Mercury Auto Insurance Reviews and Ratings

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mercury
Mercury Ratings
Overall Rating: 3.06
J.D. Power: 2.44
Average Premium: 3.40
Speeding-Increase: 3.75
At-Fault: 3.30
NAIC: 3.55
Multi-Policy Discount: 2.97
AM Best Rating A
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About Mercury

Customer service and claims: 1-800-503-3724
Corporate Headquarters
4484 Wilshire Boulevard
Los Angeles, CA 90010

Company Background

All drivers are not created equal

In the 1950s, everyone paid the same rate for auto insurance regardless of age or driving record. George Joseph thought there was a better way to provide insurance and raised $2 million to start his own company. Mercury General sold its first automobile policy in April 1962.

Throughout the ’60s and ’70s, the company expanded, opening offices throughout California. By the mid-1980s, Mercury had become the largest independent agency writer of private passenger auto insurance in California.

In 1989, it began selling outside of California — in Georgia and Illinois. Today, it sells auto and home insurance through a network of independent agents and brokers in 11 states — Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia.  Mercury is the 14th-largest private passenger auto insurance provider in the nation.


Consider Mercury for low rates

The company’s commercials state, “Working hard to keep rates low.” Not only does that mean rewarding the best driving habits and records, but it also means that Mercury works to keep its overhead low. The company’s site is straight-forward without a lot of resources or diversions, and claims are submitted over the phone, but that doesn’t mean they are stuck in the past. Like many insurers, they are available 24/7 and offer a smartphone app in order to access your policy information on the go.  Mercury may not be as fancy as some insurers, but the idea is that those savings will be reflected in your rate.

Among the company’s savings programs is RealDrive, a discount offering that’s based on how far a customer drives – the fewer miles driven, the higher the savings – and MercuryGO, a usage-based telematics app that offers a virtual driving coach and, depending on your state and driving record, up to a 40% discounts on your insurance. MercuryGO is available in Arizona, Florida, Georgia, Illinois, New Jersey, Oklahoma, Texas and Virginia.

Mercury Car Insurance Coverages

  • Personal and Business Auto

Mercury Car Insurance Additional Policies

  • Homeowners
  • Renters
  • Condo/Townhouse
  • Business Insurance
  • Umbrella
Coverage Options
Usage-based/Telematics Icon
Usage-based/Telematics
Rates can be based on your mileage and how you drive.
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
Discounts
Multi-policy Icon
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag) Icon
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Icon
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.

In which states is Mercury available?

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Penny Gusner
Contributor

 
  

Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s.

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