Mercury Insurance review 2024
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At a glance
Score breakdown
Auto
3.8
Cost & ratings
4.3
Coverage
2.5
Support
4.3
Home
4.3
Cost & ratings
4.3
Coverage
3.7
Support
5.0
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
New
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 $625 per year, compared to the national average of $678 per year. Similarly, Mercury’s full coverage costs $2,143 per year, on average, which is less than the national average full coverage premium of $2,458 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.
|
|
|
---|---|---|
Good driver, good credit
|
Mercury full coverage premium
$2,143
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National full coverage premium
$2,458
|
Mercury full coverage premium
$2,918
|
National full coverage premium
$4,502
|
|
Mercury full coverage premium
$2,988
|
National full coverage premium
$2,975
|
|
Mercury full coverage premium
$4,074
|
National full coverage premium
$3,508
|
|
Mercury full coverage premium
$3,407
|
National full coverage premium
$4,713
|
Mercury car insurance quotes by age
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.
|
|
|
---|---|---|
Mercury full coverage premium
$4,299
|
National full coverage premium
$5,229
|
|
Mercury full coverage premium
$3,795
|
National full coverage premium
$4,501
|
|
Mercury full coverage premium
$4,769
|
National full coverage premium
$4,972
|
|
Mercury full coverage premium
$2,849
|
National full coverage premium
$3,031
|
|
Mercury full coverage premium
$2,356
|
National full coverage premium
$2,622
|
|
Mercury full coverage premium
$2,143
|
National full coverage premium
$2,458
|
|
Mercury full coverage premium
$1,879
|
National full coverage premium
$2,220
|
Compare Mercury car insurance rates
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.
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|
|
---|---|---|
$2,143
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$625
|
|
$3,060
|
$987
|
|
$2,418
|
$706
|
|
$3,081
|
$925
|
|
$1,992
|
$585
|
|
$1,934
|
$697
|
|
$2,688
|
$886
|
|
$1,996
|
$543
|
|
$2,127
|
$767
|
|
$1,775
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$463
|
Mercury customer satisfaction
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.
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.
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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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Powered by Coverage.com (NPN: 19966249)
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 $925 for $300,000 in dwelling coverage. To compare, the national average cost of homeowners insurance is $2,304 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.
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---|---|---|
$150K dwelling
|
Mercury average premium
$599
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National average premium
$1,406
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$300K dwelling
|
Mercury average premium
$925
|
National average premium
$2,304
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$350K dwelling
|
Mercury average premium
$1,036
|
National average premium
$2,571
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$450K dwelling
|
Mercury average premium
$1,253
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National average premium
$3,118
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$750K dwelling
|
Mercury average premium
$1,910
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National average premium
$4,549
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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.
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---|---|---|
$925
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- $1,379 |
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$1,984
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- $320 |
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$2,289
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- $15 |
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$1,451
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- $853 |
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$2,448
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+ $144 |
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$1,772
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- $532 |
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$3,567
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+ $1,263 |
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$1,698
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- $606 |
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$2,485
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+ $181 |
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$1,871
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- $433 |
Mercury customer satisfaction
When looking at Mercury insurance reviews, Mercury did not earn a ranking in J.D. Power’s 2024 U.S. Property Claims Satisfaction Study and it ranked near the bottom in J.D. Power’s 2024 U.S. Home Insurance Study. These third-party assessments typically offer valuable insights into a company's service quality and customer handling.
Mercury home insurance customer complaints
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.
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.
Powered by Coverage.com (NPN: 19966249)
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
Powered by Coverage.com (NPN: 19966249)
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
4.1
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
Cost & ratings 4.3Coverage 3.1Support 4.7 |
Safeco
3.8
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
Cost & ratings 3.1Coverage 5.0Support 4.0 |
Progressive
4.4
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
Cost & ratings 4.2Coverage 5.0Support 4.3 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Automobile owners, homeowners and business owners who prefer doing business with a smaller insurance company may find robust coverage options with Mercury Insurance.
Read More
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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.
Read More
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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.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Rideshare insurance available
Local agents available
Roadside assistance coverage
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Variety of coverage options
Claims-free cash back program
RightTrack discount program
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Snapshot telematics program
Name Your Price shopping tool
Online quotes
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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$2,143 | No rates available | $2,418 |
J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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830/1000 | 865/1000 | 870/1000 |
AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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$925 | No rates available | $2,485 |
J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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586/1000 | 594/1000 | 634/1000 |
AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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A(Excellent) | A(Excellent) | A+(Superior) |
Why you can trust Bankrate
Read our full methodologyOur insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Mercury insurance review.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
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 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.
Trustpilot
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.
Mercury company details
- Website: mercuryinsurance.com
- 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
Methodology
Auto
Bankrate utilizes Quadrant Information Services to analyze November 2024 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 coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.
Home
Bankrate utilizes Quadrant Information Services to analyze November 2024 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 levels:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000Additional profiles:
- Coverage A, Dwelling: $150,000, $350,000, $450,000
- Coverage B, Other Structures: $15,000, $35,000, $45,000
- Coverage C, Personal Property: $75,000, $175,000, $225,000
- Coverage D, Loss of Use: $30,000, $70,000, $90,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
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.
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Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 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 NAIC, were analyzed.
- 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 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 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 25 reviews
Dive into community reviews below and see what others think about Mercury.
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.
recommend this insurer
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.