Last Updated: 04/18/2025
SuperMoney User Recommendation Score +36
Mostly recommended14 total votes
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Highlights
Community Rating
Mostly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
Number of Reviews
Mercury Auto Insurance Review
Mercury is a car insurance carrier based in Los Angeles, CA. The insurance company was founded in 1961 and offers car insurance in 11 states in the USA.
If you're considering whether Mercury auto insurance is a good option for you, read on.
Mercury auto insurance Pros & Cons
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Mercury auto insurance FAQ
What types of car insurance coverage options does Mercury auto insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Mercury auto insurance customers can also add the following riders or endorsements to their insurance policies:
- Transportation Network Company or ride-sharing coverage: Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft. This endorsement covers this gap.
- Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
- Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
- Mechanical Breakdown Coverage: If your vehicle is protected by mechanical breakdown insurance the costs of repairs (not including maintenance or normal wear and tear) are covered by your policy. However, you will need to obtain authorization from your insurance company first.
Does Mercury auto insurance have roadside assistance?
Emergency Roadside Service available. Yes, Mercury offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
Does Mercury auto insurance offer ridesharing insurance?
Ridesharing coverage available. Yes, Mercury auto insurance offers ridesharing insurance to policyholders as a rider or endorsement. Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft.
What benefits does Mercury auto insurance offer?
Mercury auto insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does Mercury auto insurance offer?
When you ask for an insurance quote with Mercury auto insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.
- Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's an insurance discount people often forget to ask for.
- Daytime Running Lights: This is an insurance discount you may not have heard of but it is becoming more commonplace. Daytime running lights make you more visible to drivers and pedestrians, which reduces accidents.
- Internal Safety Features: Mercury auto insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an insurance discount.
- Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for an insurance discount.
- New Vehicle: If you buy a current year or previous year model, you will qualify for an insurance discount on your premium.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Mercury auto insurance.
How does Mercury calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and Mercury is no exception. However, you can be confident that Mercury auto insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Mercury auto insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Mercury auto insurance insurance quote?
- Visit the Mercury website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Mercury auto insurance
Message from our editor
What We Love About Mercury Auto Insurance
Mercury Auto Insurance has been around for a long time, and it provides quality auto insurance products. You’ll find liability protection, collision protection, comprehensive coverage, medical coverage, uninsured and underinsured motorist protection, and more. You may also get discounts when you choose Mercury Auto Insurance, which is nice. They offer discounts for autopay, anti-theft features, good drivers, multi-car discounts, multi-policy discounts, and more.
Mercury has longevity on its side. They have good financial strength ratings, and it’s easy to get a quote online without any obligation. You can get a good idea of how much you’ll have to pay, including any potential discounts, before you decide to move forward. Mercury Auto Insurance is also easy to use via the online portal once you become a customer.
What Mercury Auto Insurance Could Do Better
Although there’s quite a bit to like about Mercury Auto Insurance, it doesn’t mean it’s the right solution for everyone. The company is not available in all states currently. Right now, it’s only available in AZ, CA, FL, GA, IL, NV, NJ, NY, OK, TX, and VA.
Additionally, you have to look at some of the ratings from past customers. They aren’t all glowing and could indicate areas where the company has trouble, which might mean problems with reacting to claims quickly.
Mercury Auto Insurance’s Backstory
Mercury General has been around for more than five decades. The company has $4 billion in assets and is a popular auto insurance company. The company offers a wide range of different types of coverage for the home, business, and more.
The Verdict
You have many options when it comes to getting your auto insurance, so you never want to jump at the first company you find. Take the time to look at everything Mercury Auto Insurance offers in terms of coverage and cost. Compare with other companies to ensure that you’re getting a good deal on the coverage. and check the reviews and ratings of those other companies. It’s not only about the price; you also need to be sure you’re choosing a company with good customer service.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 6:00PM
Tuesday
8:00AM - 6:00PM
Wednesday
8:00AM - 6:00PM
Thursday
8:00AM - 6:00PM
Friday
8:00AM - 6:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +36, or 3.7 on a 5-point rating scale.
+36
-1000+100
No one recommends
Everyone recommends
Mercury Auto Insurance Community Reviews
Would you recommend Mercury Auto Insurance to your friends?
DF
Doug F.
Sep 25, 2020
May or may not recommend
I have had Mercury now for about 5 years and love it! They have the best balance of affordable prices and exceptional customer service that I have found. My agent has always been very clear with me and has not tried to sell me unnecessary products. I highly recommend Mercury!
Olivia T.
Jun 5, 2019
May or may not recommend
I've had some good and bad adjusters on my cases. The good ones were fantastic to work with, and the bad ones left my case open for months. Their insurance packages are great and competitive, but my insurance cases have been an extreme crapshoot.
U
Anonymous
Mar 14, 2015
May or may not recommend
Worst. Insurance. Company. Ever. My car was damaged while sitting my in my driveway and I requested a claims adjustor come out to assess the damage. We couldn't figure out a schedule at the time, so I told them I'd give them a call back the next day. Apparently, they sent out someone to look at my car when I wasn't home. When I called back, they said they'd already ...Show More
U
Anonymous
Mar 4, 2015
May or may not recommend
I would be very careful about using this insurance company. Of course, no one ever wants to have to file a claim, but if you do it is nice to know that your insurance company is on your side. Not the case with Mercury. I felt like I was to blame when the accident wasn't my fault!
Isaac H.
Oct 29, 2014
May or may not recommend
Mercury Auto Insurance offers some of the most competitive rates for drivers with good driving records. While driver with one or two points can still compare rates between rival auto insurance companies; Mercury is almost always the best bet if you have no blemishes on your driving record. They're well capitalized at 2.9 billion. Also if you combine you home and auto policies from them, you get 15% discount. The ...Show More
Haig S.
Oct 22, 2014
May or may not recommend
I had Mercury insurance for 11 years and found them to have the best rates without sacrificing customer service. Regarding claims, which unfortunately in the past I had too many experiences with, they were responsive, professional and helped me throughout the process.
Peter V.
Oct 22, 2014
May or may not recommend
I had a fence blew down during a wind storm and Mercury had a settlment check to me within 3 weeks for the repairs. They were easy to reach but it took a little longer then expected to get our settlement.
Freddy E.
Oct 10, 2013
May or may not recommend
I've been a customer for 10 yrs now and I cant say enough about mercury ins. Customer service is great, service is great and they have the lowest RATES I have seen!! Def. recommend them.
gabriel D.
Oct 10, 2013
May or may not recommend
Being a former Mercury Insurance agent, I have nothing but good things to say about this Great company with great Customer Service also offers the most affordable insurance in So California!!!!
Ron M.
Oct 10, 2013
May or may not recommend
I've been a customer of Mercury for years. They've always had the lowest rates. I've always been happy with the service they've provided.
Terry A.
Oct 10, 2013
May or may not recommend
Can't really understand why Mercury would have anything other than an A rating. Best prices, best coverage, best service. All are requirements for insurance companies.
Omar A.
Oct 10, 2013
May or may not recommend
What an amazing company to work with. I had an accident recently and I was so nervous dealing with a claim. They made it so easy for me. I'll never use another insurance company in my life.
DARRELL H.
Oct 10, 2013
May or may not recommend
Mercury has been great. My rates are always competitive and very seldom are raised.
Jon R.
Oct 10, 2013
May or may not recommend
My agent is responsive but Mercury is very antiquated in their billing. They don't let you pay your monthly payments with a credit or debit card, only directly from a checking account. I found them to be the least expensive out of all insurance carriers.
Showing 14 of 14 reviews
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