Mercury Insurance Company Review 2023

Trusted Choice's Mercury Insurance Group Score:

4.5 Stars

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We award Mercury Insurance a final rating of 4.5 out of 5 stars. Mercury has been in the insurance industry for more than half a century now, which is certainly noteworthy. Though coverage is only available in 11 states, Mercury provides several insurance solutions for customers within those areas, including personal and business products. The carrier is highly rated by AM Best and the BBB and has demonstrated solid financial strength over the years. 

Mercury offers 24/7 claims reporting via phone and match-with-an-agent and request-a-quote services through their website. We also love that the insurance company works exclusively with independent insurance agents, to help their customers have the best experience possible from every angle. Further, there are tons of glowing customer reviews easily spotted across the web, and many include reports of Mercury having the most affordable coverage compared to its competitors. 

Overall, we highly recommend looking into Mercury Insurance with your independent insurance agent to be your next trusted carrier. 

Mercury Insurance pros and cons:

Mercury Insurance was founded in 1962, giving the carrier six decades of experience in the insurance industry. The insurance company offers a sizeable catalog of coverage options for individuals and businesses, including umbrella insurance, homeowners insurance, commercial auto insurance, and more. The insurance company is headquartered in Brea, CA.

Today, Mercury offers its products in 11 states across the US. The carrier has more than 2,500 employees on its LinkedIn network. Mercury works exclusively with independent insurance agents, which helps to provide customers with a more personalized and complete experience while shopping for, and maintaining, their coverage.

Thanks to its history, amount of insurance in force, and catalog of coverages offered for individuals and businesses, Mercury has become known as a financially sound insurance company with a strong outlook for the future.

Mercury Insurance's Products by Type

Mercury offers a variety of coverage solutions for individuals and businesses. Their products include:

Your independent insurance agent can help you decide if Mercury has the right type of coverage to best meet your needs.

Mercury homeowners insurance

Mercury Insurance offers homeowners insurance with all the standard protections you'd expect, including dwelling coverage, personal property coverage, additional living expenses coverage, and personal liability coverage. But it also comes with a few additional perks.

Additional coverage types, features, and benefits:

Extended replacement cost

Mercury's extended replacement cost increases your coverage by up to 150% of your homeowners insurance policy's dwelling limits. This extended coverage can further help you rebuild your home after a major covered disaster like a fire.

Guest medical protection

Mercury's guest medical protection can cover medical treatment for guests that get injured at your home. This coverage can help you avoid a lawsuit from your guest to recoup their treatment costs after an incident on your property.

Identity theft protection

Mercury's identity theft protection coverage can help reimburse you for costs related to an identity theft incident. These costs can include lost income, notaries, attorney fees, mailing costs, and loan application fees.

Mercury auto insurance

Mercury Insurance's auto insurance policies also include the standard coverages you'd expect to find, such as bodily injury liability and property damage liability, collision, comprehensive, and personal injury protection. But it also comes with a few additional perks.

Additional coverage types, features, and benefits:

Medical payments

Mercury's medical payments option is available as a supplemental coverage to help reimburse you for medical expenses after an accident, regardless of who was at fault. This coverage can help reimburse for treatment of injuries to you and/or your passengers, funeral expenses, or injuries to you as a pedestrian.

Uninsured/underinsured motorist

Mercury's uninsured/underinsured motorist coverage can help reimburse you for the costs of property damage or medical treatment if another driver causes a collision with you and carries little or no auto insurance of their own.

Rental car

Mercury's rental car coverage can help pay for a rental car if your own vehicle cannot be driven after a covered incident like a collision.

Mercury business auto insurance

Mercury Insurance's business auto policies offer a lot of the protections found in personal auto policies, but they're tailored to the needs of business vehicles. Standard collision, liability, and uninsured/underinsured motorist coverages are included, along with a few others.

Additional coverage types, features, and benefits:

Business auto liability

Mercury's business auto liability can help cover lawsuit costs if your business gets sued because one of your company's drivers caused an accident or other disaster.

Comprehensive

Mercury's comprehensive coverage can help reimburse your business for costs related to incidents with your company's vehicles other than collision, including windshield breaks, accidents with large animals, theft, and more.

Personal injury protection

Mercury's personal injury protection for business vehicles can help reimburse the costs of treatment for one of your company driver's injuries after an accident they were at fault for.

Your independent insurance agent can help you find more information about the coverage offered by Mercury Insurance, and help you decide if this insurance company is right for you.

What Discounts Does Mercury Insurance Offer?

Mercury offers many competitive discounts on its coverages, especially for auto insurance. These discounts include:

An independent insurance agent can help you find more information about further discounts and additional ways to save with Mercury, as well as provide you with quotes and help answer any other questions you may have.

Connect with a Mercury Agent Today.

Shopping for insurance? Mercury has you covered.

Request a Quote

Mercury Insurance Customer Service

Mercury allows its customers to file claims over the phone at any time. The carrier provides the following customer service options:

The best way to handle your customer service needs is to work with an independent insurance agent. These agents help make customer service easier for you by handling claims and other concerns.

Mercury Insurance Customer Reviews

AM Best, the leading global credit rating agency monitoring the insurance industry, gives Mercury an “A” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from AM Best assure customers that Mercury is capable of offering guaranteed, secure coverage from a trustworthy and reputable insurance carrier.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. 

Consumer Affairs

“My husband and I have had Mercury Insurance for over 25 years, we have tried to see if any other companies that could beat Mercury’s pricing and none of the companies can. We also have our homeowners insurance with Mercury. Our rep. has been exceptional and have had excellent service for all these years.”

Consumer Affairs

“I believe the premium rates are among the lowest in the industry because there have been times I've compared. I have a very good driving record but when I had a collision recently that wasn't at fault, they were very prompt and dependable, and made sure I got the best outcome possible while seeming to care a lot about making sure any injuries I might have received attention and compensation. Their customer service is excellent.”

Consumer Affairs

“I have been with this insurance company more than 10 years and they have always taken great care of me with great service, kindness, professionalism, and have handled all my issues with concern and care.”

Clearsurance

“Recently was in an at-fault accident, and Mercury handled everything for me quickly! Fastest claim I've ever had."

Better Business Bureau

“I had a claim and the adjuster we had was professional and he knew what he was talking about. Brian J adjuster was a great adjuster. We have been with Mercury almost 10 years and had no problems. Mercury Insurance is a good company."

Mercury Insurance FAQ