Mercury Auto Insurance

Mercury Auto Insurance Reviews

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Overall Rating3.6 out of 5
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About Mercury Auto Insurance Reviews

Mercury Insurance provides personal and commercial property and auto coverage at affordable rates. Many of Mercury’s customers have stuck with the company for years, some up to a decade or two, though it services only 11 states. It has several discount opportunities and provides rideshare coverage. The company also offers home insurance and other protection.

Pros & Cons


  • Several discount options
  • Offers rideshare coverage
  • Affordable rates


  • Must file claims by phone
  • Available in just 11 states

Bottom Line

Mercury Insurance provides auto policies, including rideshare coverage. You can’t buy Mercury policies or file claims online; most policy management must be done over the phone. Mercury is available in 11 states.

Featured Reviews

La Habra, CA

My husband and I have had Mercury Insurance for over 25 years, we have tried to see if any other companies that could beat Mercury’s pricing and none of the companies can… Our rep...

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Winnetka, California

I have been with Mercury Insurance Company for over 40 years. The last time I received a renewal notice I decided to see if I could get a better price. I checked with Auto Club, A...

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What is Mercury auto insurance?

Mercury has been selling car insurance since 1962. While it’s available in just 11 states, Mercury has a reputation for competitive rates and basic coverage options for new and high-risk drivers alike. You can make claims 24/7 by calling Mercury’s claims hotline — there’s no way to purchase a policy or file a claim through the company’s website. The company does offer an Android mobile app for policy management.

How does Mercury auto insurance work?

Mercury Insurance offers standard auto policies without any bells and whistles. Its basic coverage options include:

  • Liability: Covers damage caused to others if you’re at fault for an accident.
  • Collision: Pays for damage to your vehicle, regardless of who’s at fault.
  • Comprehensive: Covers damage caused by vandalism, theft, fire, flood or other non-accident incidents.
  • Medical payments: Helps pay for medical expenses due to a covered accident.
  • Personal injury: Helps cover medical costs and other expenses after an accident, regardless of who’s at fault.
  • Uninsured/underinsured motorist: Covers bodily injury for you, your passengers or other drivers of your insured vehicle in case of losses caused by drivers with inadequate or no insurance.

Mercury also has some optional policies, including:

  • Rental reimbursement: Helps cover the cost of a rental vehicle while your car is under repair due to a covered loss.
  • Roadside assistance: 24/7 help on the road, including towing, locksmith and flat tire services.
  • Ride-hailing insurance: Protects drivers working for a rideshare company while the ridesharing app is on.

Mercury guarantees repairs for as long as you own your vehicle as long as the work is done at one of its approved shops.

Mercury auto insurance quotes and costs

The cost of your Mercury auto insurance policy will vary depending on a number of factors: which policy you choose, whether you choose add-on coverage, your age, driving history, vehicle, location and more.

Though it’s hard to pinpoint exactly what your cost will be without a quote, Mercury’s monthly auto policy costs tend to average between $55 and $140. The company also offers several discounts for:

  • Anti-theft features
  • Autopay
  • E-signature
  • Good drivers
  • Good students
  • Multicar
  • Multipolicy
  • Paying in full

Mercury also has a program called RealDrive that sets your rate based on how many miles you drive. You get a 5% discount just for registering and for the duration of your enrollment in the program.

Mercury Auto Insurance FAQ

Where is Mercury auto insurance available?
Mercury Insurance is available in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia.
Does Mercury auto insurance require a credit score?
Mercury Insurance doesn’t make you provide a credit score. That said, none of the states in its service area have banned credit checks for car insurance, so it’s safe to assume the company will check your score.
Where is Mercury Insurance located?
Mercury Insurance is located in Los Angeles. It has local agents in all the states it services.
Who owns Mercury Insurance?
Mercury Insurance was founded in 1961 by George Joseph, who’s still the owner as well as a chairman.

Is Mercury good car insurance?

Mercury Insurance offers standard auto coverage options. The company writes policies in only 11 states, so it’s not accessible for many throughout the U.S.; for those who live in Mercury’s service area, though, it can be an affordable option for basic coverage. Overall, Mercury is a good choice for auto insurance.

Mercury Auto Insurance Reviews

ConsumerAffairs has collected 412 reviews and 82 ratings.

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Customer ServiceClaims HandlingStaff

Reviewed Aug. 25, 2023

I was rear ended by a driver insured by Mercury Insurance. Called them to file a claim and never heard back. The representative Cathy R. never answers her phone. Car has been damaged for 2 weeks. They are taking their sweet time ignoring claims. Was rear ended by their driver and they trying to pretend they are not responsible.

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Customer ServiceCoverage

Reviewed July 17, 2023

A policy update was being delayed by WEEKS by underwriting, and Mercury's underwriter Liz ** was unable to provide answers on why a simple change was being delayed by over a month. When requested to speak to a manger or someone else who would be able to provide information, Liz simply hung up. The embarrassing and disgraceful way Liz ** handled the inquiry call made the insured cancel the policy after many years.

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    Reviewed April 7, 2023

    A rep claimed that an email had been sent, but I didn't see any and only learned from a DMV letter that my auto insurance hadn't been renewed. No one wanted to call or confirm this from the company? I learned I'd been without insurance for the last two months and I'd have to wait two weeks to be insured again. Absolute garbage customer service.

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    Reviewed March 31, 2023

    I would not recommend this company to my anyone. I had a claim for hail damage to my roof and was made to feel like a liar by this company. The adjuster had his mind made up to deny my claim before he even did the inspection on my roof. I will never have auto or home insurance with this company again, by far the worst I have dealt with.

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    Customer ServiceCoverage

    Reviewed Sept. 7, 2022

    Atrocious. I have an added endorsement on my house insurance policy covering appliances. Dishwasher and washing machine are both having issues (i.e. dishwasher won't turn on, WM pauses itself mid-cycle and shuts itself off if the 'start' button isn't pushed again midway through a 'regular' wash cycle). Mercury sends out their third party partner (Strikecheck) to complete a diagnostic test on them both to gauge whether or not coverage is warranted. Strikecheck rep no calls/no shows for the first appointment (I took an entire day off of work to ensure I was home during their 4 hour window given). Another week goes by before Strikecheck gets someone to my house. Rep gets here, takes two photos (one of each machine) and leaves. Wasn't at my house for more than 10 minutes. Never inspected the machines, might not have even touched them. Tells me I'll hear something back from Mercury soon.

    Mercury calls this morning and says that coverage is denied because of a power surge. IMPOSSIBLE to determine that from a photograph. Not to mention, the washing machine still turns on and technically can operate essentially at 50% efficiency. So....I guess my house was hit with a power surge that killed the dishwasher, but only half-killed the washing machine and that was determined through 2 pictures. Absolutely ridiculous. Then I'm told by the Mercury claims adjustor that she advised me I could have hired my own local service to complete the diagnostics. I guess that was my fault?!? Feels like a classic case of insurance fraud.

    Collect their customers premiums, provide asinine excuses why coverage is denied, and then make you feel like it was your fault to begin with. And for anyone who reads this, I'm fully aware that Mercury and Strikecheck are two different entities. Strikecheck no call/no showing isn't on Mercury, but the reason for the denial of coverage and disrespect making the customer feel at fault absolutely is!! AVOID DOING BUSINESS WITH THESE CROOKS!!!

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    Customer ServiceCoveragePriceStaff

    Reviewed March 28, 2022

    I was hit by another driver over a month ago. The other insurance accepted responsibility 100%. I have had nothing but issues in getting everything taken care of from finding a shop to take my car in, to getting the repairs done, to renting a vehicle. I am now without a vehicle, as it has been over the 30 days since the accident and Mercury not only cannot help me with extending my rental, even though they would get it back from the other company, but I was told I had to call the other driver's insurance company to get reimbursed for the extra I had to pay out of my own pocket to get a vehicle comparable to what I have. I was also originally told I had to send my receipt to them in order to get reimbursed. I have NEVER had to go to the other driver's insurance in order to do anything, that's why you have an insurance company so they deal with everything. So now, I am here, 5 kids, full time job and no vehicle.

    When I returned my rental, they tried to charge me $ 350.00 because Mercury had not paid them their portion yet. So I am also here waiting for my $ 100 deposit back as well as a receipt so I can get reimbursed by the other insurance for my out of pocket. Mercury just does not have my back in this, seems like I'm on my own and will definitely be shopping around for different insurance!!

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    Customer ServiceCoveragePriceStaff

    Reviewed Feb. 28, 2022

    Agent referred and sold MERCURY Insurance to me, Home insurance and Auto insurance combine, they told me cheaper than other insurance, I trust her and paid annual full insurance fees at one time. But I found out the price were really not cheaper or good. Then I called agent. Ask for details why Home insurance looks a little cheaper, while Auto insurance price more higher than other insurance company quota. Agent just not patient answer my question. So I decide to move to another better insurance. I called agent and leave voice mails for two days and two times. But nobody call me back. Then I send email. Finally, Anna called me back. Ask me the send them DETAILED NEW insurance details and policy in order to cancel insurance with Mercury. They said that they need to make sure my new insurance full covered my Home and Auto. I never see these unreasonable requirement to cancel my insurance.

    So I called MERCURY Insurance. Try to cancel the policy directly and get refund. But they told me that I ONLY can contact agent to cancel policy and process refund. They need my New Insurance of another company details in order to cancel policy and get refund. Never see any other insurance have these odd policy.

    For Home insurance, I got refund after 15 days, they charge $50 for early cancel fee even I only sign and paid with 7 days. For Auto insurance, I still not get refund after almost one month, just send email to ask refund. They must charge me another $50 for early cancel fee. All other good insurance company, I never been charged $50 early cancel fee and need submit details new insurance policy of another insurance companies in order to cancel insurance and get refund. STAY AWAY from MERCURY Insurance, they ONLY want to take and charge money from you. Their review of these three years also very BAD with lower score.

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    Reviewed April 23, 2021

    Raised umbrella policy $200 during COVID SHUTDOWNS for no reason - never filed claim. Never used policy!!! UNCONSCIONABLE!! Insurance commissioner needs to take action against Mercury Insurance for gouging customers during COVID shutdowns!

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    Reviewed Dec. 5, 2020

    Mercury is a well known and established insurance company whose reputation is for truly inexpensive rates for auto insurance. They certainly saved me $1500 annually when I switched from Farmers in 2012. Truly it all depends on driving record, zip code and type of car(s). They do have a rather unfair practice of assuming how many miles you drive and don't inform you as they hike up the rates. When you do catch this you'll need to prove you aren't driving the miles they assume you are. It's kind of shady but when I do catch them and send them service records proving I barely drive my own car they do lower it back to where it should have been. This had occurred 3 times, it's frustrating.

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    Reviewed Oct. 31, 2020

    I got rip off from Mercury Insurance. After we agreed on the original price that was $526 for the insurance policy, they jacked up the price to $1293 without the consent or notification. They just sent me the bill and demanded me to pay it. When I fought for the original price of $526, all they did was delaying without making any progress. When I cancelled the policy, they charged me $170 for having the policy for a month, and refunded me $356 only. They are not reliable but only for their gain. I will give them less than zero if I could.

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    Mercury Auto Insurance Company Information

    Company Name:
    Mercury Auto Insurance