As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

COVID-19 Update: Mercury is returning auto insurance policyholders 15 percent of their monthly auto insurance premiums in April and May.

Now more than ever, you could be saving on your auto insurance policy. To make sure your finances can carry you through this crisis, compare car insurance policies on Insurify today.

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Heaped with industry accolades, this company should be a shoo-in for car insurance shoppers, but less than glamorous customer service reviews may leave you guessing. 

Who Benefits Most and Least from Mercury Insurance?

Best For…

  • Drivers who favor an agent/policyholder relationship
  • Those with strong credit who want to be rewarded 
  • Uber/Lyft drivers searching for coverage

Not the Best For… 

  • People who prefer zero agent interaction 
  • Those for whom questionable customer service is a no-go
  • Policyholders who expect low-touch high-tech all the way 

Mercury Car Insurance: An industry-respected, informative insurer with some catching up to do

Claiming to save its policyholders “hundreds” upon switching, Mercury Insurance Group offers auto and other lines of insurance to those seeking auto, home, renters, and business protections.

Pros:

  • The company is financially stable.
  • Having an individual agent assigned to your policy means you have a name and a face to count on every step of the way.
  • Its website is extremely informative and provides readers with educational information regarding insurance as well as safety tips and articles relevant to auto insurance (including safety during a catastrophe and keeping teen drivers safe).
  • You can find a local agent quickly and easily either by calling Mercury Auto Insurance over the phone or entering your ZIP code online.
  • You can track your repairs online.

Cons:

  • Having to go through an agent may be time-consuming and a headache if you are used to doing everything online.
  • There’s a disparity between customer approval on its website and other review sites.
  • Its 11-state coverage area may not include yours.

Mercury Car Insurance Ratings

Insurify Composite Score: 81 out of 100
This score is the result of analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews.

U.S. Auto Insurance Shopping Study (2018)

OptionsResults
Overall SatisfactionThe rest
Local AgentThe rest
PricingThe rest
Policy OfferingsThe rest

U.S. Auto Insurance Claims Satisfaction Study (2018)

OptionsResults
Overall SatisfactionThe rest
Repair ProcessAbout average
Claim ServicingThe rest
SettlementAbout average
Rental ExperienceThe rest
Estimation Process About average
First Notice of Loss (FNOL)The rest

J.D. Power Ratings by Region (out of 1,000)

RegionRatingsState Average
Florida808The rest
California795The rest

Financial Ratings

Company NameRatings
A.M. BestA+
FitchA
Moody'sA2

Mercury Car Insurance Quotes and Discounts

Making the assumption that all auto insurers are the same is a big mistake and can cause you to burn unnecessary cash or miss important saving opportunities. The truth is that insurance companies’ offerings can vary wildly in price, coverage, and discounts. 

And no one’s going to present you with the perfect, most personalized insurance package—you’ve got to look for it yourself. But pinning down your best policy couldn’t be easier these days since you can now compare quotes and discounts of all the major (and minor) insurance carriers in seconds at Insurify.

Auto Insurance Quotes Comparison: Mercury vs. Competitors

Insurify’s data team compiled car insurance quotes from Mercury, GEICO, and Progressive to see how Mercury stacked up to its competitors.

Here are the quotes for a 42-year-old female in San Jose, California, with a clean driving record. 

Insurance companyQuote
Mercury$45/month
GEICO$41/month
Progressive$63/month

These would be the driver’s quotes if they were to get a speeding ticket for driving at 75 mph in a 50 mph zone:

Insurance companyQuote
Mercury$58/month
GEICO$59/month
Progressive$75/month

And these would be the driver’s rates for Mercury, Progressive, and GEICO if they were to have an at-fault accident: 

Insurance companyQuote
Mercury$64/month
GEICO$41/month
Progressive$63/month

Mercury’s rates are on par with those from Progressive and GEICO for the most part. While Mercury offers lower rates than Progressive does for drivers with a clean record or a speeding ticket, it has higher rates than both Progressive and GEICO for drivers with an at-fault accident. 

Of course, this data pertains to just one type of driver profile and location. Insurance rates broadly vary based on your sex, gender, driving history, neighborhood, and even your ZIP code. Given this, it’s impossible to bank on any one company to always give you the lowest rate. 

Consider using a quotes comparison website like Insurify, which lets you compare quotes between up to 20 different insurance companies. All you have to do is put in your basic driving information, and you can compare and customize your insurance rates within minutes!

Drivers Can SAVE with these Discounts from Mercury

At Mercury Auto Insurance, good things come to those with good credit. Here, you’ll get a discount of up to 73 percent if you’ve made a habit of keeping your financial ducks in a very neat row. 

You’ll also score great discounts for insuring multiple vehicles with Mercury and for having (or being) a top-notch student. And Mercury will give you five percent off automatically just for signing up for RealDrive®, a program that takes the distance you drive into consideration for even more discounts. 

Good Credit Discountup to 73%
Multiple Vehicle Discountup to 26%
Good Driver Discountup to 18%
Good Student Discountup to 10%
Student Away at School Discountup to 10%
Multiple Policy Discountup to 10%
Anti-Theft Device Discountup to 5%
Passive Restraint Discountup to 5%

Mercury also offers discounts to members of certain organizations, public safety professionals, government employees, policyholders who use auto-pay, and those who pay for their policy in full. Check with a Mercury agent to see which discounts you might be eligible for. 

States Where Mercury Car Insurance is Offered

Mercury Auto Insurance isn’t offered everywhere. Still, you can secure a private passenger policy and some or all of its other offerings in California, Arizona, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.

Mercury offers “ride-hailing” insurance (coverage for Uber/Lyft drivers) in California, Arizona, and Nevada while providing commercial auto insurance in all of its coverage states except New York and New Jersey. Mercury’s Mechanical Protection packages are available in all 11 covered states.

As Mercury insurance is sold by independent agents, the list of products sold also vary by agent (even if the agents are in the same state). 

Click here to find the cheapest car insurance quotes in your state.

Mercury Auto Insurance Coverages

There are lots of pieces that make up a complete insurance package. 

Each piece belongs in one of two buckets: the no bones about it have-to-have minimum coverage required by your state, and the extra, hope-I-have-in-the-event-that-this-thing-happens coverage. You know, for when that flying object hits your windshield kind of day. 

Mercury Auto Insurance has a whole host of bare-minimum and cherry-on-top offerings for you to choose from depending on your unique financial situation and personal preference:

  • Liability Protection
  • Collision Coverage
  • Comprehensive Coverage
  • Personal Injury Protection
  • Rental Car Coverage
  • Medical Payments Coverage
  • Uninsured/Underinsured Motorist Coverage

Read more about these common components of your car insurance coverage here. 

Other Special Auto Coverages Offered by Mercury Insurance

If you are looking for an insurer who offers more than just the auto coverage basics, Mercury Insurance provides healthy side helpings of other auto-related coverages including:

  • Roadside assistance: or when you are stuck and need a rental car or a tow
  • Ride-hailing (Uber/Lyft driver) coverage in Nevada, California, and Arizona, for those taking on passengers as a side-job or as their primary source of income.
  • Mechanical breakdown protection: No warranty or warranty about to expire? Mechanical Protection is a policy offered by Mercury that covers the unexpected and usually expensive costs of your car breaking down.

Read more about commonly added special auto insurance coverages here. 

Other Insurance Products Offered by Mercury Insurance

If you’re thinking about sending your homeowners or renters insurance business to Mercury in addition to auto, you’re thinking like a winner. Bundling another policy with your auto policy will earn you at least a 10 percent discount. 

See all other insurance coverage options offered by Mercury Insurance in the list below: 

    • Home insurance (Mercury Home Insurance is not available in Florida)
    • Condo insurance (excluding Florida)
    • Renters insurance (excluding Florida)
    • Personal umbrella insurance (excluding Florida, Nevada, New Jersey, New York, and Virginia)
    • Commercial automobile insurance
    • Business insurance (Oklahoma and Texas only)

How Can I Buy Auto Insurance from Mercury?

Mercury Auto Insurance is sold through local, independent agents, whom you can call for a quote. Finding them is a little bit tricky on its official site, but doable if you know where to look.

  1. Click “Find an agent”
  2. Check “Auto”
  3. Enter a zip code
  4. Click “Find a local agent

For the Georgia ZIP code “31909,” the Mercury Auto Insurance website returned the following:

 

You can also simply browse all agents by state.

If you’d rather get a quote online before speaking to an agent directly, you can get a quote in seven minutes or less, according to Mercury, by completing some information about your vehicle, yourself, and any other drivers on its site. You can also call 1 (866) 889-5074 and enter your ZIP code to be connected to the agent closest to you.

Don’t want the hassle of entering your personal information on multiple insurance sites to compare quotes? The quickest and easiest way to compare real quotes on your own is to begin with Insurify to build your dream policy in a single sitting.

How Can I Pay for My Mercury Car Insurance Policy?

Mercury allows customers to manage their policy (including payments) online through its Customer Portal. From the portal, you can make a one-time payment as a guest or set up a recurring payment online after first registering, then logging on to your account. 

Here are some additional ways you can pay your Mercury Auto Insurance policy:

  • Pay over the phone by calling 1 (800) 503-3724, available Monday to Friday between 5:00 AM to 6:00 PM PT and Saturday 8:00 AM to 5:00 PM PT (24/7 automated billing is available in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia).
  • Mail a check or money order to:
    Mercury Insurance Group
    P.O. Box – 11991
    Santa Ana, CA 92711
  • Visit one of the seven California payment centers to pay in person

Don’t forget—you can enjoy additional discounts from Mercury Auto Insurance by paying in full and/or by paying your bill on time!

How Often Will Mercury Increase My Premiums?

Most insurance companies review coverage at your renewal period to determine if your premium should go up. If you have had an accident or made a claim before your renewal, your premiums could indeed go up. Unlike some companies who offer accident forgiveness, Mercury does not…so be careful not to assume that it’ll give you a break there.

According to the official Mercury blog, here’s an idea of what kinds of claims can trigger an increase in your premiums:

  • An accident that involves property damage and is your fault 
  • An accident that involves bodily injury and is your fault. In this scenario, you could see your rates increase by 20 to 25 percent.

How Does Mercury’s Claims Process Work? 

Day or night, you can get a claim started with Mercury by calling its “claims hotline” at 1 (800) 503-3724. Here’s what happens next:

A customer service representative will collect information about the incident—and record it so you don’t have to repeat yourself again (sweet).

The representative will explain your existing coverage to you (don’t be shy in asking questions if you have to).

You will then be directed to a preferred body shop (which is essential to use if you want the work guaranteed by Mercury, as long as you own your car). 

If need be, the representative can arrange to have your car towed, make a rental reservation for you, or refer you to a rental car partner. 

Would you rather find a preferred shop in your own time? Mercury allows you to not only search preferred body shops online but also the ability to track repairs online.

As for the timeline in which a claim must be processed, it varies by state. 

Besides recording your claims conversation to preserve relevant information and alleviate the confusion that might cause delays, Mercury also suggests that its policyholders review and complete this collision checklist to make for a more successful and swift claims process.

How Can I Cancel My Mercury Car Insurance Policy?

Although canceling your policy with any insurance company should be easy, according to many Mercury policyholder comments, it isn’t. To cancel, you must call your independent agent. Only when the cancellation is verified by Mercury is the cancellation valid (although you can email Mercury for customer service questions, you cannot officially discontinue your car insurance this way). 

From the sound of it, being dependent on an agent to process the cancellation can be quite a hassle—which is not uncommon in any independent insurance agent setup. But be warned that you should keep your current insurance relationship intact until you have another policy firmly in place, or you could face a lapse in coverage and possibly a financial nightmare should you get in a pickle. 

The easiest, quickest way to compare car insurance quotes and get set up with a company you like is by leveraging the data-crunching resources of Insurify

How Much Does Uber/Lyft Coverage Cost with Mercury?

In January 2016, Mercury Auto Insurance added itself to the shortlist of insurers providing rideshare or “ride-hailing” insurance to those driving for transportation network companies (TNCs) Uber and Lyft. Currently, the company writes insurance policies for Uber and Lyft drivers in California, Arizona, and Nevada for as little as 90 cents per day.

If you prefer to stay with your current insurer and add Mercury ride-hailing insurance to your for-business excursions only, you can. The way it works is that your ride-hailing insurance kicks in only when your ride-sharing app is turned on. In between the time you signal your availability and accept a passenger, Mercury offers varying degrees of ride-hailing coverage and reverts to your personal auto coverage once the app is turned off.

Insurance Companies Similar to Mercury

Like the look and feel of Mercury discounts but don’t live within their 11-state coverage area? Your good credit can get you similar discounts with Progressive, which actually offers a good credit discount of up to 84 percent (that’s 11 percent more than Mercury). And Progressive is available in all 50 states.

According to Insurify’s internal database of over 2 million car insurance applications and analysis of external sources, drivers most often switched to Mercury and left to the following companies:

  1. GEICO
  2. Progressive
  3. Esurance
  4. Allstate
  5. AAA

And here’s who drivers most often switched to if they weren’t satisfied with Mercury: 

  1. Clearcover
  2. Progressive
  3. Infinity
  4. Bristol West
  5. Elephant

Mercury Car Insurance Customer Satisfaction and Policyholder Reviews

Even though Mercury has been heaped with industry accolades for financial stability, customer service complaints stack up pretty high if you do a quick search online. Here are a few from the Better Business Bureau and Consumer Affairs:

In all fairness, people who write reviews do so more often when they want to complain. Unsurprisingly, you can read some of the more complimentary reviews Mercury has collected on its website.

Mercury Mobile App Review

The only mobile app Mercury Auto has at this time is its Mercury Portal (for managing your policy, including making payments), which can be downloaded to your tablet or phone. This app essentially mirrors the desktop version of the portal and is said to be glitchy and slow. Some consumers have suggested that using your mobile browser instead of the app is a better workaround. 

App storeRatings (Out of 5)User reviews
Mobile App (Android) 2.258

Frequently Asked Questions: Mercury Car Insurance

Is Mercury Auto Insurance available in all 50 states?

No, Mercury Auto Insurance is available in the following 11 states: California, Arizona, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.

Does Mercury Auto Insurance offer a telematics app I can use with my teen driver?

Mercury Auto Insurance doesn’t currently offer any telematics apps, though it does provide a good student discount and also offer a collection of articles online aimed at teen driver safety.

Does Mercury Auto Insurance provide the same discounts as Progressive or GEICO?

While Progressive shares its Good Credit discount and GEICO also offers discounts for government employees, the percentages vary between providers and no two providers match discounts exactly. With all of these variances, the best way to make apples-to-apples, side-by-side comparisons is to search multiple providers at the same time using Insurify.

How do you know if Mercury is the cheapest car insurance in your area?

Sure, you can name a few of the big guys as well as those with clever ads on radio and TV, but are you aware of every insurer (large and small) in your area? 

Compare all insurance quotes in one place in less than two minutes at Insurify to be sure you are getting the cheapest insurance rate in your neck of the woods.

Mercury Auto Insurance Overview

Named for the Roman god of business and merchants, Mercury Insurance Group was founded in 1962, was named one of “America’s 50 Most Trustworthy Companies” by Forbes Magazine in 2015, and has a financial strength rating of “A” from A.M. Best and Fitch (both industry-recognized rating agencies). As legitimate as Mercury is, its Achilles heel seems to be in the areas of customer service, and the company is not as technologically equipped as some of its competitors.

Though its website is very informative and educating its consumers seems to be at the heart of what the company is about, complaints about rude agents and a difficult claims process are hard to ignore. There appears to be a disparity between industry accolades and the word on the street, which means you should probably look closely into this for yourself or at least keep in mind as you compare.

Mercury Contact Information

Mercury Auto Insurance makes it easy for you to manage contact numbers as there are only a few you need to know. For policy changes, policyholders are encouraged to call their agent, while checking up on repairs or claims progress can be performed online or by calling Mercury directly. 

Mercury Auto Insurance quote line1 (866) 889-5074
Mercury Auto Insurance claims service1 (800) 503-3724
Mercury Auto Insurance customer service1 (800) 503-3724
Mercury Auto Insurance customer serviceOnline form
Mercury Auto Insurance headquarters address1700 Greenbriar Lane
Brea, CA 92821
Mercury Auto Insurance payment phone number1 (800) 503-3724
Mercury Auto Insurance payment addressMercury Insurance Group
P.O. Box 11991
Santa Ana, CA 92711
Mercury Insurance websitemercuryinsurance.com

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Updated May 10, 2020

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.