Mercury Insurance Review & Ratings (2024)

Unlock the power of Mercury Insurance: Explore extensive coverage, exceptional customer satisfaction, and unwavering financial stability. Compare rates from top-tier providers to make an informed decision and safeguard what matters most to you. Choose Mercury for peace of mind and reliable protection.

UPDATED: Dec 9, 2023Fact Checked

Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Published Insurance Expert

Jeffrey Manola

Licensed Insurance Agent

Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...

Licensed Insurance Agent

UPDATED: Dec 9, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Dec 9, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 9, 2023Fact Checked
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Mercury Insurance

Average monthly rate for good drivers:

$77

A.M. Best rating:

A (Excellent)

Complaint level:

Low

Pros

  • Affordable Rates: Mercury Insurance is known for offering competitive and affordable rates to its customers.
  • Extensive Coverage Options: The company provides a wide range of insurance products, including auto, home, and renters insurance, allowing customers to tailor their coverage to their specific needs.
  • Positive Customer Feedback: Mercury Insurance has received generally positive reviews from customers, highlighting competitive rates, good customer service, and an easy claims process.
  • Multiple Discounts: The company offers various discounts, such as multi-policy, good driver, anti-theft, multi-car, good student, professional association, and home safety features discounts, providing opportunities for customers to save on premiums.

Cons

  • Limited Availability: Mercury Insurance is available in 11 states, which may limit access for customers in other regions.
  • High Rates for High-Risk Drivers: Some reports suggest that high-risk drivers may face higher rates with Mercury Insurance.
  • Mixed Customer Feedback: While overall customer feedback is positive, there are a few negative reviews mentioning issues with the claims process or dissatisfaction with premiums.
  • Limited Coverage Area: Mercury Insurance operates in a limited number of states, which may not be suitable for customers outside those regions.

Final Verdict: Review of Mercury Insurance

Mercury Insurance is a car insurance company that offers a variety of auto and homeowners insurance products and services to customers in 11 states across the United States. The company was founded in 1961 and has a mission to provide high-quality insurance coverage at an affordable price.

Mercury Insurance offers a range of coverage options and discounts to help customers save money on their premiums, including multi-policy, good driver, anti-theft, multi-car, good student, professional association, and home safety features discounts. The company has received generally positive reviews from customers for its competitive rates, good customer service, and easy claims process.

While there are some potential drawbacks to consider, such as limited availability and higher rates for high-risk drivers, Mercury Insurance may be a good option for those looking for affordable, customizable insurance coverage. It’s always a good idea to compare quotes from multiple insurance providers to find the best coverage and rates for your individual needs.

What You Should Know About Mercury Insurance Group

Welcome to our comprehensive guide on Mercury Insurance, where we delve into the various aspects of this reputable insurance provider. We will discuss Mercury Insurance’s coverage options, outstanding customer satisfaction, and unwavering financial stability. We’ll also explore related topics such as insurance providers and factors that influence insurance rates.

Whether you’re considering Mercury Insurance for the first time or looking to switch to a better policy, we have you covered. To ensure you find the most competitive rates from the best insurance providers in your area, simply enter your zip code below and let us help you compare quotes. Take the first step towards securing reliable and affordable coverage for your needs.

Mercury Insurance History and Mission

Mercury Insurance was founded in 1961 by George Joseph, with the mission of providing affordable and reliable insurance coverage to customers. The company started as a small, local insurance provider in California but quickly grew to become one of the largest independent insurance companies in the US.

Over the years, Mercury Insurance has remained committed to its mission of providing affordable coverage options while also offering exceptional customer service.

In recent years, Mercury Insurance has expanded its product offerings beyond auto insurance, offering homeowners insurance, renters insurance, and more. Despite its growth and expansion, the company remains dedicated to its original mission and continues to be a popular choice for drivers and homeowners looking for affordable and reliable insurance coverage.

Mercury Insurance Group Insurance Coverage Options

Mercury Insurance offers a wide range of insurance products and services to meet the needs of its customers. The company’s primary focus is on auto insurance, but it also offers homeowners insurance, renters insurance, and condo insurance. Here’s a closer look at each of the products and services that Mercury Insurance offers:

    • Auto insurance: Mercury Insurance offers a range of auto insurance coverage options to meet the needs of drivers. Their coverage options include liability insurance, collision insurance, comprehensive insurance, personal injury protection, uninsured/underinsured motorist coverage, and roadside assistance.
    • Homeowners insurance: Mercury Insurance offers homeowners insurance coverage, protecting damage to your home and personal property. The company offers a range of coverage options to meet the needs of homeowners, including coverage for dwelling, personal property, liability, additional living expenses, and more.
    • Renters insurance: If you’re renting a home or apartment, Mercury Insurance offers renters insurance to protect your personal property and provide liability coverage. The company’s renters insurance policies provide coverage for personal property, liability, loss of use, medical payments to others, and more.
    • Condo insurance: Mercury Insurance offers insurance coverage for condominium owners, protecting your unit and personal property. The company’s condo insurance policies provide coverage for dwelling, personal property, liability, loss of use, and more.
    • Business insurance: Mercury Insurance also offers business insurance products and services, including commercial auto insurance, general liability insurance, workers’ compensation insurance, and more. These products are designed to meet the needs of small business owners.

    Areas Where Mercury Insurance is Available

    Mercury Insurance is available in 11 states across the US, including Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia. The company has a strong presence in California, where it was founded, and has since expanded into other states.

    Mercury Insurance has over 8,000 independent agents across these states, providing customers with access to personalized service and support. Mercury Insurance is particularly popular in California, where it has been ranked as one of the top auto insurance companies by J.D. Power for customer satisfaction.

    The company has also received high ratings for customer satisfaction in other states where it operates. Despite its limited geographic reach, Mercury Insurance is a popular choice for drivers and homeowners in the states where it is available due to its affordable rates, wide range of coverage options, and exceptional customer service.

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    Mercury Insurance Group Insurance Rates Breakdown

    The cost of Mercury Insurance can vary depending on several factors, including the type and amount of coverage you need, your driving history, the make and model of your vehicle, your age and gender, and your location. However, Mercury Insurance is known for offering competitive rates to its customers, particularly in the states where it has a strong presence.

    To get an idea of what you can expect to pay for Mercury Insurance, we can look at some sample rates for a few different coverage scenarios:

      • Liability-only coverage: For a 30-year-old male driver with a clean driving record: $481 per year in California, $378 per year in Arizona, and $405 per year in Texas.
      • Full coverage (collision, comprehensive, liability): For a 35-year-old female driver with a clean driving record, driving a 2018 Honda Civic: $1,305 per year in California, $1,200 per year in Arizona, and $1,225 per year in Texas.
      • Homeowners insurance coverage: for a 40-year-old homeowner with a $300,000 dwelling coverage limit, $100,000 personal property coverage, and $300,000 liability coverage: $1,050 per year in California, $800 per year in Arizona, and $1,300 per year in Texas.

      Keep in mind that these are just sample rates and your actual cost for Mercury Insurance will depend on your circumstances.

      Mercury Insurance Group Discounts Available

      Mercury Insurance offers several discounts to its customers to help them save money on their insurance premiums. Here’s a look at some of the most common discounts available:

        • Multi-policy discount: If you have multiple policies with Mercury Insurance, such as auto and homeowners insurance, you can save money on your premiums.
        • Good driver discount: If you have a clean driving record with no accidents or traffic violations, you may qualify for a good driver discount.
        • Anti-theft discount: If your vehicle has an anti-theft device installed, you may be eligible for a discount on your auto insurance premiums.
        • Multi-car discount: If you have more than one vehicle insured with Mercury Insurance, you can receive a discount on your premiums.
        • Good student discount: If you or your child is a full-time student with good grades, you may be eligible for a discount on your auto insurance premiums.
        • Professional association discount: If you belong to a professional organization or association, you may be eligible for a discount on your auto or homeowners insurance.
        • Home safety features discount: If your home has certain safety features installed, such as smoke detectors or a security system, you may be eligible for a discount on your homeowner’s insurance premiums.

        Effortless Claim Process With Mercury Insurance – Your Hassle-Free Solution

        Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

        Mercury Insurance prioritizes customer convenience when it comes to filing insurance claims. They offer multiple channels for filing claims, ensuring flexibility for policyholders. Whether you prefer the convenience of an online platform, the personal touch of a phone call, or the ease of mobile apps, Mercury has you covered.

        Their online claims portal simplifies the process, allowing you to submit and track claims from the comfort of your home. Alternatively, if you prefer direct communication, their customer support team is just a phone call away, ready to assist you in initiating your claim. Moreover, Mercury Insurance provides mobile apps with user-friendly interfaces, giving you the ability to file claims and manage your policy on the go.

        Average Claim Processing Time

        One crucial aspect of an insurance provider is the speed at which claims are processed. Mercury Insurance understands the importance of quick claim resolution. While the exact processing time may vary depending on the nature and complexity of the claim, Mercury strives to process claims efficiently.

        They aim to minimize disruptions in your life by swiftly evaluating and settling claims, ensuring you can get back to normalcy as soon as possible.

        Customer Feedback on Claim Resolutions and Payouts

        Customer feedback plays a vital role in assessing an insurance company’s performance. Mercury Insurance has received commendation from policyholders for its claim resolution and payout process. Many customers have reported quick and hassle-free experiences when it comes to receiving payouts for their claims.

        This positive feedback underscores Mercury’s commitment to delivering on its promise of providing reliable coverage and support during challenging times.

        Explore Mercury Insurance Services’ Innovative Digital and Technological Features

        Mobile App Features and Functionality

        Mercury Insurance recognizes the growing importance of digital tools in insurance management. Their mobile app is a testament to their commitment to technological innovation. The app offers a range of features and functionalities designed to make your insurance experience seamless.

        From accessing policy documents to making premium payments and even filing claims, Mercury’s mobile app empowers you to handle your insurance needs with ease, all from the convenience of your smartphone.

        Online Account Management Capabilities

        Managing your insurance policy should be straightforward, and Mercury Insurance has invested in online account management capabilities to ensure just that. With their user-friendly online platform, policyholders can efficiently manage their policies, review coverage details, update information, and even request policy changes.

        This digital convenience allows for greater control and accessibility, putting essential insurance information at your fingertips.

        Digital Tools and Resources

        Staying informed about your insurance coverage is crucial, and Mercury Insurance provides a suite of digital tools and resources to support their policyholders. These tools may include educational resources, insurance calculators, and informative articles to help you make informed decisions about your coverage.

        By offering these digital resources, Mercury Insurance aims to empower its customers with the knowledge needed to navigate the complex world of insurance effectively.

        How Mercury Insurance Group Ranks Among Providers

        In the highly competitive insurance industry, Mercury Insurance faces several formidable competitors, each vying for a share of the market. Let’s delve into the main rivals of Mercury Insurance, exploring their strengths, weaknesses, and key features.

        • Geico Insurance: Geico, an acronym for Government Employees Insurance Company, is one of the largest and most well-known insurance providers in the United States. Established in 1936, Geico has grown to offer a wide range of insurance products beyond auto insurance, including home, renters, and life insurance.
        • State Farm Insurance: State Farm, founded in 1922, is a mutual insurance company with a significant presence in the market. It offers a wide array of insurance products, including auto, home, life, and health insurance.
        • Allstate Insurance: Founded in 1931, Allstate is a prominent insurance provider offering various coverage options, including auto, home, and life insurance. The company is known for its innovative initiatives and broad service portfolio.
        • Progressive Insurance: Progressive, founded in 1937, is a pioneer in the insurance industry and a leader in providing auto insurance. The company is known for its use of technology and the “Snapshot” program to tailor premiums based on driving habits.

        Mercury Insurance competes in a crowded market, and understanding the strengths and weaknesses of its main competitors provides valuable insights for consumers seeking the best coverage options.

        Customer Reviews of Mercury Insurance

        Mercury Insurance has generally received positive reviews from customers across the states where it operates. Here’s an overview of what customers are saying about the company:

        Strengths:

        • Competitive rates: Many customers appreciate the affordable rates that Mercury Insurance offers compared to other insurance companies.
        • Good customer service: Customers praise the helpful and friendly customer service they receive from Mercury Insurance agents and representatives.
        • Easy claims process: Several customers have noted that the claims process with Mercury Insurance is quick and easy, with fast payouts and minimal hassle.
        • Flexible coverage options: Mercury Insurance offers a wide range of coverage options that can be customized to meet the individual needs of its customers.
        • Discounts and rewards: Mercury Insurance offers a variety of discounts and rewards to help customers save money on their premiums.

        Weaknesses:

        • Limited availability: Some customers have expressed frustration with the fact that Mercury Insurance is only available in a limited number of states.
        • Higher rates for high-risk drivers: Customers with a history of accidents or traffic violations may face higher rates with Mercury Insurance compared to other insurance companies.
        • Limited digital services: While Mercury Insurance has made improvements to its digital services in recent years, some customers have reported difficulties accessing their accounts or managing their policies online.

        Frequently Asked Questions

        Does Mercury Insurance offer auto insurance for commercial vehicles?

        Yes, Mercury Insurance offers auto insurance coverage for commercial vehicles. They provide commercial auto insurance policies that are specifically designed to protect businesses and their vehicles used for commercial purposes, such as delivery trucks, service vans, and other types of commercial vehicles. It’s best to contact Mercury Insurance directly or visit their website for more information about their commercial auto insurance coverage options.

        What is permanent life insurance?

        Permanent life insurance provides coverage for the entire life of the policyholder and includes a savings component that can accumulate cash value over time. There are different types of permanent life insurance policies, including whole life, universal life, and variable life.

        What is Mercury Insurance?

        Mercury Insurance is an insurance company that offers a variety of insurance products, including auto, home, and life insurance.

        What types of life insurance policies does Mercury Insurance offer?

        Mercury Insurance offers both term and permanent life insurance policies.

        What is term life insurance?

        Term life insurance provides coverage for a specified period of time, typically 10, 20, or 30 years. If the policyholder dies during the term, their beneficiaries receive a death benefit. If the policyholder outlives the term, the policy expires and no benefits are paid.

        How much life insurance coverage do I need?

        The amount of life insurance coverage you need depends on various factors, such as your income, debts, and family needs. A general rule of thumb is to have coverage equal to 10-12 times your annual income.

        How can I determine which life insurance policy is right for me?

        Choosing the right life insurance policy depends on your individual needs and circumstances. A licensed insurance agent can help you evaluate your options and choose a policy that meets your needs and budget.

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        Melanie Musson

        Published Insurance Expert

        Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

        Published Insurance Expert

        Jeffrey Manola

        Licensed Insurance Agent

        Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...

        Licensed Insurance Agent

        Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

        Reviews
        for Mercury Insurance Group

        3.73 (667 reviews)
        1
        December 6, 2022

        KamiBahrami

        Worse Auto Insurance Of All

        Worse and Cheapest people in nation, They do everything to NOT to pay. if you re dealing with Mercury you re dealing with "crooks". They are fraudulent company and unfortunately stay in business with fraud and scam. After over 38yars of driving with excellent driving record, I got hit hard by teenager driver insured by Mercury and stuck with over $20,000.00 bills. After nine months of nonsense excuses from Mercury ended up to hiring attorney fo...
        Worse and Cheapest people in nation, They do everything to NOT to pay. if you re dealing with Mercury you re dealing with "crooks". They are fraudulent company and unfortunately stay in business with fraud and scam. After over 38yars of driving with excellent driving record, I got hit hard by teenager driver insured by Mercury and stuck with over $20,000.00 bills. After nine months of nonsense excuses from Mercury ended up to hiring attorney for trial and pay for everything from my pocket. IF ITS MERCURY HIRE ATTORNEY FROM DAY ONE. Claim#CAPA-01822908
        1
        November 27, 2021

        steeeeve

        Worst Insurance Co.

        This company does not pay claims. Worst insurance company ever! Horrible customer service and claims department is a joke. I do not even understand how they are allowed to operate in the USA. I made a claim and they dismissed it before even seeing the details of the accident. Dismissing claims and not paying claims is Mercury's protocol. Paying them premiums is a waste of money because they automatically dismiss most claims and do not pay. ...
        This company does not pay claims. Worst insurance company ever! Horrible customer service and claims department is a joke. I do not even understand how they are allowed to operate in the USA. I made a claim and they dismissed it before even seeing the details of the accident. Dismissing claims and not paying claims is Mercury's protocol. Paying them premiums is a waste of money because they automatically dismiss most claims and do not pay.
        3
        January 11, 2021

        Shaya

        My Review

        Overall it is a good insurance company however, i do wish they would offer benefits due to the pandemic.
        3
        December 31, 2020

        JuneT

        Mercury Insurance High Premiums

        I pay the premium and have made no claims. I think the rates are too high but feel comparing insurance won't yeild a different result.
        4
        November 20, 2020

        shorty22

        great service

        This company is always thorough and on top of everything when it comes to actually needing them. They are very detailed in their bills. They don't hide fees. They explain everything and are by your side thru any claims.
        5
        October 17, 2020

        Evan507

        Great customer service.

        Mercury has great customer service and comparable rates. They handled my claim quickly and didn't raise my rates for a small accident. Their service was quicker than expected and the representatives are all friendly and courteous. The website and app are very useful and easy to use. I highly recommend them.
        3
        October 8, 2020

        lordaz

        Mercury Review

        Mercury has been great at walking me through the process of reporting an accident but they should be more diligent about continuously contacting the other insurance company to get their information.
        5
        October 8, 2020

        danimurillo

        Great service

        Our vehicle was hit/damaged in the middle of the night. Called Mercury and opened a claim quickly. It was quick and easy!
        4
        October 5, 2020

        asanchez7876

        No Problems so Far.

        I haven't had any good or bad experiences with them as I have not had to file any claims. So far their prices have been pretty comparable or a little cheaper than other companies.
        3
        October 2, 2020

        chiver

        Good service but high price

        This is a good company that process claims without any issue. However, they increase my insurance every year and I find much cheaper insurances from other company.
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