Mercury Insurance Overview

Mercury Insurance Company has been selling auto insurance since 1962 and is continuing to grow each day. It is one of the fastest growing companies and is a leader in insurance in California. Today, there are over 51,000 employees. Mercury Insurance is headquartered in Los Angeles, and primarily provides coverage for auto, business insurance and homeowners’ coverage. Auto coverage is through a network of more than 7,000 independent agents throughout 11 states.


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The Good

There are a number of beneficial features and services offered through the Mercury Insurance platform. These services help insure consumers’ automobiles, depending on the plan selected. Those that decide to use Mercury Insurance can expect the following from the provider:


Mercury has been selling auto insurance since 1962, giving it 54+ years of experience.


In 2014, Mercury made Forbes’ list as one of America’s must trustworthy companies. After researching over 8,000 companies, Forbes narrowed the field to the best of the best and listed their top 50. In regards to Mercury, Forbes had this to say:

“Mercury has been serving insurance consumers for more than 50 years and this prestigious honor from Forbes validates our long-standing efforts to supply affordable insurance and unsurpassed service for our millions of customers,” said Mercury CEO Gabe Tirador. “For the past five decades Mercury has operated with the belief that personal relationships are important to consumers, and these relationships – whether with the company or with our agents – help to create trust. This blueprint is obviously still true today.”

Coverage Features:

Mercury covers all the bases we like to see in a policy:

  • Liability
  • Collision
  • Comprehensive
  • Medical
  • PIP
  • Uninsured
  • Underinsured
  • Rental car
  • Roadside


They also provide the following discounts:

  • Accident foregivness
  • Feature 15
  • Multicar
  • Multi-policy
  • Passive restraints
  • Antitheft
  • Antilock
  • Youthful driver
  • Driver training
  • Youthful longevity
  • College student
  • Age 55 and over
  • Accident prevention course
  • Reduced usage
  • Payment plans

File/Track Claims:

Mercury Insurance gives customers the ability to file and track claims online.


Mercury’s website includes an informational blog full of helpful resources on a variety of car and coverage topics. Named “news you can use,” the blog features regional and national headlines of insurance-related news, as well as the company’s headlines and updates as well. Their website’s homepage feature a section called “more insurance tips,” providing a look into safety ratings, lower-than-usual insurance premiums and auto accident claims.

The Bad

While Mercury provides a relatively helpful service to their customers, there are aspects of the business that need to be further analyzed. That means that limitations need to be pointed out and examined. These disadvantages of the Mercury platform include the following:

Price Range:

Mercury has not disclosed pricing information.

User Popularity:

According to Consumer’s Review website, the company is not rated well. Out of 42 ratings, the company has only earned 1.25 stars, out of a possible five. 38 of the 42 voters gave a one-star vote, while three left a 5-star rating and only one left a four-star rating. Social Media numbers appear to be low, based solely on the company’s Facebook page. There are currently just 5,320 followers for the page.

Service Coverage:

Mercury provides auto insurance coverage to residents in 11/50 states: Arizona, California, Florida, Georgia, Illinois, New Jersey, Nevada, New York, Oklahoma, Texas, and Virginia.

The Bottom Line

Mercury provides good discounts and more importantly, all the necessary coverage features. Mercury also has the longevity to showing that it is a contender within the insurance industry. Consumers will need to decide whether or not the limitations of Mercury outweigh the benefits of the service.

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