Auto-Owners vs Mercury Car Insurance

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2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

Auto-Owners
86
What is this?

Insurify Composite Score

Mercury
81
What is this?

Insurify Composite Score

Auto-Owners VS Mercury
86
81
What is this?
User Ratings
OptionsAuto-Owners Mercury
Rating/Reviews
63 reviews
1,419 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAuto-Owners Mercury
Local AgentAmong the bestThe rest
Overall SatisfactionBetter than mostThe rest
Policy OfferingsAmong the bestThe rest
PricingBetter than mostThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAuto-Owners Mercury
Claim ServicingBetter than mostThe rest
Estimation ProcessBetter than mostAbout average
First Notice of Loss (FNOL)Better than mostThe rest
Overall SatisfactionBetter than mostThe rest
Rental ExperienceAmong the bestThe rest
Repair ProcessAbout averageAbout average
SettlementBetter than mostAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAuto-Owners Mercury
California--795 pt
The rest
Central847 pt
Better than most
--
Florida812 pt
About average
808 pt
The rest
North Central850 pt
Among the best
--
Southeast842 pt
Better than most
--
Mobile App Ratings
RegionAuto-Owners Mercury
Android
20 Reviews
161 Reviews
iOS
6 Reviews
--
Financial Ratings
OptionsAuto-Owners Mercury
A.M. BestA++A
Fitch--A
Moody's--A2

Auto Insurance Quotes

For Married Drivers

CityAuto-Owners Mercury
Austin--$74
Chicago$62$106
Philadelphia$68--
Phoenix$36$96
Santa Monica--$67

For Single Drivers

CityAuto-Owners Mercury
Austin--$81
Chicago$65$152
Philadelphia$68--
Phoenix$40$93
Santa Monica--$122

For Male Drivers

CityAuto-Owners Mercury
Austin--$77
Chicago$57$146
Philadelphia$65--
Phoenix$32$94
Santa Monica--$116

For Female Drivers

CityAuto-Owners Mercury
Austin--$78
Chicago$70$113
Philadelphia$71--
Phoenix$43$95
Santa Monica--$72

For Drivers with Speeding Ticket

CityAuto-Owners Mercury
Austin--$102
Chicago$97$174
Philadelphia$81--
Phoenix$56$114
Santa Monica--$134

For Drivers with No Speeding Ticket

CityAuto-Owners Mercury
Austin--$72
Chicago$56$119
Philadelphia$66--
Phoenix$34$91
Santa Monica--$86

For Drivers Age Between 18-40

CityAuto-Owners Mercury
Austin--$81
Chicago$65$150
Philadelphia$68--
Phoenix$40$92
Santa Monica--$136

For Drivers Age Between 40-65

CityAuto-Owners Mercury
Austin--$70
Chicago$57$103
Philadelphia$62--
Phoenix$32$90
Santa Monica--$60

For Drivers Age of 65+

CityAuto-Owners Mercury
Austin--$93
Chicago$84$147
Philadelphia$91--
Phoenix$49$123
Santa Monica--$67

For Drivers with Average Credit

CityAuto-Owners Mercury
Austin--$86
Chicago$78$134
Philadelphia$71--
Phoenix$49$103
Santa Monica--$83

For Drivers with Fair Credit

CityAuto-Owners Mercury
Austin--$84
Chicago$69$111
Philadelphia$81--
Phoenix$41$102
Santa Monica--$79

For Drivers with Good Credit

CityAuto-Owners Mercury
Austin--$74
Chicago$59$123
Philadelphia$60--
Phoenix$35$99
Santa Monica--$67

For Drivers with Excellent Credit

CityAuto-Owners Mercury
Austin--$67
Chicago$48$149
Philadelphia$61--
Phoenix$27$75
Santa Monica--$147

Quotes & Discounts

Discount typeAuto-Owners Mercury
Passive RestraintUp to 35%Up to 5%
Multiple VehicleUp to 31%Up to 26%
Student Away at SchoolUp to 25%Up to 10%
Multiple PolicyUp to 14%Up to 10%
PrepayUp to 14%--
Anti-Theft DeviceUp to 11%Up to 5%
Anti-lock BrakeUp to 10%--
Good StudentUp to 10%Up to 10%
Company CarUp to 5%--
Accident FreeVaries--
E-billingVaries--
EV/HybridVaries--
Good CreditVariesUp to 73%
Good DriverVariesUp to 18%
Mature driverVaries--
OrganizationVariesVaries
Paid in fullVariesVaries
Paperless documentsVaries--
teenSMARTVaries--
Federal Employee--Varies
Low Mileage--Varies
Occasional driver--Varies
Professional organization--Varies
Public Safety Professional--Varies
Senior Adult--Varies
VIN Etching--Varies

Payment Methods

Discount typeAuto-Owners Mercury
Automatic Online Payment
yes--
Mail Payment
--yes
Online Payment
--yes
Person 2 Person Payment --yes
Phone Payment
--yes

Features and Services

Features and ServicesAuto-Owners Mercury
24/7 serviceyesyes
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAuto-Owners Mercury
Antique or Collector Car Insurance
yes--
Comprehensive Claim Forgiveness
--yes
Gap Insurance
yes--
Glass Coverage yes--
Pet Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • Auto-Owners
  • Mercury
  • Both

SR‌-22 Insurance by State

  • Auto-Owners
  • Mercury
  • Both

Compare Insurance Products

ProductAuto-Owners Mercury
Car InsuranceCar Insuranceyesyes
Business InsuranceBusiness Insuranceyesyes
Commercial InsuranceCommercial Insurance--yes
Condo InsuranceCondo Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyes--
Renters InsuranceRenters Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Auto-Owners Reviews
  • Mercury Reviews
2.8
5 Stars
33 %
4 Stars
6 %
3 Stars
11 %
2 Stars
6 %
1 Star
43 %

Most Positive Review

By Dixie
Their staff is always friendly, answer all my questions, and I may stay with them. I'm just researching because my rates are so high. I can understand them raising my payments as I've had two accidents since December 19, 2016, but no one was hurt or killed (THANK GOD)it was my only accident in 73 years, damage to both vehicles was under $9,000. My second accident only involved me. Auto-Owners totaled my vehicle and paid me damages of $6206.80. Again, I can see where my rates would raise, I just didn't expect it to be what it is, so I thought I'd shop around.

Most Critical Review

By Donna
Claims Adjuster for 1 thing. Most of the time you can't get ahold of anyone at my agents office

All Reviews

Showing 1 - 10 out of 63 Reviews
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Read reviews that mention

Nancy Ferguson
We've had Auto Owners for home and auto for more than 10 years. Their rates have always been the lowest I've found for full coverages. We work with a local agent for questions and policy reviews who has been excellent. Claims go through the claims department and not through the agent. They also have been very responsive and helpful. This year, 2020, we had a significant increase in premiums. The reason given on the policy page was a reduction in credit score. Our score went down 10 points but is still in the 800's. I think it has more to do with our age but they won't say that. We don't have tickets and no accidents or claims for at least 5 years and we drive fewer miles now than ever before. We are getting a Covid19 rebate but as of now we don't know how much that will be. I always recommend Auto Owners to others and will continue to do so. I'm just a little disappointed that we aren't rewarded for being such a good customer.
Cherry
Regina, my Agent has been great, however wrong information was entered by Nexusis & my driving record incorrectly impacted, also Auto Owners rates are jumping outrageously, also I am being double invoiced for a policy which is currently paid through Dec 14, 2019. I don't know what is going on with Auto-Owners or with Clinard Insurance Agency. I do like the personal agent, Regina that has always helped me with my insurance.
Frank
Too difficult to deal with for claims. Charged my wife as responsible for an accident in a parking lot when her car was struck from behind. My car was totaled in another accident where I was rear-ended on an exit by a truck which pushed me into a van. AO hired an appraiser to get the value of my vehicle and then arbitrarily and unilaterally reduced the value given. I had been warned this would happen by another insured.
Betsy Heckert
Brittany S
Dean
No problems with it and it is cheaper than anything you offer for the coverage I get.
Nichole
Donna W.
On June 28, 2018, our boat dock on West Point Lake suffered severe storm damage from strong wind. Auto Owners' hired a engineer to inspect and he reported that the damage was caused from waves (which is not covered by our policy) instead of the obvious cause of wind (which is covered by our policy.) Not only is the lake too small to possibly have waves large enough to cause this kind of damage but we had a path of trees down through our property as a result of the strong winds during that storm. After several attempts to get the adjuster to reconsider their decision, we were forced to file claim in Magistrate Court. After four months of filing this claim and many hours preparing to present our case in court, the Judge found that it was obvious wind damage and ordered Auto Owners to pay the full amount of our claim. Their attorney stated they would consider an appeal so we had to wait another thirty days for them to pay. We are aware of others on our lake who were also denied their damage claims from Auto Owners but they (like most people) chose not to fight it. It is just not right for any insurance company to collude with engineers or contractors to prevent paying legitimate claims knowing that most people will not fight it. We have cancelled our home and auto policies with them as well as our commercial policies we have had with them for at least twenty years. No one should have to go through what we went through due to their unethical business practices.
TERRY
The claim process has been a disaster!
Debora
Good customer service.
Showing 1 - 10 out of 63 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.