Mercury Insurance Review

  • With an overall score of 4.2/5 in 2024, Mercury is an above-average insurance company.
  • Read more about Mercury's reviews, complaints and prices before you buy.
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Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Rating from The Zebra Question mark icon

Based in Los Angeles, Mercury is a multiple-line insurance company that places its focus on auto and homeowners insurance. The company expanded outside of California to offer coverage in 11 other states: Arizona, CaliforniaNevadaFloridaGeorgiaIllinoisTexasOklahomaVirginiaNew Jersey and New York.

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4.2 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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Pros
  • MercuryGo telematics program

  • Bundling options

  • Rideshare coverage

Cons
  • Limited availability

  • Poor claims satisfaction rating


Is Mercury a good insurance company?

The Zebra's review primarily focuses on how well Mercury scores in terms of customer service. To determine this score we looked at the following third-party ratings.

Claims satisfaction (J.D. Power): Below average

  • Mercury received a Below average score for claims satisfaction from J.D. Power[1]

Customer satisfaction (J.D. Power): Above average

  • J.D. Power rated Mercury Above average in overall customer satisfaction[2]

Complaint Index: Below average

  • The National Association of Insurance Commissioners received Below average complaints than average regarding Mercury[3]

Financial strength: Excellent/Good

  • This rating from AM Best indicates Mercury's Excellent/Good financial health ensures a reliable ability to pay out insurance claims[4]

The Zebra Customer Satisfaction Survey

In addition to third-party ratings, we also incorporated the results from our own consumer survey where we ranked which car insurance companies are the best based on feedback from real customers. In this survey, Mercury scored 8.28/10 overall. While Mercury's overall score was strong, the company didn't make the top five of any particular category.



How much does Mercury insurance cost?

The national average for a 6 month car insurance policy is currently $880. The average for Mercury is about $1095 or roughly 24% expensive than a typical policy. While not one of the cheapest auto insurance options available, its prices are somewhat representative of what many reputable companies offer.

The table below shows how Mercury auto insurance compares against other top insurers.

Average Monthly Cost by Insurance Carrier
Company Avg. Monthly Premium
Allstate $201
GEICO $129
Mercury $182
Nationwide $123
Progressive $157
State Farm $131
Travelers $112

Similar to any insurance company, Mercury's auto insurance rates vary based on your age, but tend to get cheaper the older you get.

The following table shows Mercury's car insurance rates for varying age brackets.

Mercury Costs by Age Group
Age Group Avg. Monthly Premium
Teens $693
20s $260
30s $192
40s $176
60s $175
50s $168

The Zebra’s Dynamic Insurance Rating Tool data methodology — auto insurance

The auto insurance rates displayed throughout this page come from The Zebra’s Dynamic Insurance Rating Tool, a proprietary insurance premium estimator that uses the most recent rate filings across the United States at the ZIP code level to provide up-to-date rate data. Most insurance companies file car insurance rates one to two times a year. This data comes from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is programmed into The Zebra’s dynamic rating tool.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.

Discounts offered

Some standard discounts are offered by Mercury, and it's always smart to look into those for which you qualify. Keep in mind these discounts may vary by location.

  • Multi-policy: Bundle multiple policies from Mercury, like auto and homeowners, and you can get up to 15% off.
  • Multi-car: Add an additional car or two on the same policy to qualify for some savings via a multi-car discount.
  • Good driver: If you have a clean driving record, you might be eligible for a good driver discount on your Mercury insurance policy.
  • RealDrive® program: Get an introductory 5% off by enrolling in this program, which determines your rate based on the mileage you report to Mercury.

Along with what we've listed above, Mercury offers a number of other money-saving discounts that you could be eligible for, including those for automatic payment, good students and occupation-based savings. Take a look at more Mercury discounts here.

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What types of coverage does Mercury offer?

Another vital element of Mercury's review is the coverage that they offer. 

Mercury offers the standard suite of coverage options offered by typical auto insurance companies: comprehensivecollisionliabilitymedical paymentspersonal injury protection (PIP), uninsured and underinsured motorist coverage, and roadside assistance. Additional coverage options are detailed below.

  • Rental car coverage - A common addition to car insurance coverage plans, this covers rental car expenses in the event your vehicle is out of commission for repairs following a covered accident. Coverage limits range from $30 to $100 per day for up to 30 days.
  • Ride-hailing coverage - If you drive for a rideshare company, like Uber and Lyft, this offers additional coverage for the driver and passengers. Since your personal auto insurance policy will not cover commercial driving, rideshare insurance is a sensible option for rideshare drivers.

Read more about Mercury's coverages here.

mobile app

MercuryGo

MercuryGo is Mercury's usage-based program that measures your driving skill via a mobile app. Drivers can save up to 10% for signing up and up to 40% depending on their driving score. MercuryGO is currently only available in Arizona, Florida, Georgia, New Jersey, Oklahoma and Texas.


Mercury insurance review: Summary

Mercury is a well-reviewed insurance company that offers many types of coverage options somewhat affordable prices. The company's bundling options and telematics program give customers a lot of options in how they obtain coverage. Put simply, The Zebra believes that Mercury is a great option for a many customers.


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Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.


Mercury insurance: Frequently asked questions

In the eleven states it operates, Mercury Insurance is a good choice, particularly for bundling, telematics, or rideshare coverage. They boast above-average customer satisfaction despite a lower claims satisfaction rating. Though their premiums tend to be above average, a personalized quote based on your profile and coverage preferences might offer a better rate.

According to our data, Mercury premiums average higher than the national average. However, due to the personalized factors affecting car insurance, such as your driving profile, location, and selected coverages, Mercury might be more affordable for you compared to other insurers.

Mercury Insurance typically provides rental car coverage as part of its auto insurance policies. However, the specifics can vary, so it's recommended to review your policy or consult with a Mercury representative.

While Mercury's financial strength ensures an ability to pay out claims, Mercury is rated "below average" by J.D. Power for claims satisfaction.

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Customer Questions about Mercury

Other people are also asking...

Can I use my roadside assistance if I'm in my friends car?

Unfortunately, when you have roadside assistance through your auto insurance company, including Mercury, that service is only available for the vehicle that the coverage lists. However, there are other roadside companies (like AAA) that will allow you to use the program no matter whose vehicle you …
Feb 20, 2019 Stockton, CA

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.