Mercury auto insurance review 2026: Compare rates, discounts and satisfaction ratings. Mercury is No. 14 among national carriers in our ranking of the Best Car Insurance Companies for 2026, with 3.56 stars out of 5.
Anna Baluch is a freelance financial writer from Cleveland, OH. She writes about a variety of topics, including debt management, credit cards, mortgages, personal loans, and student loans. Her work can be seen on Forbes, Newsweek, Realtor.com, Rocket Mortgage, Experian, U.S. Chamber of Commerce, and a number of other reputable publications. Anna holds an MBA in marketing from Roosevelt University.
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
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Mercury stands out in Insure.com’s 2026 survey for exceptional customer trust and service accessibility, earning the highest trust score of any insurer and near-perfect marks for ease of use. Policyholders report high satisfaction with Mercury’s service, digital tools and policy options, and an impressive 95% plan to renew.
However, Mercury’s rates are among the highest in the survey, at $270 per month, significantly above the national average of $209 and more expensive than most competitors. The company also lags in discounts and bundling savings, which may make its policies less attractive for price-sensitive drivers.
Insure.com surveyed 2,000 auto insurance customers, who rated their insurers on service quality, claims handling, policy options, discounts, digital tools and bundling. Scores were combined with AM Best financial strength ratings, NAIC complaint data and premium rate data from Quadrant Information Services to produce each insurer’s final rating.
Mercury is ideal for:
Mercury is not ideal for:
Our agents make it hassle-free to get the right quote.
Mercury offers auto insurance at an average monthly premium of $270, which is significantly higher than the national average of $209.
See more rates in the table below.
Eighty-nine percent of Mercury customers reported being pleased with the insurer overall. This is comparable to other leading car insurance companies like Allstate, GEICO and Progressive.
Mercury scored highly when customers were asked about the ease of its service, with 95% of policyholders reporting satisfaction. Ease of service assesses how convenient it is for customers to access policy documents and modify their coverage.
When it comes to policy offerings, 89% of Mercury’s customers reported satisfaction with them. The majority of insurers ranked in the 80th percentile for policy offerings.
Survey respondents highly recommend Mercury, with 89% revealing they would recommend the insurance company to friends and family.
Of all the insurers surveyed, Mercury takes the lead in trustworthiness, with 100% of customers reporting that they trust the company. This was the highest score in the survey and was achieved by only 100% of an insurance company in this year’s study in any category.
Furthermore, most Mercury policyholders (95%) who responded to the survey indicated that they planned to renew their coverage.
Mercury earned an 80% for claims handling, which was only two points lower than the top national insurer, Travelers, at 82%. For digital experience, which measures how people feel about a carrier’s website and app, Mercury scored 93%.
Discounts are below average for Mercury: The company scored 56% for discounts (the average was 61%). Bundling auto with home insurance clocked in at 71% – 7 points below average.
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Note: Availability is subject to change
Founded in 1961 in Los Angeles, Mercury Insurance has grown from a small local auto insurer into a significant regional carrier serving millions of drivers across 11 states. Today, Mercury manages more than 1.5 million policies across auto, home and business insurance lines, supported by a strong network of more than 9,400 independent agents who provide personalized guidance and claims support.
Financially, Mercury maintains a stable position within the industry. Mercury generates over $4 billion in annual revenue, driven by steady growth in key markets such as California, Arizona and Florida.
Contact Mercury Insurance: Call 1-800-956-3728 or visit www.mercuryinsurance.com.
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on customer satisfaction, ease of service, policy options, claims handling, digital experience, discounts and bundling home with auto. We also asked whether they planned to renew, would recommend their insurer to friends and family and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., we applied the following weights to calculate each company’s final rating:
Each insurer received a rating between 0.5 and 5 stars.