Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
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At a glance
3.6
Rating: 3.6 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 3.5 stars out of 5
3.5
Cost & ratings
Rating: 3.67 stars out of 5
3.7
Coverage
Rating: 2.5 stars out of 5
2.5
Support
Rating: 4.3 stars out of 5
4.3
Home
Rating: 3.6 stars out of 5
3.6
Cost & ratings
Rating: 3 stars out of 5
3.0
Coverage
Rating: 3.67 stars out of 5
3.7
Support
Rating: 5 stars out of 5
5.0
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Automobile owners, homeowners and business owners who prefer a smaller insurance company may find robust coverage options with Mercury Insurance.
Rideshare insurance coverage is available for as low as $0.90 per day
Offers a wide range of car insurance discounts
Coverage is limited to 11 states for auto insurance and 10 states for homeowners insurance
Auto
Avg. annual premium for full coverage
$2,338
Avg. annual premium for min coverage
$723
Home
Avg. annual premium for $300k dwelling coverage
$744
New
What’s new with Mercury?
Since late 2022, Mercury Insurance has introduced several new discounts and coverage options in multiple states. The new coverage options and discounts are for customers in Nevada, Oklahoma, Georgia and Virginia. New coverage options include matching of undamaged siding and roofing for homeowner policies, new green home coverage options and refrigerated food coverage.
Mercury Insurance has expanded its offerings in New Jersey, adding three innovative coverages and four new discounts designed to support environmentally conscious policyholders. This initiative follows similar updates in other states. The new options include green home coverage, which offers additional funds for eco-friendly replacements and matching of undamaged siding and roofing to maintain the aesthetic and functional consistency of homes after damage.
Additionally, Mercury has introduced discounts for homes with green certifications, renovations in mature homes, timely payments and those who pay their premiums in full. These changes aim to enhance the insurance experience by acknowledging and rewarding eco-friendly practices and renovations, ensuring policyholders not only receive protection but also contribute to a more sustainable future.
Mercury car insurance review
Mercury earned a Bankrate Score of 3.8 out of 5.0 for auto insurance. To determine this score, our team of insurance experts looked at customer satisfaction scores from J.D. Power, which provides annual reviews of insurance companies based on consumer feedback. We also considered AM Best financial strength ratings — an indicator of the financial stability of a company — as well as customer complaints filed with the National Association of Insurance Commissioners (NAIC) and average premiums from Quadrant Information Services. Lastly, we analyzed the range of available policy options and the ease of policy management.
Mercury offers all standard car insurance coverage types, plus rental car reimbursement and roadside assistance. If you’re a driver for Uber, Lyft or another app-based ride service, you may be interested in Mercury’s rideshare insurance, which covers drivers for as little as $0.90 per day, according to the company’s website. Mercury may also be a top choice for low-mileage drivers, who could save with RealDrive, a low-mileage insurance program with an advertised discount just for signing up.
Pros and cons of Mercury car insurance
Mercury offers the standard coverage types that many drivers need, but there are still advantages and disadvantages to choosing any insurer. Here’s what to consider if you’re thinking about selecting Mercury.
Pros
Rideshare insurance available
Local agents available in most states where Mercury writes policies
Optional roadside assistance coverage
Cons
No gap insurance available
Only available in a few states
No loyalty discounts
Mercury car insurance cost
The average rates for Mercury car insurance are slightly more competitive than the national average. Minimum coverage with Mercury averages $723 per year, compared to the national average of $800 per year. Similarly, Mercury’s full coverage costs $2,338 per year, on average, which is less than the national average full coverage premium of $2,685 per year.
However, auto insurance companies base rates on numerous factors. The price you pay may be more or less than these averages depending on your individual circumstances, such as your claims history, driving record and the types of coverage you choose to include in your policy.
How much is Mercury car insurance?
To determine average rates for specific driver profiles, Bankrate analyzed rate data provided by Quadrant Information Services. For instance, we examine average premiums offered to drivers with a clean driving record and those for motorists with a moving violation such as an at-fault accident or speeding ticket. Note that some insurance companies will not write policies for drivers with a history of DUI violations. If you have a DUI on your driving record, speak with a Mercury insurance agent to find out if you qualify for a car insurance policy.
Age is a factor insurance companies examine when determining premiums in most states. Statistically, young drivers under the age of 25 have more accidents than mature drivers. Young drivers who maintain a clean driving record typically see a rate decrease after age 25, However, young drivers on either their own or their parents’ policy will usually see higher premiums, including with Mercury car insurance.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
When shopping for car insurance, it's important to compare rates across different companies, as premiums can vary significantly based on several factors including location, vehicle type and coverage levels. In this section, we compare Mercury Insurance rates for both full and minimum coverage against 10 major insurers. This comparison will help you understand where Mercury stands in terms of pricing within the market. Keep an eye on the table below to compare Mercury's rates against other big-name insurance providers, to help determine which might be the cheapest option for you.
When shopping for insurance, third-party reviews and evaluations can help you determine which carrier can best meet your needs. Sources like J.D. Power, which surveys customer satisfaction from policyholders of top insurers, can assist in evaluating an insurer’s ability to provide good customer care and quality claims.
Mercury auto claims satisfaction
Mercury was included in the 2024 J.D. Power U.S. Auto Claims Satisfaction Study, but ranked below the industry average, with an overall customer satisfaction score of 663 out of 1,000, indicating customers may not be satisfied with its handling of auto claims.
Mercury auto insurance customer complaints
Additionally, our team looks at the NAIC Complaint Index, which reports how many complaints have been filed with the NAIC against a company and presents a score. A score of 1.0 represents an average, or baseline, number of complaints. Scores above the baseline reflect more complaints than average for insurers of comparable size, whereas scores below the baseline reflect fewer complaints than average.
For Mercury Insurance, the NAIC Complaint Index shows fluctuations over the past three years, suggesting varying levels of customer experience during this period. In 2021, Mercury's index was 1.18, indicating slightly more complaints than the industry average. However, in 2022, the index significantly improved to 0.25, demonstrating fewer complaints than typical for insurers of its size. This trend reversed in 2023, with the index rising to 1.66, reflecting more complaints than average. These figures suggest that while Mercury has had years of better-than-average complaint records, there are also periods where customer satisfaction could be improved.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.25 to 1.66.
End of interactive chart.
Mercury car insurance discounts
In addition to its competitive rates, Mercury Insurance offers car insurance discounts to help drivers save on premiums. Among them are a few that are particularly easy to qualify for, depending on your driving habits or vehicle features.
Keep in mind that discounts may vary by state. A local Mercury agent can help you determine which discounts you may qualify for, or you can fill out a quote form online and see which discounts apply automatically.
Anti-theft discount: If your vehicle is equipped with mechanisms such as a GPS tracker or car alarm, you may qualify for the anti-theft discount.
E-signature discount: Drivers could earn a discount by signing an online digital copy of their insurance documents online.
Multi-policy discount: Policyholders who bundle auto and condominium, home or renters insurance policies may qualify for a discount on their car insurance.
Multi-car discount: Drivers who have multiple vehicles on one policy could save on Mercury Insurance
Good driver discount: If you have any drivers on your policy who have gone for a prolonged period of time without getting a ticket or getting in an accident, you may be eligible for a discount.
Autopay discount: You can potentially save off your Mercury policy when you sign up for automatic payments
Good student discount: Students on your policy who qualify as a “good student” might help you save money on your plan.
Pay in full discount: When you pay for an entire auto insurance term all at once, you can save money in the long run. Plus, you won’t have to remember to make monthly payments.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Mercury
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Mercury home insurance review
Mercury home insurance offers the standard home coverage options, along with extended dwelling replacement cost coverage, identity theft protection and valuable items coverage. For home coverage, the company earned a Bankrate Score of 4.3 out of 5.0. Keep in mind that Mercury only writes homeowners policies in 10 states: Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia.
Pros and cons of Mercury homeowners insurance
It is important to research whether a home insurance company offers the coverage you need. Mercury homeowners policies offer useful coverage options, but it helps to know the provider’s pros and cons before making your decision.
Pros
Extended dwelling replacement cost coverage available
Valuable items coverage available
Protective devices and fire-resistance construction discounts available
Cons
Only available in 10 states
No loyalty discount available
24/7 customer service not available
Mercury home insurance cost
Mercury’s average annual home insurance premium is $744 for $300,000 in dwelling coverage. To compare, the national average cost of homeowners insurance is $2,267 per year for the same level of coverage. Keep in mind that many home insurance companies offer more optional coverage types than Mercury, which may be a tradeoff to consider when considering a cheaper home insurance company.
$150K dwelling
Mercury average premium
$485
National average premium
$1,370
$300K dwelling
Mercury average premium
$744
National average premium
$2,267
$350K dwelling
Mercury average premium
$829
National average premium
$2,534
$450K dwelling
Mercury average premium
$998
National average premium
$3,066
$750K dwelling
Mercury average premium
$1,517
National average premium
$4,399
*All rates displayed are average annual rates.
Compare Mercury homeowners insurance rates
When exploring your best homeowners insurance options, you’ll likely notice that rates can vary significantly from one insurance company to another. Mercury Insurance is just one of several providers we'll compare in the table below, which includes a total of 10 major insurers. This comparison aims to highlight how Mercury's rates for homeowners insurance stack up against other well-known companies in the industry. By examining these comparisons, homeowners can better gauge where Mercury stands in terms of cost-effectiveness and value in the broader insurance market.
The NAIC Complaint Index is a crucial metric when assessing an insurer's customer satisfaction. For Mercury's home insurance products, this index provides a snapshot of how the company fares in terms of customer complaints compared to the industry average. Over the past three years, Mercury's index scores have varied, showing a score of 1.04 in 2021, no complaints in 2022 and an increase to 1.59 in 2023, where a score of 1.00 represents the industry norm. This indicates fluctuations in customer satisfaction and complaint handling efficiency over time.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0 to 1.59.
End of interactive chart.
Mercury home insurance discounts
Mercury has a number of home insurance discounts available. Talk to your agent when you are going through the quote process to find out which discounts are available in your state. If you are a current policyholder, you can reach out to your agent to find out if there are any discounts that can be applied to your policy. Some of the discounts offered by Mercury include the following options:
Loss-free discount: If you haven’t filed a claim in three or more years before your Mercury policy’s effective date, you may qualify for a discount.
Water leak detection discount: This discount may be available to homeowners with automatic water shut-off systems or systems that notify a third party when a leak occurs.
Safety and security devices discount: Homes equipped with devices such as smoke alarms, sprinkler systems and burglar alarms might qualify for a discount.
New home discount: Purchase a home that is less than 10 years old, and Mercury might reward you with a home insurance premium reduction.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Mercury
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Mercury with other insurers
Insurance experts recommend shopping with a few insurance companies before deciding which one should earn your business. If you’re not sure about Mercury, consider these options:
Featured
Mercury
Rating: 3.6 stars out of 5
3.6
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Automobile owners, homeowners and business owners who prefer doing business with a smaller insurance company may find robust coverage options with Mercury Insurance.
Safeco Insurance offers many policy options and discounts for its policyholders. Like Mercury, tech-savvy policyholders may enjoy Safeco’s online capabilities. However, unlike Mercury, Safeco offers nationwide coverage. Safeco also offers more insurance products, including coverage for boats, classic cars, golf carts and recreational vehicles.
Similar to Mercury, Progressive offers a usage-based telematics program that may earn policyholders additional savings for practicing safe driving behaviors. But Progressive offers several other products, including dental, health, life, pet, travel and vision insurance for consumers who prefer using the same insurer for multiple needs.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Mercury a good insurance company?
Mercury offers a small portfolio of products, primarily for policyholders who need auto, home or renters insurance. AM Best gives the provider an A (Excellent) financial strength rating, which indicates it has historically been able to meet its claims obligations, an important measure for an insurance company.
The insurer offers all standard auto and home insurance coverage types, but some larger insurance companies offer more optional coverage and discounts. Some larger providers also offer health and life insurance products, along with financial services such as checking and savings accounts and investment products. However, if you only need car and home insurance policies and live in its service area, Mercury might meet your needs.
What are real-life customers saying about Mercury?
We've gathered feedback from real customers to provide a comprehensive view of Mercury Insurance. By exploring personal experiences shared on platforms such as Reddit and Trustpilot, we aim to offer a clearer picture of what you might expect when dealing with Mercury. It's important to note that individual experiences can vary widely, so these reviews help illuminate the range of interactions that customers have had with Mercury. This approach gives potential customers a more detailed understanding of Mercury’s service, directly from those who have interacted with the company.
Reddit
Reddit users offer mixed reviews about Mercury Insurance. One user expressed frustration after being asked to adjust their policy under confusing circumstances, including needing to add adult children as dependents who live out of state, only to face cancellation. Another user, however, had a positive experience with multiple claims being handled professionally and efficiently, highlighting helpful online agents and satisfactory resolutions.
Reddit user 1
Nov 1, 2023
I would avoid Mercury. We just switched to...
“I would avoid Mercury. We just switched to them about two months ago, and now switching again. They required me to remove one of my adult sons from my policy because he isn't in college. Then they said they were canceling me because I needed to have him on my policy.
They also said that my other adult son, who is overseas serving in the Army, also needs to be on my policy. Mercury considers them both household members even though they both have their own homes in different states.”
“I've had two to three claims with them my entire relationsihp with Mercury. All have been handled professionally, I was compensated when it was all concluded. Online agents are very helpful and quick. No complaints.”
Trustpilot reviews on Mercury Insurance also reveal mixed sentiments. One reviewer expressed severe dissatisfaction, describing their experience as "horrible" and noting that despite lower monthly fees, the service faltered significantly when it came to handling claims. Conversely, another user highlighted a positive experience, particularly appreciating the prompt and fair handling of claims despite high premiums due to frequent accidents, praising the company's customer service and the absence of hassle in their interactions.
Trustpilot user 1
Dec 1, 2022
Horrible experience with this company. Yes...
“Horrible experience with this company. Yes, they have lower monthly fees but this does you no good if something actually happens and you have to submit a claim. They will wrongfully deny your claim and then drop you due to damaged property if you don't pay out of pocket to fix it yourself. If you look at other reviews, it looks like this is a common practice with them. Also, their supervisors are incredibly condescending and rude.”
“My mom has been in multiple accidents so our premium is extremely high! How high? 5k+ annually. Last time she was in an accident, totaled the vehicle, and it was her fault. Mercury Insurance wrote us a 20k check so my mother can purchase a new vehicle. I have to give credit to Mercury Insurance for giving us excellent service. And yes we pay high premiums, but they always treat us fairly and customer service is superb. There's no hassle and headaches.”
Customer service: 1-800-503-3724 or fill out this form
Claims: 1-800-503-3724
Billing: 1-800-503-3724
Address: 555 W Imperial Hwy, Brea, CA 92821-4802
State availability
Mercury offers car insurance in 11 states: AZ, CA, FL, GA, IL, NV, NJ, NY, OK, TX and VA. Mercury offers homeowners in all the mentioned states except for Florida.
Mercury tools and benefits
Depending on their insurance needs, Mercury may be the right choice for shoppers looking for:
Business owners insurance: This provides coverage for property, business income, and ordinance or law to protect your company from complex exposures that you may face.
Renters insurance: This coverage may pay to repair or replace your possessions in the event of a covered loss. It may cover legal costs and/or medical expenses if someone sustains an injury in your rental property.
Mechanical protection: This coverage acts as an extended warranty on your vehicle and pays to cover certain repair costs if your vehicle breaks down.
Umbrella insurance: Mercury’s umbrella coverage provides between $1 and $5 million in additional liability to supplement an existing home or auto policy.
Mobile app: Mercury’s app is rated above 4 out of 5 stars in both the App App Store and Google Play Store, which is competitive compared to some other insurance apps. The app allows policyholders to manage their home and car insurance with ease, directly from their smartphone.
Home cyber protection: Home Cyber Protection may cover data losses from mobile devices and personal computers
Home systems protection: Home Systems Protection covers home appliances and electronics.
Identity management services: This could help pay expenses incurred by identity theft such as attorney fees, lost income and notary fees.
Frequently asked questions about Mercury Insurance
Mercury enables auto and home insurance policyholders to file a claim over the phone by calling its 24/7 hotline at 1-800-503-3724. Policyholders can also file a claim online by filling out the form on the carrier's website. A claims representative can also arrange for a tow truck and a rental car for auto claims, if needed.
Mercury sends care packages to service members overseas, builds homes in local communities, and donates technology to inner-city educational programs and humanitarian relief organizations.
In 2024, Mercury announced a partnership with UCLA Anderson Forecast to support research on the impact of climate change on the Californian economy. The company hopes to learn how to assist homeowners facing the impacts of catastrophic weather. Mercury also partnered with Tokio Marine America in 2024 to assist and provide coverage to Californian homeowners who were dropped by their home insurance companies.
Additionally, Mercury employees have access to the company’s well-being program, and the company works closely with city leaders to recognize people who have positively impacted their communities.
Mercury Insurance has an AM Best rating of A (Excellent). The highest rating that AM Best issues is A++ (Superior). AM Best rates the financial strength of an insurance company to determine the financial health of an institution and to identify any potential solvency issues. In essence, AM Best determined that Mercury Insurance has a strong balance sheet performance and strong operating performance.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Mercury
Mercury has 50 reviews
Dive into community reviews below and see what others think about Mercury.
4.3
50
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
86% of consumers recommend this insurer
Score breakdown
5 stars
42%
4 stars
44%
3 stars
14%
2 stars
0%
1 star
0%
Score by category
Overall rating4.3 / 5
Original cost4.0 / 5
Coverage4.4 / 5
Customer Support4.3 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Mercury.
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Lower rates than what I pay
Insurance Type
Auto
Score by category
Original cost2/ 5
Customer Support3/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They have always been easy to deal with and their prices seem fair.
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They are a little expensive but I had allowed my previous insurance to lapse.
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I mean it’s not bad just not the greatest
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support1/ 5
Coverage2/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
At the time I was soliciting quotes from multiple companies, Mercury was the lowest in price.
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They treat their customers fairly.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I liked how transparent they are about costs.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Their policies fit my needs perfectly.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I use them through an agency which is very proactive, helpful, and friendly. A person always answers the phone and takes care of issues right then
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
A good friend of mine recommended Mercury for insurance and I looked at reviews about them
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
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editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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