Mercury Auto Insurance

Mercury Auto Insurance

 2.0/5 (357 ratings)
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About Mercury Auto 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.

Overall Satisfaction Rating

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Pros

  • Several discount options
  • Offers rideshare coverage
  • Affordable rates

Cons

  • 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.

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Rated with 5 stars
Verified

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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Rated with 5 stars
Verified

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.

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How do I know I can trust these reviews about Mercury Auto Insurance?
How do I know I can trust these reviews about Mercury Auto Insurance?
  • 3,848,927 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: 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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Rated with 1 star
Verified Reviewer Verified Buyer
Original review: 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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    Rated with 1 star
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    Verified Reviewer
    Original review: 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!

    4 people found this review helpful
    Rated with 4 stars
    Verified Reviewer
    Original review: 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.

    8 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: 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.

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 19, 2020

    On October 17th I called for a quote and I was talking to Matthew. He gave me a quote for 1700 for 12 months. I thought this price was wonderful. Then I asked for a quote if add my husband as a driver then he said 4000 for one car. This got to be a joke plus I sent proof that my accident wasn't my fault. So when I called today they said that they can't exclude my husband but he have his own car and insurance.

    4 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 3, 2020

    I believe the premium rates are among the lowest in the industry because there have been times I've compared. I have a very good driving record but when I had a collision recently that wasn't at fault, they were very prompt and dependable, and made sure I got the best outcome possible while seeming to care a lot about making sure any injuries I might have received attention and compensation. Their customer service is excellent.

    9 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: July 25, 2020

    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. We also have our Homeowners insurance with Mercury. Our rep has been exceptional and have had excellent service for all these years.

    4 people found this review helpful
    Rated with 5 stars
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    Verified Reviewer
    Original review: July 24, 2020

    I have been with this insurance company more than 10 years and they have always taken great care of me with great service, kindness, professionalism, and have handled all my issues with concern and care.

    3 people found this review helpful
    Rated with 4 stars
    Verified Reviewer
    Original review: July 23, 2020

    Customer service is often very difficult to get in touch with. I had roadside assistance included in my bill for years, and then somehow it was taken off and I didn't notice that until I needed their help. When I got in an accident, there was only one person I could talk to, and she would leave me a voicemail and tell me to call her back. When I left a message she never returned my call. This went on for a couple of weeks. I couldn't answer the phone every time it rang because I was at work.

    4 people found this review helpful
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    Mercury Auto Insurance Company Information

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