Mercury Auto Insurance Review

Rating: 8.1 / 10 (Excellent)
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Mercury Insurance is a direct provider of policies ranging from car to business coverage. Headquartered in Los Angeles and established in 1962, they aim to maximize service for minimal cost. In both 2016 and 2017, Mercury Insurance received awards from Forbes for being one of the most trustworthy financial companies and mid-size employers, respectively.

How is Mercury rated?


Coverage & Benefits
Pricing and Discounts
Financial Strength
Customer Experience

Overall Rating: 8.1 / 10 (Excellent)

Mercury offers the standard suite of coverage and discounts as do most of their competitors in the industry. However, they have received lower-than-average average ratings from several third-party financial and customer-centric institutions. We consider it best to evaluate and thoroughly research Mercury's quotes, in comparison with other offers, before making a final decision.

Mercury Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Coverage & Benefits - 8 / 10

Mercury’s coverage options are in line with what most other companies offer. These include bodily injury liability, underinsured motorist protection, collision, and comprehensive coverage. The company doesn't offer any additional benefits, unlike many of its competitors.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
NAIC Total Complaints 2016
*The NAIC Car Insurance complaint ratio (in this case 0.73) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Customer Experience - 7.5 / 10

Mercury has a commendable .73 complaint ratio, as well as an A+ Better Business Bureau rating. Unfortunately, the latter is contradicted by their twenty negative reviews.

Financial Strength

Key Details

Premiums Written 2016
Marketshare 2016
AM Best Financial Rating
Moody's Financial Rating
Standard & Poor's Financial Rating

Financial Strength - 8 / 10

Mercury does underwrite its own policies, but its low marketshare percentage and total annual premiums put its financial stability in doubt. It is rated Baa2 with Moody's and aa- with AM Best, both of which are lower than average scores, and an additional reason for concern.

Pricing & Discounts


  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Student
  • Bundled Policy

Additional Discounts

  • Group Savings (unions, etc)

Pricing and Discounts - 8.5 / 10

Insofar as pricing is concerned, Mercury’s discount options are relatively basic. As is typical for the industry, Mercury offers them for multiple cars, bundled policies, good students, safe drivers, and cars with anti-theft devices. They also offer certain rebates for member of certain organizations.

Contact & Additional Information

Homepage URL
Company Phone
(800) 503-3724
Headquarters Address
4484 Wilshire Boulevard, Los Angeles, CA, 90010
Year Founded

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Customer Comments & Reviews

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Genoveva S
San Diego, California
While I have Mercury, all the car accidents have to be paid by my side, it do not matter who's hit whom, even on my right to go it's my fault.

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