Mercury Insurance Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Mercury Insurance Score
4.5 Stars
Mercury Insurance was founded in 1962, giving the carrier six decades of experience in the insurance industry. The insurance company offers a sizable catalog of coverage options for individuals and businesses, including auto insurance, homeowners insurance, commercial auto insurance, and more. The insurance company is headquartered in Brea, CA.
Today, Mercury offers its products in 11 states and works exclusively with independent insurance agents. It is a financially sound insurance company with an "A" (Excellent) rating from AM Best.
We award Mercury Insurance a final rating of 4.5 out of 5 stars. While coverage is only available in 11 states, Mercury provides several insurance solutions for customers in its service area, including personal and business products. The carrier is highly rated by AM Best and other financial ratings organizations.
Mercury offers 24/7 claims reporting via phone and match-with-an-agent and request-a-quote services through its website. We also love that the insurance company works exclusively with independent insurance agents to help its customers have the best experience possible. Further, there are tons of glowing customer reviews easily spotted across the web, and many include reports of Mercury having the most affordable coverage compared to its competitors.
Overall, we highly recommend looking into Mercury Insurance with your independent insurance agent to be your next trusted carrier.
Mercury Insurance Pros and Cons
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Mercury Insurance Products
Mercury offers a variety of coverage solutions for individuals and businesses. The carrier's products include:
Vehicle Insurance
- Auto insurance
- Umbrella insurance
- Mechanical protection insurance
Property Insurance
- Homeowners insurance
- Renters insurance
- Condo insurance
- Landlord insurance
- Umbrella insurance
Business Insurance
- Commercial auto insurance
- Business property insurance
- Commercial liability insurance
To find insurance in your state, use our national insurance company directory. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
| Insurance Type: | Home Insurance | Auto Insurance | Business Auto Insurance |
| Coverages offered: | Dwelling, loss of use, personal property, liability, extended replacement cost, guest medical protection, identity theft protection | Liability, comprehensive, collision, medical payments, uninsured motorist, personal injury protection, rental car | Liability, collision, comprehensive, medical, personal injury protection, uninsured motorist |
| Discounts available: | Multi-policy, newer home, gated community, protective devices, high deductible | Multi-policy, anti-theft feature, auto-pay, e-signature, good student, multi-car, etc. | Discount information not provided |
| Online quotes offered: | Yes | Yes | Yes |
| Required: | Maybe, by mortgage lender | Yes, specific coverage requirements vary by state | Yes, business vehicles are not covered by a personal auto policy |
Mercury Insurance Homeowners Insurance
Mercury Insurance offers homeowners insurance with all the standard protections you'd expect, including dwelling coverage, personal property coverage, additional living expenses coverage, and personal liability coverage. And it also comes with a few additional perks.
Additional coverage types, features, and benefits
Extended replacement cost
Mercury's extended replacement cost increases your coverage by up to 150% of your homeowners insurance policy's dwelling limits. This extended coverage can further help you rebuild your home after a major covered disaster like a fire.
Guest medical protection
Mercury's guest medical protection can cover medical treatment for guests who get injured at your home. This coverage can help you avoid a lawsuit from your guest to recoup their treatment costs after an incident on your property.
Identity theft protection
Mercury's identity theft protection coverage can help reimburse you for costs related to an identity theft incident. These costs can include lost income, notaries, attorney fees, mailing costs, and loan application fees.
Mercury homeowners insurance average prices
We found Mercury's average annual cost of homeowners insurance for various dwelling coverage amounts.
| Dwelling Coverage Limit | Average Annual Home Insurance Cost |
|---|---|
| $150,000 | $804 |
| $250,000 | $1,049 |
| $350,000 | $1,308 |
| $450,000 | $1,584 |
| $750,000 | $2,512 |
Mercury Insurance Personal Auto Insurance
Mercury's auto insurance policies also include the standard coverages you'd expect to find, such as bodily injury liability and property damage liability, collision, comprehensive, and personal injury protection. The carrier also offers a few types of optional coverage.
Additional coverage types, features, and benefits
Medical payments
Mercury's medical payments option is available as a supplemental coverage to help reimburse you for medical expenses after an accident, regardless of who was at fault. However, medical payments are not offered in every state. This coverage can help reimburse you for treatment of injuries to you and/or your passengers, funeral expenses, or injuries to you as a pedestrian.
Uninsured/underinsured motorist coverage
Mercury's uninsured/underinsured motorist coverage can help reimburse you for the costs of property damage or medical treatment if another driver causes a collision with you and carries little or no auto insurance of their own.
Rental car reimbursement
Mercury's rental car coverage can help pay for a rental car if your own vehicle cannot be driven after a covered incident, like a collision.
Mercury auto insurance average prices
We found the average annual auto insurance costs from Mercury Insurance.
| Car Insurance Policy Type | Average Annual Car Insurance Cost |
|---|---|
| Minimum coverage | $625 |
| Full coverage | $2,143 |
What Discounts Does Mercury Insurance Offer?
Mercury offers many competitive discounts, including the following:
Auto Insurance Discounts
- Anti-theft feature discount: For auto insurance customers who install anti-theft devices in their vehicles.
- Auto-pay discount: Receive a discount for signing up for auto-pay of your car insurance policy.
- Good student discount: For auto insurance customers who are young drivers and do well in school.
- Multi-car discount: For those who insure more than one vehicle with Mercury.
- E-signature discount: For auto insurance customers who complete their important paperwork with E-signature.
- Good driver discount: For drivers who remain accident-free and ticket-free for a specified amount of time.
- Multi-policy discount: For customers who bundle a home, renters, or condo insurance policy with their Mercury auto insurance.
- Pay-in-full discount: Pay a lower rate if you pay your entire Mercury car insurance premium up front.
Homeowners Insurance Discounts
- Multi-policy discount: For customers who bundle Mercury home and auto insurance.
- Protective devices discount: For home insurance customers who install devices like smoke alarms, deadbolts, and burglar alarms in their homes.
- Fire-resistant construction materials discount: Receive a discount if your home is constructed with certain fire-resistant materials.
- Newer home discount: Receive a discount if your home is new construction.
- Gated community discount: For homeowners who live in a gated community.
- Selecting a higher deductible discount: Pay lower rates if you select a higher deductible on your Mercury home insurance.
Business Insurance Discounts
- Central station burglar alarm discount: Receive a discount if the area occupied by the Named Insured is equipped with an active central station burglar alarm. The entire building must be equipped to qualify for locations with building coverage.
- Restaurant franchise discount: Discount for restaurants where the Named Insured (franchisee) has a contractual agreement with the restaurant's corporate owner (franchisor).
- Loss free discount: Locations without losses or losses with less than $500 incurred within the last three years receive a discount.
- Multiple location discount: For policies with multiple locations on the same policy.
- Insured occupied discount: For locations with building coverage and the owner-occupied square footage is greater than 50%.
- Fire alarm discount: Receive a discount when the entire building is equipped with an active fire alarm system (Local, Central Station, or UL with certificate).
- Paid-in-full discount: Discount offered when the policy premium is paid in full.
- Good payer discount: Policyholders who make consistent, on-time payments receive a discount.
- Sprinkler discount: Receive a discount if the area occupied by the Named Insured is 100% sprinklered with a regularly maintained fire suppression sprinkler system.
- Years in business discount: For locations owned and operated by the Named Insured for two or more years.
An independent insurance agent can help you find more information about the discounts available from Mercury Insurance.
Connect with a Mercury Agent Today.
Shopping for insurance? Mercury has you covered.
Mercury Insurance Customer Service
Mercury allows its customers to file claims online and over the phone at any time. The carrier provides the following customer service options:
- 24/7 online and phone claims reporting
- Email/live chat customer service
- Online bill pay, ID cards, and more
- Phone customer service hours are not noted
The best way to handle your customer service needs is to work with an independent insurance agent. These agents help make customer service easier for you by handling claims and other concerns.
Mercury Insurance FAQs
Mercury does not promise a specific time frame for responding to and resolving claims. Here's what the company says on its website about its claims time frame.
"The time it takes to process your claim depends on its complexity. An insurer can process a simple claim relatively quickly, usually within a few weeks. However, a claim that involves multiple parties, disputes, or extensive damages can take several months to process.
When the insurer finally resolves your claim, they will either approve or deny it or provide you with a partial settlement.
- Approval: If the insurance company determines your claim is valid and covered by your policy, they will approve it. Once approved, they will work on settling the claim.
- Denial: If the insurance company finds that your claim is not covered or you’re not entitled to compensation, they will provide a written explanation for the denial. You can dispute this decision, but this may prolong the process.
- Partial Settlement: Sometimes, the insurance company may partially approve your claim. This can happen when they agree to cover certain aspects of the claim but not others. For example, they may approve vehicle repairs but deny a medical expense claim."
Mercury is available for customer service and claims reporting 24/7. Contact can be made by phone, online, email, mail, or live chat. The carrier also has a comprehensive social media presence on Facebook, X, Instagram, and LinkedIn, which makes it even more visible to its customers.
Depending on the insurance product, Mercury's policyholders can typically file a claim online or by phone, 24/7. The public website outlines the process clearly for auto, home, and business insurance claims and provides tips about what information to gather and what to expect.
Mercury’s website is highly intuitive and easy to navigate. Important information is easy to locate, and individual pages contain useful information that is clear and easy to read. The insurance company offers several modern customer service options, such as weekend customer service hours, 24/7 availability online and via live chat, and get-a-quote and find-an-agent online features.
One feature that we have not seen elsewhere is the ability to locate your claim representative online. This is an exciting and time-saving option that every carrier should offer.
Mercury Insurance works exclusively with independent insurance agents to ensure their customers are taken care of as much as possible. Mercury also has a strong presence on social media, overall making for a very user-friendly experience.
Mercury Insurance has been in business for more than half a century. The insurance company is highly rated by AM Best, indicating it is financially strong and well-positioned for the future. Mercury also provides a sizable selection of coverage options for individuals and businesses.
The carrier provides a highly user-friendly experience for its customers and works with independent insurance agents. All together, Mercury Insurance can indeed be considered a good insurance company.
Prospective customers who want a policy that offers extra coverage options that they might not find from other carriers will benefit from Mercury's home insurance policies. Mercury's home insurance policies are also a good match for folks looking to save as much money as possible on their premiums, thanks to the carrier's many discount options.
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