Find out if Mercury is right for you.
Mercury is a more than 60-year-old car insurance company based in California, where it is one of the largest auto insurers in the state. Also available in 10 other states, Mercury offers a variety of extensive car insurance options, which it sells online and over the phone. Keep reading for our full analysis of Mercury’s insurance offerings.
Great digital experience: Mercury’s mobile apps are highly rated, and the company won J.D. Power’s 2021 Digital Experience Study Award.
Extra coverage options: If you’re looking to protect your finances from potential lawsuits or expensive claims, Mercury offers the option to add up to $5 million in additional liability coverage through its umbrella coverage policies.
Not available in most states: As of November 2022, Mercury is available only in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.
Pricier than average: Mercury’s average annual cost is $1,706 per year, almost $700 more than the national average. Before you write the company off, remember that Mercury operates mostly in states with higher average costs and that your own costs will vary.
Similarly, property damage liability insurance covers the cost of repairing other peoples’ property if you’re determined to be at fault for an accident. Mercury’s liability insurance includes coverage for attorney fees if you are sued following an accident.
It goes beyond medical care to cover other expenses, including lost wages, funeral expenses, and survivor’s benefits. It’s a unique form of insurance because it follows you even when you’re not in your car. For example, if a car hits you while you’re out walking, personal injury protection benefits can apply.
If you drive for Uber or Lyft, you can add this coverage to a Mercury Insurance personal auto policy in every state that Mercury covers except New York and New Jersey.
Based on our up-to-date market analysis, AutoInsurance.com has determined that the average annual cost for Mercury auto insurance is $1,706 per year. Your own annual cost will vary depending on your unique characteristics, including your driving history, credit score, age, and location.
Wondering how Mercury’s rates stack up against the average price of car insurance? The overall national average cost is $1,070.47 per year, but keep in mind that Mercury operates in states with higher averages, for the most part.
In 2021, the most recent year for which data is available, the ten most frequently stolen car models were Chevrolet, GMC, and Ford full-size pickups, Honda Civics, Accords, and CR-Vs, Nissan Altimas, and Jeep Cherokees.1 Learn more about car theft to better protect your vehicle.
As of November 2022, Mercury offers auto insurance in 11 states:
California represents the core of Mercury’s auto insurance business, accounting for approximately 86 percent of the company’s premium revenue.2
Mercury offers a mobile app for both iOS and Android devices. The app allows users to pay bills, view coverage details and ID cards, and contact customer service and roadside assistance. On the Apple App store, it has 4.8 out of five stars, averaged from 431 reviews. On the Google Play store, it has a score of 4.4 out of five stars, averaged from 372 reviews.
George Joseph, a World War II veteran who spent a decade working in insurance before starting his own company, founded The Mercury General Corporation in 1961. Starting with just six employees, the company sold its first auto insurance policy in 1962.
Mercury began offering homeowners insurance in 1972. In 1978, it established the insurance industry’s first Special Investigations Unit to fight insurance fraud. The company expanded beyond California in 1989 when it opened offices in Georgia and Illinois. It maintains its headquarters in Los Angeles, California.
More than six decades after its creation, the company holds more than $6.7 billion in assets and has more than 4,400 employees, as well as over 9,400 independent agents across 11 states. Mercury General Corporation owns the following subsidiary companies:
Mercury provides the following policies for your home:
The company also offers policies for your business:
To cancel your Mercury auto insurance policy, call customer service at 1-800-503-3724. You may be eligible for a refund on the remaining contract time if you paid upfront.
No, Mercury insurance is not related to the automobile manufacturer named Mercury. Ford Motor Company produced the Mercury model line until it ceased production in 2011.
Yes, Mercury acquired Workmen’s Auto Insurance company in 2015.
No, Mercury does not offer accident forgiveness. Driving safely and avoiding accidents is the best way to save on your insurance.
Chevrolet and Ford Full Size Pick-Ups Most Stolen Vehicles For Second Year in a Row. National Insurance Crime Bureau. (2022).
Company Fact Sheet. Mercury Insurance. (2022).
Mercury Insurance Group. Better Business Bureau. (2022).
Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds. J.D Power. (2022).