Last Updated: 04/18/2025
SuperMoney User Recommendation Score +36
Mostly recommended14 total votes
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Community Rating
Mostly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
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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.
Does Mercury auto insurance have roadside assistance?
No, Mercury does not have roadside assistace.Does Mercury auto insurance offer ridesharing insurance?
No, Mercury auto insurance does not offer ridesharing coverage as a rider or endorsement.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 and 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 inurance 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.
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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