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Mercury Insurance


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14 User Reviews


Overall Score

LAST UPDATED: July 9th, 2021

Founded in 1961, Mercury Insurance offers auto coverage in eleven states. The company emphasizes being fair to drivers regardless of risk, which makes it stand out in the industry.

You can find competitive coverage and discounts. The insurer has received high financial strength ratings, which makes it a reliable choice.

Mercury Insurance policies are sold through independent agents, which makes it easy for you to compare coverage and cost with other carriers.

Although additional customer insight would be valuable, Mercury Insurance has many characteristics that make it worth exploring further.

Read Mercury Insurance Reviews


The Good

  • High Financial Strength Ratings
  • Policies Sold Through Independent Agents
  • Repair Facility Network
  • Competitive Coverage and Discounts
  • Helpful Customer Service

High Financial Strength Ratings

Mercury Insurance has high financial strength ratings. These ratings indicate that the insurer is financially stable and likely able to make claims payments. Competitive insurers have high financial strength ratings.

Policies Sold Through Independent Agents

Rather than hiring its own licensed insurance agents, Mercury Insurance policies are sold by independent agents. This approach makes it easy for you to compare Mercury car insurance policies to those offered by other carriers.

In addition to the ability to work directly with an agent for personalized recommendations, you can start a quote online.

Repair Facility Network

Mercury Insurance has a network of authorized repair shops. If your car receives care at these shops, the repairs are guaranteed for as long as you own the vehicle.

Repairs can be expensive, so this guarantee can offer peace of mind when you get your car fixed.

Although a few other insurers offer repair shop networks, this offering makes Mercury Insurance stand out.

Competitive Coverage and Discounts

You'll benefit from competitive coverage and discounts when purchasing insurance from Mercury.

The insurer offers comprehensive, collision, medical payments, personal injury protection (PIP), uninsured or underinsured motorist, and liability coverage. You can increase the protection in your car insurance policy through additional coverage for rental car and roadside assistance.

If you drive for a ridesharing company, Mercury Insurance offers ride-hailing coverage to ensure you don't experience a gap in insurance coverage.

With many types of coverage available, you'll be able to find an auto insurance product that works for you.

In addition to competitive auto insurance policy options, you'll find some of the common discounts for the industry:

  • Multi-policy
  • Multi-vehicle
  • Good driver
  • Good student
  • Auto pay
  • E-signature
  • Pay in full

Like other car insurers, Mercury Insurance offers a driving monitoring program that gives you a car insurance rate based on your driving habits. This discount is delayed a few months so the insurance company gets a sense of your driving. However, you do get a 5 percent discount for signing up.

Helpful Customer Service

Mercury Insurance offers helpful customer service and tools for its policyholders. You can file a claim any time and access an online customer portal to manage your policy.


The Bad

  • Insufficient Customer Insight
  • Limited Availability

Insufficient Customer Insight

Mercury auto insurance reviews on are few, so conclusions about customer satisfaction are limited. It is promising that a majority of customer reviews are positive. Positive reviews mention good customer service, quick responses to claims, and cost satisfaction.

Limited Availability

Mercury Insurance is only available in 11 states. If you live outside of these states, you'll need to find another auto insurance provider.


The Bottom Line

While more customer reviews would offer helpful insight, Mercury Insurance has many characteristics that make it worth exploring further.

The car insurance company has high financial strength ratings, competitive coverage, and good discounts. Its distinguishing features are its guaranteed repairs through authorized shops and selling policies through independent agents.

If Mercury Insurance is available in your state, it's worth looking into.

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14 Reviews

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We've used Mercury Insurance for the past several years after switching over from 21st Century. Policy prices are lower and Mercury has reliably come through for accidents and other claims. Their website is easy enough to work through and customer service has always been good.

4 years ago

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JF Rancho Palos Verdes, CA

Extremely good rates until recently, now my long-term and multi-policy discounts are overwhelmed by recent 20%+ increases "for rising costs". but most of these years it's been great. other recent problem is they increase my miles or coverages at renewal time and I have to spend two hours on phone to get policy back to normal. at least once i get a rep on the phone they are very good and pleasant

1 year ago

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Craig Meier Los Angeles, CA

Great price, but wouldnt help me with a bad/fradulent repair because I chose my own bodyshop. I was misled into thinking because this local shop was in Mercury's system, that is was a Mercury Authorized Repair Facility. It was not and I got screwed into having to pay for the repair of the repair at about $2,000 and am going to try to sue the shop for $2,000.

2 years ago

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Constance Royval

great customer service,decent rates. Local agent to handle any questions,I can just drop by the office. I WILL NOT BUY INSURANCE ON LINE.

3 years ago

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Good price but service is only average. When hit by another car they were not much help. No follow up after case was rapped up with other insurance company.

3 years ago

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Cheryl D La Mirada, CA

Employees very knowledgable & give suggestions on how to include best coverage for you

2 years ago

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I had an accident with a rental car and they were very helpful

2 years ago

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Don Chambers

Good service, quick response to claims, fair price; what more do you need?

2 years ago

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Don Chambers

They have competitive rates, and very fast response when entering a claim

3 years ago

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Josh Hartmann

Best price and great customer service...very accommodating company.

3 years ago


Review Source

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Kate Gregory Pleasant Grove, UT

We weren't super impressed with the coverage limits for the cost, but luckily we never had to make a claim.

1 year ago

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Henrietta krueger

great customer service, claim processed quickly

1 year ago


Review Source

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Taylor Siren Gilbert, AZ

Switching to Mercury was a great decision, their low rates help me save money.

3 years ago

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David C Morrow

handle claims well and I like my broker agent

3 years ago

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