Insurance » Auto Insurance Reviews » Mercury Auto Insurance Review 2021
Advertiser Disclosure

This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

Mercury Auto Insurance Review 2021

Mercury Auto Insurance discounts and customer service might not be as attractive as you would expect, but the low-priced quotes to cover your vehicles would be hard to beat.

We may receive compensation from companies that appear on this page. This may impact how and where products appear on a page (including, for example, the order in which they appear). It doesn’t affect our unbiased editors’ opinions. our opinions are our own.

Mercury Auto Insurance Review

Mercury insurance offers auto insurance, home insurance, business insurance, renters insurance, and umbrella insurance packages. Mercury is mostly known for its auto insurance services. Though its primary customer base is in California, it also renders some of its additional insurance services in 10 other states in the US. Asides the Golden State, you can take advantage of Mercury's competitive auto insurance rates if you are in Arizona, New York, Nevada, Texas, Illinois, Georgia, New Jersey, Oklahoma, Florida, or Virginia. 

The company is basic at best in terms of coverage options. You can expect to get products such as liability protection, collision protection, comprehensive coverage, medical payments coverage, personal injury protection (PIP), uninsured/underinsured motorist coverage, and rental car coverage. 

The additional coverages offered by Mercury auto insurance are roadside assistance and Ride-Hailing Insurance. These products are sold through Mercury's independent agents located in the different states that the company operates.

mercury-insurance logo
mercury-insurance logo
Get My Offer

On Mercury Secure Website

Better Business Bureau

A+

NAIC Complaint Index

None

PROS

CONS

Basic Coverage

Mercury offers the following products as an auto insurer: 

  • Liability Protection: Pays for damages against others if you're at fault in an accident and attorney fees if sued.
  • Collision Protection: Pays for damages to your car in an accident, regardless of who is at fault.
  • Comprehensive Coverage: This is a more holistic policy that covers your vehicle.
  • Personal Injury Protection: Covers medical bills and other costs after an accident regardless of who caused the accident.
  • Uninsured and Underinsured Motorists Coverage: This is for accidents caused by underinsured or uninsured motorists. It covers any bodily injuries on you, your drivers, and passengers in your insured car.
  • Rental Car: Pays for car rental services if your insured car is involved in a covered loss.

Extras

Mercury doesn't have as many extras as you might expect for car coverage. Here are the additional coverages you can include in an existing policy with the company. 

  • Medical Payment Coverage: You can add this to an active coverage to help pay for any medical fees arising from a covered loss.
  • Roadside Assistance: With this 24/7 coverage, Mercury will send a roadside service professional to help fix your car in the event of a breakdown.
  • Ride-Hailing Insurance: This is for Uber, Lyft, and other ride-hailing services' drivers, and it covers you and your car while your ride-hailing app is on, but you haven't got any passengers.

How to Get a Quote

step 1: Visit the homepage of Mercury Insurance, where you can get an auto insurance quote right on the banner. Type in your zip code and click on the “Get a Quote” tab. 

Mercury Car Insurance - How to get a quote 1

step 2: The next page that comes up will require you to enter some personal details. Fill the form, and when you're done, click on “Save and Continue”.

Mercury Car Insurance - How to get a quote 2

step 3: Next, you will be required to fill in the Year, Make, Model, and Body Style of your car. You can choose that option or enter your Vehicle Identification Number (VIN). When you're done, click on “Add Vehicle”. You might need to enter some other information here, fill them as appropriate. 

Mercury Car Insurance - How to get a quote 3

step 4: After that, you will need to fill in the Driver details. This could be you and any other driver(s). Fill up the form and continue to the next page. 

Mercury Car Insurance - How to get a quote 4

step 5: This new page is where you will fill in details about your desired insurance policy. Enter all the necessary information here and click on “Get Quote”. 

Mercury Car Insurance - How to get a quote 5

step 6: Your quote will appear on the screen, and you can click on “Continue to buy” if you like the price. 

Mercury Car Insurance - How to get a quote 6

step 7: You can also call Mercury Insurance directly on (866) 618-3289 to get a quote

How to File a Claim

In the event of a car collision, you will need to call the company on its Claims Hotline at (800) 503-3724. This is the only possible way to start filing a claim. When you call the insurer, the claims team will kick off the claims process and explain any necessary steps. To make your claims as fast as possible, you will need the following information to file your claim:

  • Accident information
  • Auto Information of the involved vehicles.
  • Personal information of all involved persons
  • Witness/pedestrian information

Mercury Car Insurance - How to file a claim 1

Visit the mercury insurance claims page for in-depth requirements per the information required.

Here are some advantages  and disadvantages of Mercury car insurance: 

Benefits

The policy rates are very low compared to other competing providers. The quotes you will get when you want to sign up for an auto policy from Mercury are much lower than other insurance providers in the industry. In fact, according to research, young drivers especially can save about $340 annually if they are covered by Mercury versus if they are insured by the likes of Safeco, State Farm, and Farmers.

Mercury offers its clients a mobile ID card.

The company has local offices and agents that you have access to. As long as you are in any state that Mercury is located, you can get access to its network of local, independent agents in those territories.

The company allows you to register over the internet or via phone call.

Drawbacks

The rental car benefit is only active for a limited amount of time. The company will pay for car rental services if your insured vehicle is undergoing repairs as a result of a covered accident but don't expect it to last as long as the repairs will take.

Customer reviews are abysmal. Many reviews online made by customers of the company seem to be negative and reveal a high level of customer dissatisfaction.

The company has a mobile app which is only available on the Google Play Store. A large number of reviews on the app tend towards dissatisfaction.

Repairs on damaged vehicles can take a very long time.

Mercury is not at its best in terms of customer support.

The coverage options are not as much as you'd expect. When compared to other auto insurance providers, Mercury doesn't offer as many options for customers.

It is not available all over the country. The auto insurer is only available in 11 states in the US.

Customer Satisfaction Ratings, Financial strength

    • A+ on BBB: BBB assigns ratings from A+ (highest) to F (lowest). BB ratings are based on information in BBB files with respect to factors such as business's complaint history with BBB, type of business, time in business, transparent business practices and more.
    • A- on A.M Best: AM Best uses its rating system to judge the strength of a company’s financial holdings and assets.

Mercury was ranked less than average in the Auto Insurance Claims Satisfaction Study of JD Power for 2019. 

According to the National Association of Insurance Commissioners (NAIC), Mercury had almost the expected amount of complaints for an auto insurance company.

According to the Better Business Bureau, there have been about 133 customer complaints in the past three years, and the customer reviews rating stands at two stars out of 5. However, the BBB rating for the company is A+. 

Overall, the customer satisfaction for Mercury Auto Insurance is below average. The customer support team is quite difficult to reach. In terms of receiving claims, don't expect it to be a breeze as there are many complaints indicating difficulty in claims payouts. The majority of satisfactory reviews are about cost-friendly prices.

The 2020 Financial Strength Rating of Mercury Auto Insurance stands at an A- according to AM Best. The Mercury General Corporation, a publicly-traded company (and parent of Mercury Auto Insurance), has over $4.5 billion in total assets. 

Auto Insurance Discounts

Just like its coverages, Mercury doesn't provide so many discounts. The state you reside in will determine if you're eligible to receive these money savers. The discounts offered are similar to what other insurance providers make available for their customers. Here are Mercury's auto insurance discounts and how you can claim them.

  Discount How do you receive it?
  Multi-carBundle many cars on a single insurance policy.
Anti-theftInstall a standard anti-theft device in your vehicle.
  HomeownerJust own your home whether or not it is covered by Mercury.
  E-signatureBuy a policy online and digitally sign your agreement.
  Multi-policyPurchase two or more Mercury insurance policies.

  Good student

If you have a student covered by Mercury, who maintains a specific grade level.

  RealDrive

Sign up and receive a 5% discount or keep driving and receive extra savings based on mileage.
  Pay in FullPay for your insurance policy at once.

Mercury FAQs

Mercury Insurance is based in California and offers insurance in just 11 states. In addition to California, it also operates in Arizona, Florida, Illinois, Georgia, New Jersey, Nevada, New York, Virginia, Texas and Oklahoma. This insurer is working to expand its availability network. However, Mercury may not offer the same discounts and services in all those states.

Mercury is a basic auto insurer offering basic coverage options with some optional coverage add ons such as roadside assistance. You can also use the Mercury mobile app to access your policy details and easily pay your premiums. So, if you’re looking for a no frills car insurance policy with some nice extras,  Mercury could be a good place for you.

While Mercury Auto has a limited coverage area, Nationwide operates in 46 states. This makes Nationwide more accessible. Additionally, Nationwide has an excellent reputation for dealing with claims promptly. This insurer offers a variety of policy options and add ons, allowing you to create tailored coverage.

However, Mercury Auto is a budget insurer. So, if you are more concerned with getting the cheapest coverage, with a bare bones policy and you’re in a Mercury Auto covered state, you may find it more appealing.

While Mercury Auto specializes in bare bones, low cost insurance, USAA has a different purpose. Its primary aim is to offer a variety of insurance products to military personnel, veterans and their family members.

So, which option is better will depend on your needs and preferences. If you’re serving in the military or a veteran and need tailored coverage with some nice features, USAA is likely to be the better choice. However, if you are in the market for basic car insurance coverage at a low cost, stick with Mercury Auto.

So, although Liberty Mutual may not be the cheaper option, it certainly offers far more coverage options, so you can find a policy that meets your specific requirements.

While Liberty Mutual offers coverage across all 50 states, Mercury Auto only operates in 11 states. Additionally, Mercury Auto specializes in offering basic coverage, which can be limited for most drivers. This is where Liberty Mutual has the edge over Mercury Auto. This insurer has far more policy options, add ons and innovative features.

So, although Liberty Mutual may not be the cheaper option, it certainly offers far more coverage options, so you can find a policy that meets your specific requirements.

Alternatives

Here are our 2 choices of car insurance companies which can use as a great alternative to Mercury:  

Allstate's customer convenience drive, discounts, and a wide range of coverages are probably responsible for its popularity among Americans. Allstate is also famous for its personalized support, and it even offers a customer satisfaction guarantee in terms of its claims process.

You should note, however, that the rates offered by Allstate are somewhat more expensive than the provisions of other top insurers. As long as you meet the requirements to partake of the discounts offered by the company, you will enjoy a more balanced rate with Allstate.

If you're a driver with a clean record, Allstate will treat you with fairly decent rates

Low prices are one of the things that made Progressive so popular among Americans that the company even encourages you to compare its rates with other insurance providers right on its website with a price comparison tool.

You will find the company provides standard car coverage options other insurers offer (like liability, personal injury protection, medical payments, etc.) and perks (like accident forgiveness, deductible reduction, etc.) when Progressive covers you. Of course, Progressive offers other insurance products like home, life, and renters through third party companies.   

Car Insurance Companies Review – Methodology

Our expert review team gathers data from many auto insurance providers in order to create rankings of the top insurers. Each company receives a score from each category, along with a overall weighted score of 5.0 stars.

Financial Stability: The highest score in this category goes to insurers with high financial ratings and customer-first practices. Although insurance marketplaces do not have financial strength ratings they can still be useful tools for drivers who are looking for premiums at competitive rates. If you are looking for an insurer that doesn’t underwrite your policies, be sure to check the rating of the partner company.

Coverage: The rating is based upon the types of insurance that are available, their maximum coverage limits and any add-on policies. We also consider exclusions that are applicable to certain drivers.

Cost and Discounts: We review auto insurance rates estimates for many drivers across every state. The best scores are awarded to companies that offer lower rates and have many discount options for car insurance. You can lower your insurance premium by qualifying for any driver discounts. Car insurance companies often offer discounts up to 25%-35% for eligible policyholders. 

The discount percentages offered vary depending on where you live and some companies restrict the amount of discounts that can be applied to your premium. We looked at the discounts offered in the various companies that we reviewed. Many allow you to combine different insurance policies to save on premiums. There are many savings options for drivers shopping for car insurance. These include discounts based on the type of car, profession, driving record, and other factors. Companies that offer a variety of options could lead to a lower premium for drivers were favored by us.

Customer Service: We review customer feedback and reviews from J.D. Power. Data such as market share, complaints to the National Association of Insurance Commissioners for private passenger car insurance (2020) and overall ratio of those complaints to the industry average. 

We took into account parameters such as companies mobile apps, advanced online services, and telematics make it easier for auto insurers to respond to consumer needs. Many providers offer support via phone, email and agents. Some even offer live chat and 24/7 support via phone, email, or mobile app, while some provide social media responsiveness during weekends and after-hours hours.