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Mercury Auto Insurance Ratings
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Reasons for Buying from Mercury
Customers of Mercury originally decided to purchase from the company for these reasons:
| Offered best price | 30% |
| Reputation | 19% |
| Recommended by friend or family member | 18% |
| Saw online ad | 10% |
| Was the company my parents had | 6% |
| I had other insurance with this company | 5% |
| Saw TV commercial | 5% |
| Financial Strength rating | 4% |
| The company website and mobile apps are easy to use and helpful | 3% |
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About Mercury
Types of auto coverage
- Personal and Business Auto
Additional policies offered
- Homeowners
- Renters
- Condo/Townhouse
- Business Insurance
- Umbrella
Best Auto Insurance Companies 2020: How Mercury Auto Insurance Measures Up
With an overall score of 84.9, Mercury earned sixth place on the list this year, failing to crack the top five by less than a point. Still, it placed No. 4 for claims handling (91.35) and No. 5 for value for price (81.4). In the customer service category it placed fifteenth, with a score of 84.6, which was less than a point behind the four preceding carriers. Mercury landed in the middle of the pack, at twelfth for usefulness of its webs site and apps. Eighty-two percent said they would recommend the company to friends and family. Ninety-two percent said they’d renew their policy.
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. For auto insurance, Mercury (NAIC# 27553) had a complaint ratio of 0.87 for 2018. 2019 complaint numbers will be available in 2020.
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.
Contact information
Corporate Headquarters
4484 Wilshire Boulevard
Los Angeles, CA 90010
Customer service and claims: 1-800-503-3724
Coverage Options
Mobile app. The insurer offers an app for smartphones.Discounts
Multi-vehicle. Discount for two or more vehicles on the same car insurance policy.
Passive -restraint (air bag). Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver. Discount for no accidents or traffic violations, usually for three or five years.
Multi-policy. Discount for more than one type of policy with the same insurance provider.
Academic achievement. Discount for full-time students who meet certain academic criteria.Feedback of Surveyed Policyholders
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:
Positive Feedback
Neutral/Negative Feedback
"Customer service stinks"
"The company is very welcoming but service is a bit slow."
"They're a good company, the price is fair, and I haven't had any problems. I can't really complain or give any exceptional credit."
"After first renewal, prices go up and they only want auto pay"
"I have no problems with them."
"They never change the premium without the prior notice to the customer"
"They offer a good services to their clients, other than that I have no more things to say"
"The company ensures that you are getting all the basic coverages that are necessary for you"
"They don't misguide us"
"I hope they maintain their service quality in future as well"
"Just bought, and I don't really have any solid opinion"
"Just have never had any problems."
"Premiums rates aren't too bad to effect your wallet or budget too much"
"They are no good, play games to get out of payment"
"Good but need a bit improvement in service"
"Never found them cheating with me, so that is better than some other companies"
"Not too expensive plans"
"Not good or bad, saved me money"
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"I feel very good and I got what I need."
-Age 18-36, Arizona"Good fast response and customer service. Have had my cars repaired after an accident quickly and efficiently"
-Age 18-36, California"I had positive experience with their services"
-Age 18-36, California"Prices, attention, loyalty plans. They are all very good."
-Age 18-36, California"Has a wide range of places for those who are under its policy"
-Age 18-36, Florida"It's really safe, quick and easy to get insured"
-Age 18-36, Florida"The company is quite good and always looking forward help"
-Age 18-36, Florida"They provide my enough information to help me determine the kind of insurance I needed"
-Age 18-36, Florida"They will never disappoint you"
-Age 18-36, Florida"Very perosnal service. Always keep in touch with customers."
-Age 18-36, Georgia"Always give you best deals"
-Age 18-36, New Jersey"Gives many kind of policies and offers"
-Age 18-36, New Jersey"Helpful customer service without a doubt"
-Age 18-36, New Jersey"I have much trust on the relationship that I have with my insurer"
-Age 18-36, New Jersey"I highly recommend this company"
-Age 18-36, New Jersey"Representative helped me in identifying good products for myself"
-Age 18-36, New Jersey"Started with the good first impression, excellent timing and attitude."
-Age 18-36, New Jersey"The reimbursement for my claim was very favorable so I give them a thumbs up"
-Age 18-36, New Jersey"Wide range of plans which attracts many people"
-Age 18-36, New Jersey"Mercury will take care of everything for you if you tell them what you need"
-Age 18-36, New Jersey"Doing a great job"
-Age 18-36, New York"Customer service reps are friendly and agens approachable"
-Age 18-36, New York"Good company and has a good reputation in the market"
-Age 18-36, Texas"They are helpful, affordable and convenient"
-Age 18-36, Texas"The response from all the employees of this company is fantastic, very helpful"
-Age 37-52, New Jersey"Variety of discounts patterns are available there, helps in saving most, value packages are also provided by the company."
-Age 37-52, New Jersey"Very renowned company and works according to it's what they say they will do"
-Age 37-52, New Jersey"Can easily put trust on this company"
-Age 37-52, New Jersey"Give us quality of service, we are ready to pay more also"
-Age 37-52, New York"Has a specialized staff that helps you"
-Age 37-52, New York"I think it is much better in price and servicing than other companies I've had in the past"
-Age 37-52, New York"This company very faithfully helps the customer always"
-Age 37-52, New York"They seem to care about the customers needs"
-Age 37-52, Oklahoma"Nice policies covering all the features"
-Age 37-52, Texas"This company has a very good reputation in the industry and they have high financial strength"
-Age 37-52, Texas"My Mercuty agent is efficient and smart"
-Age 37-52, California"I would say my overall experience was good"
-Age 37-52, California"It has reasonable and simple rates for its customers. I have regular and continuous communication aboout my needs."
-Age 37-52, California"The website is very user-friendly, and it's easy to file necessary paperwork"
-Age 37-52, California"They've been good and easy to work with"
-Age 37-52, California"Treats us very well"
-Age 37-52, California"I have good experience with this company because I can insure more than one vehicle and install tracker."
-Age 37-52, Florida"It deals with its customers honestly and friendly.settlement of claims are made fast and amicably."
-Age 37-52, Florida"Mercury guarantees the repair for as long as customer owns her/his car with excellent services skills."
-Age 37-52, Florida"Good company to use in longrun. I like it a lot."
-Age 37-52, Georgia"Good experience because this company provide me my online portal on purchasing the policy to check my payment history and other details related to policy."
-Age 37-52, Georgia"Great prices compared to the other providers"
-Age 37-52, Georgia"Company has protection policies of vehicle as well as owner of the vehicle and has best customer services."
-Age 37-52, Illinois"Best thing is that they educate me on rebate and other beneficial points"
-Age 37-52, New Jersey"Giving me excellent coverage"
-Age 37-52, New Jersey"I am extremely content with their admininstration"
-Age 37-52, New Jersey"I am getting best service"
-Age 37-52, New Jersey"If you are willing to get the best insurance, call them"
-Age 37-52, New Jersey"In policy they gives you a variety of choices, you won't find them with other companies"
-Age 37-52, New Jersey"Is great company that I don't have any problem"
-Age 37-52, New Jersey"It is a quite smooth experience to buy my insurance with them"
-Age 37-52, New Jersey"Company online process is really good and fast"
-Age 53+, Arizona"This company providing me a good claim process and nice service"
-Age 53+, Arizona"Best plan that I can buy"
-Age 53+, California"Easy to deal with and great customer service"
-Age 53+, California"Call center team are efficient in guiding the customer"
-Age 53+, California"I like the personal agents who respond to all your questions"
-Age 53+, California"The best service, the best personnel, the best overall experience"
-Age 53+, California"The customer relations have been pleasant and productive. Not too much number punching."
-Age 53+, California"They are fair, caring and attentive and they keep me advised of what is going on"
-Age 53+, California"Good price, great service, no problems."
-Age 53+, Florida"Great customer service"
-Age 53+, Florida"Valuable packages are available."
-Age 53+, Florida"Just enjoy their service, great"
-Age 53+, Georgia"I have very positive feeling with this company and no bad experience so far."
-Age 53+, Illinois"Company providing me a good policy and 24/7 services"
-Age 53+, Nevada"Agents will resolve your queries and explainto you in detail what is going on"
-Age 53+, New Jersey"Great experience so far"
-Age 53+, New Jersey"Agent understood my requirement truly and then furnished me with the options which were appropriate for me"
-Age 53+, New Jersey"Mercury claim team is available for 24 a day, seven day a week to help buyers."
-Age 53+, New Jersey"My insurance agents have best coverages for you"
-Age 53+, New Jersey"Offers a variety of discounts helps in saving mores suggest different method and treatments, ready to step in and runs things smoothly and smartly."
-Age 53+, New Jersey"Staff had been extremely patient and had responded to all my queries"
-Age 53+, New Jersey"They cover my needs well enough"
-Age 53+, New Jersey"They give us the best suggestions for coverage and discounts"
-Age 53+, New Jersey"Transparency in their work, nothing hidden from me"
-Age 53+, New Jersey"There are discounts available for multiple cars, anti theft devices, good student, vehicle safety rating , good driver, affinity discounts and annual mileage. I know because I have them."
-Age 53+, New York