Mercury auto insurance has been around for more than 60 years. It’s available in 11 states but isn’t as well-known as other major auto insurance providers. Here are some key highlights about Mercury.
- Mercury ranked last in the 2024 J.D. Power auto claims satisfaction study.
- Mercury operates in 11 states, including California, Florida and Texas.
- Many discounts are available, including auto-pay, good driver and multi-car.
Mercury auto insurance coverage options
Mercury offers a few different types of coverage, including:
- Liability protection
- Collision protection
- Comprehensive coverage
- Medical payments coverage
- Personal injury protection (PIP)
- Uninsured or underinsured motorists
- Rental car
- Roadside assistance
- Rideshare coverage
Mercury auto insurance coverage options depend on where you live and what’s required in your state.
Mercury car insurance discounts
Not all drivers qualify for every discount, but depending on your policy, you may qualify for several discounts. The auto insurance company rewards good drivers with discounts, including:
- Anti-theft feature
- Auto-pay
- E-signature
- Good driver
- Good student
- Multi-car:
- Multi-policy
- Paid in full
Where is Mercury car insurance available?
Mercury is available in 11 states, including:
- Arizona
- California
- Florida
- Georgia
- Illinois
- Nevada
- New Jersey
- New York
- Oklahoma
- Texas
- Virginia
Mercury financial stability ratings
When it comes to performance, there are a few different measures. Here’s how Mercury stacks up based on the most up-to-date ratings by industry leaders.
| Company | Rating |
|---|---|
| A.M Best | A |
| Fitch | A- |
| Moody’s | A3 |
While these are the current ratings, it’s a good idea to note that they can change every year. For instance, Moody’s has previously rated Mercury at A2- before lowering it to A3.
Even though A3 still has a relatively strong rating, its continual decline is an important indicator of the company’s health and stability. Keep this in mind as you evaluate Mercury and other auto insurance providers.
Mercury customer reviews and complaints
The Better Business Bureau ranks Mercury a B- with a 1.03/5-star customer rating. In the last three years, Mercury has closed 333 complaints. Most complaints involve problems with a Mercury product or service. This BBB rating impacts other ratings as well.
Mercury car insurance claims
J.D. Power ranks Mercury last in the 2024 Auto Claims Satisfaction Survey. Mercury scored 663 out of a possible 1,000-point scale, below the average score of 697.
You can submit a claim to Mercury anytime by calling the claims department. While this makes it easy for customers to submit claims over the phone, that’s the only way to file one. Mercury doesn’t offer any type of electronic claim submission.
Mercury website and apps
If you want to find out how to sign up for Mercury, you can get the necessary information on Mercury’s website. There, you’ll find if it’s available in your state, a checklist before submitting a claim, and all the discounts you might be eligible for.
You can also get an instant quote or find an agent near you to help you buy Mercury auto insurance. Keep in mind that while you can get a quote online, you’ll need to contact an agent to buy insurance.
Once you’re a customer, you can log in to make a payment, download your insurance IDs, view your policy or make adjustments. You can also set up payment through the Mercury app.
Who is Mercury car insurance a good option for?
If you’re shopping around for car insurance, Mercury might be good for you if:
- You live in one of the 11 states where you can get it.
- Your household qualifies for multiple discounts.
- You don’t mind only submitting claims over the phone.
The verdict: Is Mercury worth it?
Mercury auto insurance isn’t for everyone. For one thing, you may not live in a state where it’s offered. If you don’t, you may need to look into other options to find one you’re eligible for.
But if you do and you’re comparing auto insurance rates and coverage, Mercury might work out for you. Depending on where you live and your coverage, you may get a better deal with Mercury auto insurance than competitors.
Before you decide to go with Mercury, make sure you’re comparing the same level of coverage and potential discounts. This way, you can make the most informed decision for your needs.
Sources
- AM Best. “AM Best Affirms Credit Ratings of Mercury General Corporation and Its Subsidiaries.” Accessed February 2025.
- FitchRatings. “Fitch Affirms Mercury’s Ratings; Outlook Stable.” Accessed February 2025.
- J.D. Power. “Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds.” Accessed February 2025.
- Moodys.com. “Moody’s Rating Scale and Definitions.” Accessed February 2025.
- Reinsurance News. “Moody’s downgrades Mercury’s ratings on California nat cat exposure.” Accessed February 2025.
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