Mercury Insurance

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This profile will tell you everything you need to know about Mercury Insurance. You’ll learn which states the company serves and where the company fits in terms of financial strength. We also provide sources that show how consumers view their experience with the company, as well as information on the many discounts it offers. Finally, we’ll walk you through how Mercury Insurance handles its claims process. From there, you’ll have all the tools you need to decide whether Mercury Insurance is the right insurance provider for you.

Best If

  • You want a lot of good discounts

Worst If

  • You want an easy sign-up process

By The Numbers

  • Mercury Insurance operates in 11 states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia
  • Ranked the fourth-largest private passenger automobile insurer in California
  • Total assets over $4.5 billion
  • Employs more than 4,500 people
  • Has more than 7,000 independent agents in 11 states

Consumer Reviews

  • USInsuranceAgents.com
    • Gave Mercury 3.5 out of 5 stars
    • Most positive reviews from consumers emphasized Mercury’s timeliness when it came to settling claims; Mercury did so promptly
    • However, some consumers criticized the company for increasing their insurance premiums for reasons that weren’t clear
  • WalletHub.com
    • Gave Mercury 4 out of 5 stars
    • Many consumers liked Mercury's prompt claims process as well as its reasonable premiums
    • However, some consumers criticized the company's customer service and ability to raise rates
  • Better Business Bureau
    • Gave Mercury an A+ rating, though it is not BBB accredited
    • The company's length of time in business and small complaint volume contributed to its high score

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data

Year
Total Complaints
Percent Change
2016
71
-23%
2015
92
2014
105
+27%
2013
83
--
Source: National Association of Insurance Commissioners

J.D. Power ratings by region (out of 1000)

  • California: 781 — below average
  • Central: N/A
  • Florida: N/A
  • Mid-Atlantic: N/A
  • New England: N/A<
  • New York: N/A
  • North Central: N/A
  • Northwest: N/A
  • Southeast: N/A
  • Southwest: N/A
  • Texas: N/A

U.S. Auto Insurance Shopping Study (2016)

Overall Purchase Experience
Above average
Policy Offerings
Above average
Pricing
Above average
Local Agent
Average
Call Center Representativ
Average
Insurer Website
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U.S. Auto Insurance Claims Satisfaction Study (2015)

Overall Satisfaction
Average
First Notice of Loss
Average
Service Interaction
Average
Appraisal
Below average
Repair Process
Below average
Rental Car Experience
Average
Settlement
Average
Source: J.D. Power

Financial Ratings

A+
A.M. Best
Superior rating; second-highest possible
--
Moody's
--
--
S&P's
--

Market Share

According to the NAIC, Mercury Insurance’s market share was 1.16 percent in 2015, making it the 14th largest in the nation. That same year, it wrote about $2.32 billion in total private passenger auto premiums.

Roadside Assistance

Mercury Mechanical Breakdown Protection

Mechanical Breakdown Protection essentially works as an extended warranty on your car. It covers the cost of repair when it breads down. While not exactly a roadside assistance program it covers that and more.

Roadside Services Covered

  • 24-hour roadside assistance
  • Rental car assistance
  • Tire protection
  • Trip interruption coverage
  • Nationwide protection
  • Repairs at any licensed repair shop
  • No limit to number of claims
  • Coverage is transferrable

Contact Phone Number

For Roadside Assistance, call our hotline (800) 503-3724.

Mobile Apps

Mercury Portal by Mercury Insurance Group is an app that lets you manage your auto insurance policies from your mobile device. You can use the app to pay your auto bills, view your policy information, contact your agent, request policy changes, and even view your policy claims and payment history.

To download the app for Android, click here.

History

Mercury General Corporation was founded in 1962 by George Joseph in Los Angeles, California. Joseph created the company with the belief in providing quality insurance products at affordable rates to customers. The company began with only six employees and 90 insurance agents, and since then has grown exponentially. In 1970, Mercury wrote $1 million in premiums in a single month. However, it wasn’t until the late 1970s that the company wrote its very first auto insurance policy. That’s also when Mercury became the first insurance company in the industry to incorporate a Special Investigations Unit (SIU) to combat insurance fraud.

Over the next few decades, Mercury continued to grow and increase revenue. By 1997, it reached $1.08 billion in sales. Today, Mercury has more than $4 billion in assets. George Joseph still plays an active role in ensuring the company’s success, even at 90 years old.

Claims Process

To file a claim with Mercury, click here.

With Mercury, you can file a claim any time of day and any day of the week. Its website provides all the necessary steps for filing an auto insurance claim.

After an auto accident:

  • Identify the nearest safe location
  • Move your car to said location
  • Check for any injuries
  • Call 911 if needed
  • Document the damage with photos or video
  • Exchange information if other parties are involved in the accident

After gathering all the important information, a Mercury Customer Service representative will contact you to gather more information on the incident. 

Contact Information

Claims Site
Customer Service Site

Corporate Address:
4484 Wilshire Blvd
Los Angeles, CA 90010

Customer Service Phone Number: 1 (800) 503-3724