Mercury Car Insurance Reviews

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About Mercury Car Insurance

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
  • Several discount options
  • Offers rideshare coverage
  • Affordable rates
Cons
  • Must file claims by phone
  • Available in just 11 states

Helpful Reviews

La Habra, CA
Verified purchase
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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Citrus Heights, CA
Verified purchase
Mercury has had my claim for 9 months with no payout. No communication. I’ve submitted everything required and still nothing. I’ve filed with the DOI. Stay away from them. I’ve be...

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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 a 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.
  • Gap insurance: Helps you cover the difference between what you owe on your loan and the vehicle’s current value in the event that you total your car.
  • Custom equipment coverage: Repairs or replaces aftermarket upgrades that are damaged or stolen.  

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 cost

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
  • 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.

Still have questions?

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.

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Mercury Car Insurance Reviews

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    Page 1 Reviews 0 - 10
    CoveragePunctuality & Speed

    Reviewed April 25, 2026

    My car was stopped waiting Mercury Insurance customer to pull out and leave. Instead he backed into me because he said he didn't see me. Mercury Insurance says it half my fault.

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    Customer ServiceCoveragePrice

    Reviewed March 19, 2026

    Working with Mercury is DANGEROUS!!! I didn't realize my autodraft hadn't gone through and they cancelled my insurance without so much as an email, text or letter. I was driving around for WEEKS oblivious that my auto draft hadn't gone through and my car was uninsured! My life and thousands of dollars were completely at risk and I had no idea!!! When I asked Mercury about this, they said that their company was cutting costs and were scaling back where they could! Once your policy expires, it's no longer their problem!! Go anywhere else!!! Working with Mercury is DANGEROUS!!! Consider yourself warned!!

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      Customer ServiceRefunds & PayoutsCommunication

      Reviewed June 4, 2025

      Mercury has had my claim for 9 months with no payout. No communication. I’ve submitted everything required and still nothing. I’ve filed with the DOI. Stay away from them. I’ve been put through 4 recorded statements and 3 investigations for nothing. They are the worst

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      Verified purchase
      Contract & TermsPriceRefunds & Payouts

      Reviewed Nov. 27, 2024

      The first issue I have with Mercury is they canned our policy disclaiming the age and condition of our roof. However, when we made a claim on hail damage they fought us through 2 "Re-Inspects". At that point it would have cost us more to get a "Private Adjuster" than to just pay out of pocket and do the job ourselves! I highly warn you to JUST SAY NO to Mercury!

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      CoveragePricePunctuality & SpeedRefunds & PayoutsStaffBillingLoan Process

      Reviewed Oct. 13, 2024

      I have Mercury auto and homeowners insurance. I have both set up to auto renew on a credit card. I pay for the whole year at once. Mercury recently auto renewed my auto insurance when it was due and charged my credit card. 2 days later the homeowner's insurance was due to renew on the same credit card. They failed to renew it. It was almost a month before anyone caught it. My mortgage company caught it and is now making me buy their insurance and pay for it through escrow for the duration of the loan. I am currently speaking with attorneys and have filed complaints with the Texas Insurance commission. Mercury claims no fault of theirs and refuses to help. POS of an insurance company.

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      Customer ServiceRates

      Reviewed Oct. 1, 2024

      AVOID THIS COMPANY! We had multiple policies and they started dropping with minimal notice for the exact same reason because they wanted to clear out a bunch of policies, regardless of the fact that we kept them when they raised our rates every other month. HORRIBLE COMPANY WITH NO CUSTOMER SERVICE.

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      Customer ServiceCoverageStaff

      Reviewed June 5, 2024

      I am not insured with Mercury however, someone who is rear ended me. Customer service is awful and I have yet to speak with a claims agent or adjuster. I am having to use my personal insurance to get the ball rolling. This is the worst insurance ever.

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      Coverage

      Reviewed April 25, 2024

      Do not get Mercury insurance if you don't want your car to get fix. This insurance company is trash. They take your money for yrs and when is time for you to use them they don't want to pay not even the storage fees or repairs that the body shop need to make to your car. They have left my car at the body shop over 3 months. You can't get a answer or a solution with the adjuster. This insurance company needs to be close down if they don't have the money to pay claims.

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      Customer ServiceCoverageTechPriceRefunds & Payouts

      Reviewed Oct. 11, 2023

      RUN FOR THE HILLS!!! This is by far the worst insurance I have ever had in my entire life!!! We had them for a year and on 1/12/2023 our town had 5 tornadoes come through. Our roof had bad wind damage and was leaking into our house so we filed a claim because that's what you're supposed to do. It took them until 6-20-2023 to even get anywhere at all with our claim, we would call and be sent straight to voicemail and at this point I was leaving a voicemail every other day with no return call.

      I finally got in touch with someone from the call center and was informed that our adjuster had been fired and no one bothered to reach out and let us know that he was gone nor did they assign us a new adjuster. After they finally sent us a check for $716.59 which even with our deductible wasn't enough to get any contractor to even start on our roof. 2 weeks after this insurance company sent us a check we got a letter of non-renewal saying that since we haven't replaced our roof they were not going to renew our policy. I wouldn't recommend this company to my worst nightmare and I will make sure everyone knows why!!!

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      Customer ServiceCoverageStaff

      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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      Mercury Car Insurance Company Information

      Company Name:
      Mercury Auto Insurance
      Website:
      www.mercuryinsurance.com