Mercury Car Insurance

4.2 1,328 reviews
You're shopping in zipcode 79504 Change

Ratings

InsurifyComposite Score
U.S Auto Insurance Shopping Study (2018)
Options Results
Policy Offerings The rest
Pricing The rest
Local Agent The rest
Overall Satisfaction The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Results
Rental Experience The rest
Estimation Process About average
Overall Satisfaction The rest
Claim Servicing The rest
First Notice of Loss (FNOL) The rest
Repair Process About average
Settlement About average
J.D. Power Ratings by Region (out of 1000)
Region Ratings State Average
Florida 808 The rest
California 795 The rest
Mercury Mobile App Ratings
Brand Ratings User reviews
Android
Full Star Full Star Half Star Empty Star Empty Star 2.9
161
Financial Ratings
Company Name Ratings
A.M. Best A+
Fitch A
Moody's A2

Discounts

The largest discounts from Mercury are: Good Credit Discount, Multiple Vehicle Discount, Good Driver Discount

Discount Type Discount %
Good Credit Discount up to 73%
Multiple Vehicle Discount up to 26%
Good Driver Discount up to 18%
Student Away at School Discount up to 10%
Good Student Discount up to 10%
Multiple Policy Discount up to 10%
Anti-Theft Device Discount up to 5%
Passive Restraint Discount up to 5%
Organization Discount Varies
Low Mileage Discount Varies
VIN Etching Varies
Senior Adult Discount Varies
Occasional driver discount Varies
Professional organization discount Varies

Payment Methods

  • Complete Tick Online Payment
  • Complete Tick Phone Payment -IVR
  • Complete Tick Mail Payment
  • Complete Tick Person 2 Person Payment

Features and Services

Mercury has been offering its customers exceptional service for over 50 years. They provide claim handling service and roadside assistance 24 hours, 7 days a week. Customers can manage their accounts online to make payments, file a claim, contact their agent, request policy changes, and much more.

  • Roadside assistance Roadside assistance
  • 24/7 service 24/7 service
  • Online account management Online account management

Optional Coverage

  • Complete Tick Rental Reimbursment
  • Complete Tick Road Side Assistance

Mercury provides Uber and Lyft driver insurance in the following states:

Mercury Insurance Products

A Mercury home insurance policy protects more than the structure of your house. It also provides coverage for you, your guests, and your personal belongings. 

Mercury allows you to build a custom policy from their numerous coverage options:

  • Dwelling Protection: Covers damage to your home due to fire, lightening, smoke, storm damage, or other similar perils.
  • Personal Property: Pays to replace or repair your household items in the event of a fire, theft, or other covered loss.
  • Extended Replacement Cost: Provides additional coverage to rebuild your home in the event of a total, covered loss.
  • Additional Living Expenses: Pays for living expenses, such as hotel stays, if your home becomes uninhabitable after a covered loss.
  • Personal Liability Protection: Covers bodily injury or property damage caused to others while on your property.
  • Guest Medical Protection: Pays medical expenses of guests who are accidentally injured while on your property.
  • Identity Theft Protection: Pays for costs related to criminal identity theft.
  • Additional personal property: Covers valuables, such as antiques, fine art and jewelry.

Mercury offers a variety of car insurance coverages to protect you, your passengers, and other drivers on the road. 

Standard coverage includes:

  • Liability
  • Collision
  • Comprehensive
  • Medical
  • Personal Injury Protection (PIP)
  • Uninsured/Underinsured

Optional coverages offered by Mercury include:

  • Rental car reimbursement
  • Roadside assistance 

Mercury offers insurance options to fit the specific coverage needs of a condo owner. 

Mercury allows you to build a custom policy from their numerous coverage options:

  • Personal Property: Pays to repair or replace household items damaged in a fire, theft, or other covered loss. 
  • Additional Personal Property: Provides additional coverage for valuables, such as antiques, fine art, jewelry and more.
  • Improvements: Covers fixtures and improvements you’ve made to your condo unit, such as cabinets, flooring and lighting, as well as other free standing structures that aren’t covered by your condo association’s policy.
  • Loss Assessment: Covers your share of repairs to common areas damaged in a loss covered by your association’s master policy. 
  • Additional Living Expenses: Pays for living expenses if your condo becomes uninhabitable after a covered loss.
  • Personal Liability Protection: Pays for bodily injury or property damage to others while on your property.
  • Guest Medical Protection: Covers medical expenses for your guests who are accidentally injured while on your property.
  • Workers’ Compensation: Covers medical expenses for your personal part-time employees, such as nannies or maids, who are injured while on the job.
  • Condos Rented to Others: Provides liability and contents coverage when you rent your condo unit to others.

Mercury offers insurance coverage whether you rent a home, condo, or apartment. You can customize your renters insurance policy to include:

  • Personal Property: Pays to replace household items destroyed in a covered loss, such as a fire, theft, etc. 
  • Additional Personal Property: Extra coverage for valuable items like antiques, fine art, and jewelry. 
  • Personal Liability Protection: Covers bodily injury or property damage caused to others on your property. 
  • Guest Medical Protection: Covers medical bills for guests who are accidentally hurt on your property.
  • Workers' Comp Coverage: Pays medical bills for your personal part-time employees, like nannies or maids, who are injured while working.

Mercury offers personal umbrella insurance for additional liability protection beyond your car or home insurance policy limits. In the event you’re found at fault for injuries or damages to others, protect yourself and your assets against lawsuits and defense costs. 

Mercury offers a variety of insurance coverages so you can build a policy as unique as your business. Mercury offers policies for businesses concerning apartment owners, commercial building owners (industrial, retail and office), metalworkers, mini storage, office risks, print and graphic design businesses, retail and service businesses, restaurants, and warehouses. 

Mercury offers the following policy options for your business:

  • Business Owners Policies (BOPs)
  • Commercial Property
  • Commercial Liability

Basic and additional policy coverages include:

  • Liability
  • Medical
  • Business income
  • Building ordinance
  • Damage to premises rented to you
  • Electronic data processing equipment
  • Employee dishonesty
  • Glass
  • Mechanical breakdown
  • Money and securities
  • Peak-season
  • Professional liability
  • Sewer backup
  • Signage
  • Valuable pagers and accounts receivable

A Mercury business auto policy is available to a number of industries that are dependent on vehicles, such as catering, construction, farming, office, pest control, retail, sales/marketing professionals, and wholesale. 

Whether your business drives passenger vehicles, vans, pickups and SUVs, flatbeds and stake trucks, box trucks, or refrigerator/utility trucks, Mercury has your covered. 

Design your own policy with the following basic coverage options:

  • Liability
  • Collision
  • Comprehensive
  • Medical
  • Personal Injury Protection (PIP)
  • Uninsured/Underinsured

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Company History

Headquartered in Los Angeles, California, Mercury Insurance Group was founded in 1962. Mercury offers "low rates, excellent coverage and a local agent who's there every step of the way". Mercury holds a JD Power and Associates rating of 3 out of 5 for overall customer satisfaction. They specialize in personal auto insurance, homeowner's insurance, to medical breakdown insurance.

Mercury Reviews

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Most Positive Review
By Lucy
November 30, 2017

Always very happy if their pront response and always looking after their clients Unfortunately I had the accidents but, I hope to one day go back to Mercury. Best company I got ever. Thanks so much for everything!

Most Critical Review
By Insurify User
January 26, 2016

We had no claims at all and yet our rate went up more than what we'd pay with a new company. Also, the reason we looked into a new company to begin with, was all the payment trouble with Mercury. We gave them all the bank account information they asked for over the phone, to automatically take payments from the account monthly. They sent us a notification saying everything was verified and we were good to go. Then, when our payment time came up the next month, we heard from them a week later saying we had to pay all kinds of extra fee's or they'd cancel our insurance. We called them to find out why and they said the bank account # they had was wrong. Clearly they took it down incorrectly over the phone and didn't actually verify it; as they'd said. In trying to get them to remove the fees and get it straightened out, some of the reps we encountered were extremely rude; and they never removed all the fees. Then, they said it could no longer be automatic and we'd have to pay another way monthly. After a couple months of that, we found that we could just pay the Full amount all at once. We had NEVER been offered this option before, or that is what we would have done from the beginning and avoided all the trouble. The big reason we didn't stay with them, was that they were so rude about something that was their mistake and we weren't told about all of our payment options up front.