Mercury Insurance Company Review 2022

We've looked at over 1,000 insurance companies, rating them on strength, accessibility, and service to find the best ones. Here's what people think about Mercury Insurance.

Trusted Choice's Mercury Insurance Group Score:

4.5/5 stars

4.5 Stars


We award Mercury Insurance a final rating of 4.5 out of 5 stars. Mercury has been in the insurance industry for more than half a century now, which is certainly noteworthy. Though coverage is only available in 11 states, Mercury provides several insurance solutions for customers within those areas, including personal and business products. The carrier is highly rated by AM Best and the BBB and has demonstrated solid financial strength over the years. 

Mercury offers 24/7 claims reporting via phone and match-with-an-agent and request-a-quote services through their website. We also love that the insurance company works exclusively with independent insurance agents, to help their customers have the best experience possible from every angle. 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. 

  • Founded in 1962
  • Offers a variety of insurance products
  • Offers personal and business coverage
  • Coverage available in 11 states
  • “A” (excellent) rating by AM Best
  • “A-” (excellent) rating by Better Business Bureau (BBB)
  • Affordable premium rates
  • 24/7 claims reporting
  • Good customer feedback
  • Several discounts available

Mercury Insurance pros and cons:

Pros: 

  • More than half a century of experience in the insurance industry
  • High ratings through AM Best and the BBB
  • Offers several coverage options 
  • Offers 24/7 claims reporting via phone
  • Several discounts available
  • Good customer feedback
  • Reportedly lower premium rates than competitors

Cons:

  • Not a BBB accredited business
  • Coverage not available nationwide

Mercury Insurance was founded in 1962, giving the carrier six decades of experience in the insurance industry. The insurance company offers a sizeable catalog of coverage options for individuals and businesses, including umbrella insurance, homeowners insurance, commercial auto insurance, and more. The insurance company is headquartered in Brea, CA.

Today, Mercury offers its products in 11 states across the US. The carrier has more than 2,500 employees on its LinkedIn network. Mercury works exclusively with independent insurance agents, which helps to provide customers with a more personalized and complete experience while shopping for, and maintaining, their coverage.

Thanks to its history, amount of insurance in force, and catalog of coverages offered for individuals and businesses, Mercury has become known as a financially sound insurance company with a strong outlook for the future.

Mercury Insurance's Products by Type

Mercury offers a variety of coverage solutions for individuals and businesses. Their products include:

  • Homeowners insurance
  • Auto insurance
  • Renters insurance
  • Condo insurance
  • Business owners insurance
  • Business auto insurance
  • Landlord insurance
  • Umbrella insurance
  • Local insurance

Your independent insurance agent can help you decide if Mercury has the right type of coverage to best meet your needs.

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 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. But 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 that 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 auto insurance

Mercury Insurance'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. But it also comes with a few additional perks.

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. This coverage can help reimburse for treatment of injuries to you and/or your passengers, funeral expenses, or injuries to you as a pedestrian.

Uninsured/underinsured motorist

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

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 business auto insurance

Mercury Insurance's business auto policies offer a lot of the protections found in personal auto policies, but they're tailored to the needs of business vehicles. Standard collision, liability, and uninsured/underinsured motorist coverages are included, along with a few others.

Additional coverage types, features, and benefits:

Business auto liability

Mercury's business auto liability can help cover lawsuit costs if your business gets sued because one of your company's drivers caused an accident or other disaster.

Comprehensive

Mercury's comprehensive coverage can help reimburse your business for costs related to incidents with your company's vehicles other than collision, including windshield breaks, accidents with large animals, theft, and more.

Personal injury protection

Mercury's personal injury protection for business vehicles can help reimburse the costs of treatment for one of your company driver's injuries after an accident they were at fault for.

Your independent insurance agent can help you find more information about the coverage offered by Mercury Insurance, and help you decide if this insurance company is right for you.

What Discounts Does Mercury Insurance Offer?

Mercury offers many competitive discounts on its coverages, especially for auto insurance. These discounts include:

Mercury Insurance Discounts.
  • Anti-theft feature discount: Offered to auto insurance customers who install anti-theft devices in their vehicles.
  • Good student discount: Offered to auto insurance customers who are young drivers and do well in school.  
  • Multi-car discount: Offered to auto insurance customers who insure more than one vehicle through Mercury. 
  • E-signature discount: Offered to auto insurance customers who complete their important paperwork with E-signature. 
  • Good driver discount: Offered to auto insurance customers who remain accident-free and ticket-free for a specified amount of time.

An independent insurance agent can help you find more information about further discounts and additional ways to save with Mercury, as well as provide you with quotes and help answer any other questions you may have.

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Mercury Insurance Customer Service

Mercury allows its customers to file claims over the phone at any time. The carrier provides the following customer service options:

  • 24/7 phone claims reporting
  • Email
  • Online bill pay
  • Snail mail
  • Customer service department has the following hour restrictions:


Hours (PT)


Monday-Friday 5 am - 9 pm


Saturday 5 am - 9 pm

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 Customer Reviews

AM Best, the leading global credit rating agency monitoring the insurance industry, gives Mercury an “A” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from AM Best assure customers that Mercury is capable of offering guaranteed, secure coverage from a trustworthy and reputable insurance carrier.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. 

Consumer Affairs

“My husband and I have had Mercury Insurance for over 25 years, we have tried to see if any other companies that could beat Mercury’s pricing and none of the companies can. We also have our homeowners insurance with Mercury. Our rep. has been exceptional and have had excellent service for all these years.”

Consumer Affairs

“I believe the premium rates are among the lowest in the industry because there have been times I've compared. I have a very good driving record but when I had a collision recently that wasn't at fault, they were very prompt and dependable, and made sure I got the best outcome possible while seeming to care a lot about making sure any injuries I might have received attention and compensation. Their customer service is excellent.”

Consumer Affairs

“I have been with this insurance company more than 10 years and they have always taken great care of me with great service, kindness, professionalism, and have handled all my issues with concern and care.”

Clearsurance

“Recently was in an at-fault accident, and Mercury handled everything for me quickly! Fastest claim I've ever had."

Better Business Bureau

“I had a claim and the adjuster we had was professional and he knew what he was talking about. Brian J adjuster was a great adjuster. We have been with Mercury almost 10 years and had no problems. Mercury Insurance is a good company."

Mercury Insurance FAQ

Mercury allows customers to file claims at any time over the phone. The carrier’s official website states that customers will be assisted with claims within “no more than 15 days” after filing, and a final verdict will be reached within “no more than 40 days.”

Mercury’s phone line for customer service issues is available at generous hours on weekdays and even additional hours on Saturdays. The insurance company allows customers to file claims over the phone at any time. The carrier also has a comprehensive social media presence on Facebook, Twitter, Instagram, and LinkedIn, which makes them even more accessible to customers.

Mercury allows customers to file claims through a couple of different media. The carrier’s official website, however, does not outline a specific claims process beyond how to file and the information needed when you do so. If customers have questions about the claims process, they can reach out to their independent insurance agent or contact the carrier directly. An independent insurance agent can also file claims directly through the carrier for you.

Mercury’s website is highly intuitive and easy to navigate. Pages are fleshed out well enough to provide satisfactory details for customers, and important information is simple to locate. Mercury’s website would benefit from adding a detailed claims process, however. The insurance company offers several modern customer service options such as weekend customer service hours, plus get-a-quote and find-an-agent online features. The carrier 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 has been around for more than half a century now. The insurance company is highly rated by AM Best and the BBB. Mercury also provides a sizeable 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 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.

Mercury does not publicly advertise their coverage premium rates for home insurance, even on their official website. To get exact quotes for home insurance or any other coverage available from Mercury, work together with an independent insurance agent.

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https://www.bbb.org/us/ca/brea/profile/insurance-services-office/mercury-insurance-group-1126-1015694/customer-reviews

https://www.consumeraffairs.com/insurance/mercury.html?#sort=recent&filter=5

https://clearsurance.com/insurance-reviews/mercury-insurance-group-5835ece073b103329e91abf0