Mercury Auto Insurance Reviews and Ratings

Written by: Penny Gusner | Reviewed by: Michelle Megna

| Updated on January 19, 2021

Mercury Ratings

Overall Rating: 3.06

HOW WE WEIGH OUR SCORE

AM Best 25%
J.D. Power 25%
Average Premium 20%
Speeding-Increase 7.5%
At-Fault 7.5%
NAIC 7.5%
Multi-Policy Discount 7.5%

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

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 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.