Mercury Insurance Review 2022

Dec 17, 2021

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Insurance reviews

Mercury Auto Insurance
  • Auto insurance

  • Homeowners insurance

The bottom line:

Mercury offers a range of insurance products, but isn’t available in many states.

Pros

  • Rideshare insurance available.
  • Additional homeowners coverage available, such as cyber coverage if you are a victim of an online attack.

Cons

  • More than the expected number of complaints for home insurance.
  • Few options to customize auto policies.
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Auto insurance review

Mercury Auto Insurance
Mercury

4.0

/5
 NerdWallet rating 
NAIC complaints
Close to expected
Ease of use
Above average
Discounts
Great set of discounts

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 coverage

Mercury is a meat-and-potatoes auto insurer with basic coverage options, including rental car coverage and roadside assistance. In addition, any repairs made at a repair facility approved by Mercury are guaranteed for as long as you own your vehicle.

Rideshare insurance is available as an add-on for drivers who have a personal auto insurance policy with Mercury. Traditional personal auto insurance policies don’t cover you while you drive for companies like Uber or Lyft. Instead, the insurance provided by Uber or Lyft covers drivers — but only while they have passengers or are en route to pick up passengers. While drivers are waiting for a fare, they aren’t covered; rideshare coverage fills that gap.

Auto insurance discounts

  • Autopay discount.

  • Discount for drivers who install an anti-theft device in their vehicle.

  • Good student discount.

  • Multiple-policy (bundling) discount.

  • Multi-car discount.

  • Pay-in-full discount.

  • Discount for using electronic signatures.

  • Good driver discount.

  • Discount based on how far you drive.

  • MercuryGo discount based on your driving behavior (only available in Texas).

Pricing based on tracked driving habits

Mercury’s pay-per-mile car insurance program, RealDrive, bases your premium rate on how many miles you drive. You’ll get a 5% discount when you sign up.

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Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Homeowners insurance review

Mercury Home Insurance
Mercury

3.5

/5
 NerdWallet rating 
NAIC complaints
More than expected
Coverage options
More than average
Discounts
Average set of discounts

Mercury home insurance coverage

Mercury’s options for home insurance include all the standard types of coverage, plus a few additional features, including:

  • Identity theft protection and management: Pays for prevention and costs related to fixing identity theft, up to $25,000.

  • Coverage for large appliance and equipment repairs, including air conditioning systems, kitchen and laundry appliances, water heaters, electrical panels and more.

  • Service pipe coverage pays for repair or replacement of damaged service lines (such as those for sewer, water or gas), up to $10,000 per claim. Without this coverage, you would be on the hook for repairs, even though these pipes 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.

  • Difference in conditions endorsement: Offered to policyholders with a California Fair Plan policy, this covers the gaps in the FAIR Plan policy such as theft and water damage from broken pipes.

Home insurance discounts

  • Multi-policy (bundling) discount.

  • Protective devices discount.

  • Fire-resistant construction materials discount.

  • Discount for owning a newer home.

  • Gated community discount.

  • Discount for taking steps to prevent wildfires or for living in a community recognized by the National Fire Protection Association as a Firewise USA site (California only).

Complaints and customer satisfaction

Mercury had close to the expected number of complaints about auto and more than the expected number of complaints about home insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

In overall customer satisfaction, Mercury ranked No. 11 out of 12 companies in J.D. Power's 2021 U.S. Auto Insurance Shopping Study.

More about Mercury insurance

Website: You can make payments, download ID cards and view policy documents on Mercury’s website. The company also has a blog with articles on various insurance topics.

App: Mercury’s main mobile app lets auto insurance customers access their digital ID card, pay their bills and contact roadside assistance. MercuryGo is a usage-based app that monitors your driving habits. You earn a discount for enrolling and may receive an additional discount at renewal based on your driving behavior. MercuryGo is available only to Texas drivers.

Other insurance coverage from Mercury

Methodology

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Home insurance ratings methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Frequently asked questions