Mercury Auto Insurance Review 2022

Mercury auto insurance offers standard coverages, including collision, comprehensive, and liability, as well as several add-on options and discounts that can help you save.

UPDATED: Dec 6, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Dec 6, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Dec 6, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 6, 2022Fact Checked
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Mercury Insurance Group

Average annual rate for good drivers:

$1,917

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Rideshare coverage options
  • Discounts on coverage
  • Additional insurance options for bundling policies
  • Roadside assistance coverage

Cons

  • A high number of customer complaints
  • Not a lot of options to customize coverage
  • High coverage rates when compared to other well-known companies

The Bottom Line

Mercury offers the type of coverage you’d expect with any car insurance company, and customers can save money by utilizing discounts. In addition, rideshare coverage and roadside assistance options could help customers specialize their policies to work for them.

Mercury rates are higher than rates with many well-known names in insurance, and customers say the company’s customer service needs improvement.

A Concise Overview

  • Mercury offers rideshare insurance coverage and discount options for policyholders
  • The company has roadside assistance coverage
  • Mercury has a relatively high number of customer complaints

If you’re searching for the best car insurance company in your area, you may want to consider Mercury Insurance. Mercury auto insurance offers standard coverages and add-on options, as well as opportunities for discounts to save money on premiums.

Unfortunately, Mercury is only available in 11 states, and the company has its fair share of customer complaints. Still, you may find that rates with Mercury are competitive in your area, and the coverage could work well for your needs

Is Mercury Insurance Group a Good Choice?

Mercury Casualty Company has an A (Excellent) financial strength rating with A.M. Best and a stable outlook for future endeavors. According to the National Association of Insurance Commissioners, its complaint ratio is .71 lower than the industry ratio of 1.0, so Mercury does not have as many complaints as other companies of its size.

Still, according to the 2020 J.D. Power U.S. Auto Claims Satisfaction Study, policyholders are not satisfied with Mercury’s customer service.

If you’re considering purchasing a policy with Mercury, you should read customer reviews beforehand. Doing so will help you understand what policyholders have to say about how claims are handled with Mercury.

 

Mercury Insurance Group Rates

You will have to obtain a Mercury Insurance quote to know how much you will pay for auto insurance coverage with the company. Since everyone’s rates are determined based on several factors, you’ll never know what you’ll pay for a Mercury policy until you get a quote.

Still, the average rates for car insurance with Mercury are often higher than the national average and some well-known insurance providers, like GEICO auto insurance and USAA auto insurance.

Teen Driver Rates With Mercury

Teen drivers often pay the most of any demographic for car insurance. For example, rates on auto insurance for teenage drivers with Mercury are well over the national average, with females paying around 35% more and males paying 27% more.

Mercury rates are also more than double USAA’s rates for teen drivers.

Mercury Adult Driver Rates

When people turn 25, they often find their car insurance becomes less expensive. But young adults pay around 6% more for coverage with Mercury than the national average. Additionally, young adults may get a policy with USAA for nearly $1,000 less per year.

Adults pay 5% to 7% more for Mercury coverage than the national average.

And adults can pay half as much for a policy with USAA.

Mercury Rates for Senior Drivers

Mercury rates on auto insurance for older adults are higher than rates with many other companies.

Seniors can pay $600 less per year for coverage with GEICO.

Mercury Rates After a Speeding Ticket

People with speeding tickets on their records pay around $500 more than the national average for Mercury car insurance.

State Farm auto insurance for people with speeding tickets for nearly $1,000 less annually.

Mercury Rates After an Accident

Mercury car insurance rates after an accident are around 28% higher than the national average.

These rates are also around $1,200 more per year than similar coverage with State Farm.

Mercury Rates After a DUI

A DUI on your record will raise your insurance rates, but Mercury coverage is only around 2% higher than the national average for auto insurance after a DUI.

Still, State Farm offers coverage that is around $950 less per year.

Mercury Rates for Drivers With Poor Credit

Unfortunately, a low credit score can impact your car insurance rates. Still, coverage with Mercury is around 7% higher than the national average for auto insurance for drivers with bad credit.

Rates with Mercury are around $1,100 more yearly than those with GEICO.

Liability-Only vs. Full Coverage Rates With Mercury

A liability auto insurance policy with Mercury can cost up to 22% more than the national average. Paying for full coverage car insurance with Mercury could mean you pay 27% more than the national average.

Full coverage rates with Mercury are nearly double those with USAA. Liability rates with Mercury are around $700 more per year than rates with GEICO.

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Mercury Insurance Group Discounts Available

Mercury does offer several car insurance discounts on coverage, such as:

  • Multi-vehicle
  • Multi-policy
  • Safety devices
  • Auto-pay
  • Good grades
  • Safe driver discount
  • Paid-in-full
  • Mercury RealDrive
  • Mercury Go

Discounts can help you save as much as 20% on coverage, so it’s a good idea to speak with a Mercury representative to see if you could save money.

What is Mercury RealDrive?

Individuals can save 5% on their policies by signing up for RealDrive, which tracks the number of miles they drive. If people drive less, they may also be entitled to cheaper rates for coverage with Mercury.

What is Mercury Go?

Mercury Go is the company’s usage-based insurance discount opportunity. Mercury Go tracks a person’s driving habits, like speed, braking, and time of day, and allows people to save money for safe driving techniques.

Mercury Insurance Group Coverage Options

Mercury Insurance Company offers the following options for car insurance coverage:

  • Collision insurance. This coverage pays for damages in the event of an accident.
  • Comprehensive insurance. This coverage pays for damages that result from non-accident-related incidents, such as theft or acts of god.
  • Liability auto insurance. This coverage offers legal protection if you’re found at fault in an accident.
  • Rental car insurance. This will cover the costs of a rental car if you need one because your car is in the shop.
  • Uninsured/underinsured motorist coverage. This will help pay for damages caused to your vehicle by someone who is uninsured or does not carry enough insurance coverage.
  • Rideshare auto insurance. Rideshare insurance allows you to stay covered if you’re driving for your rideshare job, like Uber or Lyft.
  • Medical payments. This coverage pays for medical debts associated with a car accident.
  • Mechanical protection. This covers unexpected repairs you need to make to your vehicle.
  • Roadside assistance. Roadside assistance covers towing, tire services, jump starts, and more.

Some insurance companies do not offer coverage for rideshare vehicles, but Mercury car insurance does. So if you drive for a company like Uber or Lyft, Mercury may work great for you.

Frequently Asked Questions

How can I cancel a Mercury car insurance policy?

To cancel a Mercury policy, you will need to call 1-800-503-3724 and speak with a representative.

What other types of insurance does Mercury offer?

Mercury offers the following insurance options in addition to auto insurance:

  • Home
  • Condo
  • Renters
  • Landlord
  • Umbrella
  • Mechanical protection
  • Business owners
  • Business car insurance

 

Where does Mercury offer coverage?

Mercury offers car insurance coverage in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.

How can I file a claim with Mercury?

To file a claim, you will need to call 1-800-503-3724 and speak with a representative who can help you.

How do I contact Mercury Insurance?

You can call 1-800-503-3724 or use a contact form found on the company’s website to send a message.

Does Mercury offer roadside assistance?

Policyholders can purchase roadside assistance with Mercury. The coverage includes towing, locksmith services, battery jump starts, and more.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

Reviews
for Mercury Insurance Group

3.73 (666 reviews)
1
November 27, 2021

steeeeve

Worst Insurance Co.

This company does not pay claims. Worst insurance company ever! Horrible customer service and claims department is a joke. I do not even understand how they are allowed to operate in the USA. I made a claim and they dismissed it before even seeing the details of the accident. Dismissing claims and not paying claims is Mercury's protocol. Paying them premiums is a waste of money because they automatically dismiss most claims and do not pay. ...
This company does not pay claims. Worst insurance company ever! Horrible customer service and claims department is a joke. I do not even understand how they are allowed to operate in the USA. I made a claim and they dismissed it before even seeing the details of the accident. Dismissing claims and not paying claims is Mercury's protocol. Paying them premiums is a waste of money because they automatically dismiss most claims and do not pay.
3
January 11, 2021

Shaya

My Review

Overall it is a good insurance company however, i do wish they would offer benefits due to the pandemic.
3
December 31, 2020

JuneT

Mercury Insurance High Premiums

I pay the premium and have made no claims. I think the rates are too high but feel comparing insurance won't yeild a different result.
4
November 20, 2020

shorty22

great service

This company is always thorough and on top of everything when it comes to actually needing them. They are very detailed in their bills. They don't hide fees. They explain everything and are by your side thru any claims.
5
October 17, 2020

Evan507

Great customer service.

Mercury has great customer service and comparable rates. They handled my claim quickly and didn't raise my rates for a small accident. Their service was quicker than expected and the representatives are all friendly and courteous. The website and app are very useful and easy to use. I highly recommend them.
3
October 8, 2020

lordaz

Mercury Review

Mercury has been great at walking me through the process of reporting an accident but they should be more diligent about continuously contacting the other insurance company to get their information.
5
October 8, 2020

danimurillo

Great service

Our vehicle was hit/damaged in the middle of the night. Called Mercury and opened a claim quickly. It was quick and easy!
4
October 5, 2020

asanchez7876

No Problems so Far.

I haven't had any good or bad experiences with them as I have not had to file any claims. So far their prices have been pretty comparable or a little cheaper than other companies.
3
October 2, 2020

chiver

Good service but high price

This is a good company that process claims without any issue. However, they increase my insurance every year and I find much cheaper insurances from other company.
1
September 8, 2020

alberto17

time

I am not satisfied with the service, it is very difficult to pay for the high costs and it is impossible to communicate with them, they do not attend to the claims on time
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