Mercury Insurance Reviews

Mercury Insurance Review

Mercury Insurance boasts some of the best rates for auto and homeowners insurance, but its poor customer service could cause many to look elsewhere for coverage.
Mercury

Editor's Rating

Drivers will find that Mercury has some of the most affordable auto insurance rates in the states where it's available, making it a great choice for price-conscious drivers. Those who qualify for Mercury's discounts could lower their premiums slightly, too. Like its auto insurance policies, Mercury’s homeowners insurance policies carry low premiums and few discounts.

However, drivers and property owners who value well-regarded customer service will likely be dissatisfied with Mercury, which has mixed to poor reviews and a reputation for delays. While the insurer's prices will attract budget-conscious shoppers, other customers will likely find better service for similar prices elsewhere.

Good for
  • Young drivers who are looking for a low-cost auto insurance company
  • Anyone who is looking for mechanical breakdown insurance
Bad for
  • Anyone looking for an insurance company with excellent service
  • Homeowners looking for an online quote

Mercury auto insurance review

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Mercury auto insurance coverage

Compared to other insurance companies, there are only a few optional coverages available with Mercury auto insurance that customers can add to a standard, legally required policy. Furthermore, coverage options depend on the state of the insured, which ultimately restricts the number of add-ons offered. However, the Mercury mechanical protection endorsement is a feature not many other companies carry.

Drivers with Mercury auto insurance can get:

Mercury mechanical protection: Includes coverage for major failures that can occur to your vehicle, like transmission problems. Mercury mechanical protection offers several coverage levels for new and used vehicles, up to seven years or 100,000 miles, whichever comes first. Mercury mechanical protection also includes these additional benefits at no extra cost:

  • 24-hour roadside assistance
  • Rental vehicle assistance
  • Road hazard tire protection
  • Trip interruption coverage

Rental car coverage: Reimburses drivers for the cost of a rental vehicle if their car is involved in a covered accident. Mercury offers several coverage limits, with the lower end beginning at $30 per day and the higher end being $100 per day for a maximum of 30 days.

Roadside assistance: Provides stranded drivers with towing, a battery recharge, tire changes and help with locked doors. Mercury’s roadside assistance gives customers the option to select coverage ranging from $75 to $1,000 per occurrence.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003ECompared to other insurance companies, there are only a few optional coverages available with Mercury auto insurance that customers can add to a standard, \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What Is the Minimum Car Insurance Required in Each State?\" href=\"#https:\/\/www.valuepenguin.com\/minimum-car-insurance-required-your-state\"\u003Elegally required\u003C\/a\u003E\u003C\/span\u003E policy. Furthermore, coverage options depend on the state of the insured, which ultimately restricts the number of add-ons offered. However, the Mercury mechanical protection endorsement is a feature not many other companies carry.\u003C\/p\u003E\n\n\u003Cp\u003EDrivers with Mercury auto insurance can get:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EMercury mechanical protection:\u003C\/strong\u003E Includes coverage for major failures that can occur to your vehicle, like transmission problems. Mercury mechanical protection offers several coverage levels for new and used vehicles, up to seven years or 100,000 miles, whichever comes first. Mercury mechanical protection also includes these additional benefits at no extra cost:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 24-hour roadside assistance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Rental vehicle assistance\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Road hazard tire protection\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Trip interruption coverage\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERental car coverage:\u003C\/strong\u003E Reimburses drivers for the cost of a rental vehicle if their car is involved in a covered accident. Mercury offers several coverage limits, with the lower end beginning at $30 per day and the higher end being $100 per day for a maximum of 30 days.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERoadside assistance:\u003C\/strong\u003E Provides stranded drivers with towing, a battery recharge, tire changes and help with locked doors. Mercury\u2019s roadside assistance gives customers the option to select coverage ranging from $75 to $1,000 per occurrence.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Mercury Insurance discounts

Mercury doesn’t have the longest list of discounts, and like its optional coverage options, availability varies by location. While the discounts are typical of what other insurance companies offer, Mercury does offer ways to save on its already-cheap car insurance.

Drivers could lower the cost of a Mercury car insurance policy by:

  • Owning a home, even if it's not insured with Mercury
  • Finalizing an auto policy with a digital signature
  • Insuring multiple vehicles with Mercury Insurance
  • Getting multiple types of coverage with Mercury, like auto and home
  • Equipping the insured vehicle with an anti-theft device
  • Maintaining a high grade point average

Policyholders can also save up to 5% by signing up for Mercury's RealDrive program. RealDrive tracks the number of miles driven, with fewer miles leading to cheaper rates. This may be of particular interest to drivers affected by coronavirus lockdown measures.

Mercury auto insurance quotes

Mercury Insurance offers rates that align closely with its cheapest competitors, no matter the coverage level selected.

After gathering rates for drivers with different coverage needs, we found that Mercury Insurance remained cheaper than average for minimum and full coverage, including for drivers with one prior accident. However, compared to other large providers, Mercury wasn't ever the absolute cheapest option.

Drivers who want full coverage could find the best value from Mercury car insurance, as the insurer comes close to being the cheapest overall provider. Policyholders who qualify for any of the discounts offered by Mercury could likely reduce their rates enough to offset the company's relatively poor customer service, but the insurer's rates aren't cheap enough on their own to make it a runaway favorite for most drivers.

A bar graph showing the cost of Mercury Insurance
A bar graph showing the cost of Mercury Insurance

How do Mercury's rates compare to its competitors?

Insurance providerMinimum coverageFull coverageFull coverage with one accident
GEICO$188$727$959
CSAA$227$966$1,220
Mercury$263$746$1,286
Auto Club$285$874$1,307
State Farm$353$1,008$1,598

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data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/mercury-car-min-coverage-m_wvdqym 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/mercury-car-min-coverage-m_wvdqym 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch4\u003EHow do Mercury's rates compare to its competitors?\u003C\/h4\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class='align-left Table--th' width='' colspan='' rowspan=''\u003EInsurance provider\u003C\/th\u003E\u003Cth class='align-right Table--th' width='' colspan='' rowspan=''\u003EMinimum coverage\u003C\/th\u003E\u003Cth class='align-right Table--th' width='' colspan='' rowspan=''\u003EFull coverage\u003C\/th\u003E\u003Cth class='align-right Table--th' width='' colspan='' rowspan=''\u003EFull coverage with one accident\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Cth class='align-left Table--th' width='' colspan='' rowspan=''\u003EGEICO\u003C\/th\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$188\u003C\/td\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$727\u003C\/td\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$959\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Cth class='align-left Table--th' width='' colspan='' rowspan=''\u003ECSAA\u003C\/th\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$227\u003C\/td\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$966\u003C\/td\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$1,220\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Cth class='align-left Table--th' width='' colspan='' rowspan=''\u003EMercury\u003C\/th\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$263\u003C\/td\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$746\u003C\/td\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$1,286\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Cth class='align-left Table--th' width='' colspan='' rowspan=''\u003EAuto Club\u003C\/th\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$285\u003C\/td\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$874\u003C\/td\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$1,307\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Cth class='align-left Table--th' width='' colspan='' rowspan=''\u003EState Farm\u003C\/th\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$353\u003C\/td\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$1,008\u003C\/td\u003E\u003Ctd class='align-right Table--td' width='' colspan='' rowspan=''\u003E$1,598\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-QuoteWizardQuoteForm\" data-component-name=\"QuoteWizardQuoteForm\"\u003E\n \u003Cdiv class=\"QuoteWizardQuoteForm--root QuoteWizardQuoteForm--dropshadow\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--form-container\"\u003E\u003Ch3 class=\"QuoteWizardQuoteForm--title\"\u003EFind Cheap Auto Insurance Quotes in Your Area\u003C\/h3\u003E\u003Cform id=\"QuoteWizardQuoteForm--149\" class=\"QuoteWizardQuoteForm--form\" method=\"GET\" action=\"https:\/\/quotes.valuepenguin.com\" target=\"_blank\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--hidden\"\u003E\u003Cinput type=\"hidden\" name=\"c\" value=\"C20049\"\/\u003E\u003Cinput type=\"hidden\" name=\"product\" value=\"auto\"\/\u003E\u003Cinput type=\"hidden\" name=\"key\" value=\"_mercury-insurance-review\"\/\u003E\u003Cinput type=\"hidden\" name=\"v\" value=\"vp\"\/\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--fields\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--product\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"Select\" class=\"InputDropdown--select\" name=\"\"\u003E\u003Coption selected=\"\" 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value=\"\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--age\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"age\" class=\"InputDropdown--select\" name=\"age\"\u003E\u003Coption selected=\"\" value=\"age\"\u003EAge\u003C\/option\u003E\u003Coption value=\"16\"\u003E16-20\u003C\/option\u003E\u003Coption value=\"21\"\u003E21-24\u003C\/option\u003E\u003Coption value=\"25\"\u003E25-34\u003C\/option\u003E\u003Coption value=\"35\"\u003E35-44\u003C\/option\u003E\u003Coption value=\"45\"\u003E45-54\u003C\/option\u003E\u003Coption value=\"55\"\u003E55-65\u003C\/option\u003E\u003Coption value=\"66\"\u003E65+\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-title\"\u003ECurrently 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Mercury Insurance reviews and complaints

The reputation for customer service from Mercury Insurance is mixed. Measured by customer complaints, it performs decently. The insurer's largest auto subsidiary receives fewer complaints than the median insurer, with policyholders citing service delays as the source of their dissatisfaction with Mercury. Conversely, the company gets more complaints for its homeowners service.

However, Mercury car insurance placed second to last in J.D. Power's national industry satisfaction survey. Additionally, Mercury also placed near the bottom of J.D. Power's regional study. In California, where the insurer occupies a large market share, it was rated as the 14th best insurer of 16.

MeasurementAutoHome
NAIC Complaint IndexFewer than expectedMore than expected
J.D. PowerBelow averageNot rated
A.M. Best Financial Strength RatingExcellentExcellent
Google Play3.5/53.5/5
App Store1.6/51.6/5

Mercury home insurance review

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Mercury homeowners insurance coverage

Mercury offers its customers access to a limited number of home insurance add-ons. While the extra protections available with Mercury will be useful for many homeowners, they're not unique to the insurer. This means that homeowners could get more chances for customization elsewhere, while paying only slightly more expensive prices.

Homeowners insurance from Mercury Insurance can include:

Extended replacement cost:Provides policyholders with an additional 50% of coverage in excess of their dwelling coverage. The endorsement is meant to protect homeowners against the sudden rise in the cost of materials or labor that can occur when a lot of homes are damaged in the same area.

Service line protection: Provides homeowners with $10,000 of coverage for damage to exterior and underground service lines. Service line protection is an uncommon add-on, and it provides coverage for the following:

  • Pipes connected to a public water supply
  • Sewage piping that's linked to a public sewer
  • Ground loop piping
  • Piping that provides heating in the form of natural gas, propane
  • Piping that supplies compressed air
  • Power lines

Identity theft protection: Grants policyholders up to $25,000 in coverage for expenses that they incur as a result of identity theft. This endorsement, partnering with CyberScout, allows you to seek reimbursement for any of the following:

  • Lost income
  • Notaries
  • Attorney fees
  • Mailing costs
  • Loan application fees

Additional coverage for valuables: Increases the protection allotted to high-value items, such as jewelry, firearms, art and furs, which are only fractionally covered by a standard policy.

Mercury home insurance discounts

Mercury offers relatively few discounts to its policyholders. However, local agents may be able to find shoppers more discounts depending on their state. While it’s not technically a discount, Mercury’s policyholders can also lower their insurance rates by selecting a higher deductible. Otherwise, homeowners can save by:

  • Bundling home and auto policies with Mercury Insurance
  • Owning a home constructed with fireproof materials
  • Living in a home that's located within a gated community
  • Having a home with safety features, like alarms, deadbolts or sprinklers
  • Purchasing coverage for a new home
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Mercury home insurance rates

In a comparison of rates in one of Mercury's largest markets, we found that it offered the cheapest homeowners insurance for most people.

Mercury’s limited discounts mean that the quote that you receive is likely very close to what you’ll end up paying. But since the insurer's prices are low already, budget-conscious property owners who don't qualify for discounts could find Mercury to be an affordable option for home insurance.

A bar graph showing the cost of Mercury home insurance
A bar graph showing the cost of Mercury home insurance

How Mercury home insurance compares with its competitors

Insurance providerAnnual premium
Mercury$1,187
State Farm$1,550
Auto Club$1,600
CSAA$1,691
Farmers$3,026

Rates are for a home insured for $509,000 in California

Methodology

We obtained rates for varying levels of coverage using the profile of a 30-year-old man who drives a 2015 Honda Civic EX. We tested how the cost of car insurance changed by getting quotes for minimum and full coverage, as well as full coverage for someone with one prior accident. Our rates came from California, where Mercury comprises a significant portion of in-force policies.

For our homeowners review, we gathered rates from California for a home insured for $509,400 — the median value of a home in the state. This home measured 2,100 square feet and was constructed in 1979.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.