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Mercury Auto Insurance Reviews And Ratings

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mercury
Mercury Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 75%
Who Plan to Renew 92%
AM Best Financial Strength Ratings A

About Mercury

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

Best Auto Insurance Companies 2021: How Mercury Measures Up

Mercury earned an InsureScore of three out of five stars in our annual review of Best Auto Insurance Companies. They got three-star ratings across the board in claims, price, customer service and website & app. 

When we asked Mercury customers if they would recommend the company to others, 75% said yes and 92% said they planned to renew their plan.

Gauging an insurance company

Before buying with a company it is wise to check on a company’s financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Mercury’s financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median.

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 no-frills and 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.

Mercury Car Insurance Coverages

  • Personal and Business Auto

Mercury Car Insurance Additional Policies

  • Homeowners
  • Renters
  • Condo/Townhouse
  • Business Insurance
  • Umbrella

How likely customers would recommend this company?

50% I would definitely recommend this company
25% I would probably recommend this company
17% Neutral
7% I would probably not recommend this company
1% I would not recommend this company

Reasons for Buying

Customers of Mercury originally decided to purchase from the company for these reasons:
  • 23% Offered best price
  • 16% Recommended by friend or family member
  • 15% Reputation
  • 15% Saw online ad
  • 14% Saw TV commercial
  • 8% Financial strength rating
  • 7% I had other insurance with this company
  • 1% The company website and mobile apps are easy to use and helpful
  • 1% Was the company my parents had

Would you renew?

  • 92% Yes
  • 8% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 26%
  • Fairly satisfied / Fulfills my needs OK 34%
  • Average website and apps 15%
  • Very unsatisfied / digital offering is severely lacking 15%
  • Unsatisfied / website and/or apps are not fulfilling my needs 8%

How do you prefer to deal with insurer and policy?

  • In person 36%
  • Phone 27%
  • Email 5%
  • Interactive website 13%
  • Mobile App 19%

Customer Complaint Ratio

info

The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

Mercury’s customer complaint ratio for Private Passenger Auto insurance is 1.1
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?

Customer Reviews

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

Customer Reviews

100 Reviews. 3 Stars out of 5
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