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Mercury auto insurance review for 2021

Fact-checked with HomeInsurance.com

Mercury Insurance has been providing drivers with coverage since 1961 and is best for drivers on a budget. Mercury Insurance reviews from customers remark on the affordable prices they receive on their Mercury car insurance quote. Besides vehicle coverage, Mercury Casualty Company also provides other types of insurance including business, landlord, renters and the popular Mercury homeowners insurance, which — when bundled with car insurance — can bring you extra savings. 

Mercury Insurance Quickpoints

  • Region offered: 11 states 
  • Market share: 1.13%
  • AM Best rating/financial strength profile: A- (Excellent)
  • J.D. Power claim satisfaction rating: 787/1,000 in California, below average score
  • Specialty coverages: Best known for no-frills coverage although mechanical protection (repair) coverage, rideshare insurance and roadside assistance are available

Mercury Insurance isn’t available nationwide. It’s hard to call it a regional carrier as well, since it doesn’t focus in one geographic area, such as the West or Southeast, for example. Mercury auto insurance is headquartered in California, the state with the strongest presence. Besides California, Mercury is also available in Arizona, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia.

Mercury Insurance customer satisfaction and complaints

Although rates may be competitive, Mercury Insurance reviews are not remarkable. The insurer only ranks in J.D. Power’s 2020 customer satisfaction study in California, with a below-average rating in the state. Mercury auto insurance reviews from customers are mixed, which is often typical of insurance companies that focus on providing the cheapest car insurance possible. 

Such an approach is bound to disappoint some policyholders who expected more than what they were paying for. While some appreciate the bare-bones affordable coverage the carrier provides, many reviewers complain that the Mercury claims process is slow or that it’s difficult to get paid on a claim. 

Mercury Insurance auto discounts

Regardless of the insurance company you go with, you can always lower the quoted rate by taking advantage of the discounts the insurer offers. Mercury’s auto insurance is no exception. Mercury Insurance discounts are pretty standard for the auto insurance industry. They include:

  • Anti-theft
  • Auto pay
  • E-signature
  • Good driver
  • Good student
  • Multi-car
  • Multi-policy
  • Pay in full
  • RealDrive

Most of the auto insurance discounts Mercury offers are pretty self-explanatory. Here is a closer look at some worth considering.

Anti-theft

Alarms and anti-theft devices can reduce the chances of your car being stolen or vandalized. Mercury Insurance encourages customers to install anti-theft equipment on an existing vehicle to get rewarded with a discount.

E-signature

Mercury Insurance is able to provide you low-cost coverage because it focuses on no-frills insurance. One of the ways it can cut costs (and pass the savings on to policyholders) is by reducing paperwork. To encourage a paperless process, you can earn a discount on your coverage when you electronically sign your insurance documents.

Good driver

One of the main factors that causes car insurance premiums go up is in the event of an accident. Accidents are costly for insurance providers, who have to pay for the damages and injuries. That expense is usually passed on to you in the form of higher premiums. If you have maintained a driving record without any traffic tickets or accidents during your coverage period with Mercury Insurance, you’ll be rewarded with a good driver discount.

Multi-policy

Bundling your insurance coverages and avoiding claims is one of the best ways to save with Mercury Insurance. Mercury offers home, condo and renters insurance. When grouped with auto insurance, you’ll maximize the savings on the bundle.

RealDrive

If you don’t typically have a long daily commute, signing up for the RealDrive program can help you save on your auto insurance premiums based on the miles you drive. Contact a Mercury Insurance agent to sign up and receive a 5% discount right away. Mercury will further discount your premium after you report your mileage before renewal.  

Mercury auto insurance premium length

Insurance companies will typically either sign you up for coverage for a length of 12 months (annual) or for only six months (semi-annual). Mercury auto insurance premiums renew annually. This means your policy is only up for review once per year. Annual premiums are typically better in the long run — policies that are semi-annual could lose their discounts faster and may see rate increases twice per year. 

The trade off to annual policies is that if you want to switch carriers or make changes to your policy, you’d have to wait longer to switch or pay a cancellation fee. The Mercury Insurance cancellation fee is 10% of the remaining premium, so factor the penalty in if you decide to switch carriers.

Mercury Insurance vs. other insurance companies

If you’re wondering how Mercury compares to other similar, low-cost auto insurance competitors, take a look at The General and National General.

Mercury Insurance vs The General

Although both car insurance companies excel at providing basic, low-cost coverage to drivers, Mercury Insurance is financially stronger than The General. Mercury is rated by the credit agencies AM Best, Fitch and Moody’s while The General is not. The General is available nationwide, compared to Mercury’s 11 states, but does not offer rideshare, homeowners, condo or renters insurance. Mercury Insurance is currently testing a mobile telematics app, making it the more modern and comprehensive choice for insurance of the two carriers.

Mercury Insurance vs National General

Not to be confused with The General, National General is a completely separate provider that has some interesting coverages Mercury Insurance does not. You’re able to insure a classic or collectible vehicle through National General, as well as add new car replacement coverage. National General is available nationwide, but both companies received equal “A-” (Excellent) ratings for financial strength from AM Best, and National General only offers auto insurance. 

Mercury Insurance mobile app and digital experience

You can handle most of your auto insurance tasks through the Mercury Insurance website, including:

  • Bill pay
  • Contact an agent
  • Make changes to your policy
  • Print ID cards
  • View policy information

You’ll need to call Mercury’s claims hotline of (800) 503-3724 to file a claim. Mercury is currently testing its version of MercuryGO in Texas. It’s a telematics app that tracks your driving habits to earn you bigger discounts based on how safely you drive. 

In the spotlight

  • Mercury Insurance provides affordable auto, home, renters, condo and business insurance.
  • Based in the state of California, Mercury Insurance provides coverage in the 11 states of Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia.
  • Mercury Insurance employees support the company’s mission to provide help to the communities they serve. A group of 20 employees made masks to donate to local hospitals during the height of the coronavirus pandemic. 
  • Mercury Insurance gave back 15% of auto insurance premiums to policyholders in April and May due to COVID-19. 

If you’re shopping for vehicle coverage, Mercury auto insurance is a good option to consider for basic, low-cost coverage. Shop around and get quotes from several insurance companies to compare before you decide, but read the details of the quote carefully. Keep in mind that the carrier focuses on low prices — a Mercury auto insurance quote may come with lower limits or fewer coverages and options than other insurers provide.

Cynthia Paez Bowman

Writer

Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women’s NGOs about small business development.

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