gets quick action from the insurance company.

  10. Laura says

    As soon as I am done with Mercury regarding a flood issue I have ongoing with them – i will for sure be switiching!

  11. Anthony Egan says

    The first thing I do tomorrow is look for another company to insure I don’t have to deal with Mercury!

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