Advertiser Disclosure

Mercury Insurance Review 2019: Complaints, Ratings and Coverage

April 5, 2019
Auto Insurance, Insurance
At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Many or all of the products featured here are from our partners. Here’s how we make money.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lacie Glover

Mercury Insurance reviews and ratings

  • Mercury’s customer satisfaction ratings are average or worse.
  • Has fewer auto insurance complaints than other companies relative to its size and about the median number of home insurance complaints.
  • Auto insurance policies have few extras, which can keep prices low.

Mercury Insurance has a large auto insurance customer base in California, but it also operates in 10 other states and offers additional products such as home, renters and commercial auto insurance. Its policies are sold through a network of independent agents.

Mercury Insurance review details

Auto insurance rating

3.5 NerdWallet rating

Mercury ranked 22nd out of 24 insurers in NerdWallet’s ranking of the best car insurance companies, earning 3.5 stars out of 5 for overall performance. NerdWallet’s rating is a score based on:

  • J.D. Power ratings for customer service, claims satisfaction and shopping satisfaction.
  • Consumer Reports customer satisfaction ratings.
  • Consumer complaints against the insurer, based on data from the National Association of Insurance Commissioners.

Mercury auto insurance coverage options

Mercury is a meat-and-potatoes auto insurer, with basic coverage options, including optional rental car coverage and roadside assistance.

Rideshare insurance is also available from Mercury. Traditional auto insurance policies don’t cover you while you drive for companies like Uber or Lyft, and those companies’ insurance only covers drivers with passengers or en route to pick them up. But while you’re waiting for a fare, neither policy covers you and that’s where rideshare coverage fills the gap.

» MORE: Compare car insurance

Mercury home insurance coverage options

Mercury’s options for home insurance include all the standard options, plus a few add-on features, including:

  • Identity theft protection and management: pays for identity theft prevention and costs related to fixing criminal identity theft, up to $25,000.
  • Coverage for large appliances and equipment repairs, including air conditioning systems, kitchen and laundry appliances, water heaters, electrical panels and more, up to $50,000 per claim.
  • Service pipe coverage pays for repairs or replacement of service lines such as sewer, water and gas lines if damaged, up to $10,000 per claim. Without this coverage, you would be on the hook for these repairs, even though they connect to city-owned or utility-owned lines.
  • Extended replacement cost: pays up to 150% of your dwelling limit to rebuild your home.
  • Additional coverage for valuables, such as jewelry or fine art, is available.
  • Cyber coverage pays out if you’re the victim of an online attack such as online fraud or extortion, up to $50,000 with a $500 deductible.

Mercury at a glance

Financial strength: A (“Excellent”)

Mercury’s financial strength is “excellent,” according to ratings agency A.M. Best. Financial strength is important because it indicates how well an insurer can pay claims.

Complaints

Mercury had fewer than the median number of complaints to state regulators for auto insurance in 2018 relative to its size, according to the National Association of Insurance Commissioners. It had about the median number of complaints for home insurance.

Customer satisfaction

2018 J.D. Power StudyMercury ranks...
Insurance Shopping (Auto)Among the rest
Auto Insurance Claims SatisfactionAmong the rest

Availability

More about Mercury

Mobile app: You can pay bills, view documents, download car insurance ID cards and contact your agent with Mercury’s customer app.

Other types of insurance: In addition to auto and home, Mercury offers the following insurance, though not every type is available in all states where Mercury operates:

  • Condo insurance.
  • Renters insurance.
  • Mechanical breakdown protection for repairing mechanical and electrical issues with your vehicle (doesn’t pay to repair wear and tear).
  • Commercial auto insurance.
  • Business insurance.
  • Umbrella insurance.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lacie Glover

Find your rate.

NerdWallet’s star ratings are based on the following three factors, each weighted equally to produce a 300-point maximum total score:

  • 2018 consumer complaints data from the National Association of Insurance Commissioners for private passenger auto insurance. The median complaint ratio for the industry is 1. Lower ratios are better. Insurers whose median complaint ratios were more than 1 received fewer points; those lower than 1 received more points.
  • 2017 company satisfaction data from Consumer Reports’ most recent car insurance survey. Higher satisfactions ratings from Consumer Reports were given higher scores in our calculation.
  • 2018 J.D. Power ratings from three studies encompassing regional customer service satisfaction, auto claims satisfaction and shopping satisfaction. Ratings from each of the separate 2018 studies were averaged to form one overall score from J.D. Power. The higher the average, the more points the insurer scored in our calculation.

Only larger insurers with data available in all three of these categories were included. Smaller insurers not listed here may also be good choices and are worth consideration.