Mercury Insurance Review 2023

Kayda Norman
By Kayda Norman 
Edited by Caitlin Constantine

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Our Take


NerdWallet rating 

The bottom line:

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

Mercury Auto Insurance
NAIC complaints
Close to expected
Ease of use
Above average
Great set of discounts

Pros & Cons


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


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

Full Review

Mercury earned 4 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

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 condo insurance. Its policies are sold through a network of independent agents.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B. 

Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.

Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.

Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.

Mercury insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

Mercury provides basic auto insurance 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 those who have a personal auto insurance policy with Mercury and drive for services like Uber or Lyft. Typically, when you work for a rideshare service, you are covered by the insurance provided by that company — but only while you have passengers or are en route to pick up passengers. Mercury’s rideshare insurance guarantees you’re also covered when you’re waiting for a fare.

Auto insurance discounts

Depending on your state, you may be able to get a discount with Mercury by:

  • Enrolling in autopay.

  • Installing an anti-theft device in your vehicle.

  • Using electronic signatures (paperless billing).

  • Meeting Mercury’s requirements as a good driver.

  • Meeting Mercury’s requirements as a good student.

  • Signing up for Mercury’s driver behavior tracking app, MercuryGo. (You may qualify for an additional discount for good driving.)

  • Signing up for Mercury’s mileage-based rates program, RealDrive.

  • Insuring multiple cars with Mercury.

  • Having multiple policies with Mercury (bundling).

  • Paying premiums on time and in full.

🤓Nerdy Tip

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.

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.

Mercury also has a usage-based app, MercuryGo, that provides additional discounts based on a calculated driving score. MercuryGo is currently only available for customers in Arizona, Florida, Georgia, Illinois, New Jersey, Oklahoma, Texas and Virginia.

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 that 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, which pays up to $10,000 per claim for repairs to or replacement of damaged service lines, such as sewer, water and gas pipes. 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 coverage, which pays up to 150% of your dwelling limit to rebuild your home if you experience a covered loss.

  • Additional coverage for valuables, such as jewelry or fine art.

  • Cyber coverage that 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, which is offered only to customers with a California FAIR Plan policy and covers the gaps in the policy, such as theft and water damage from broken pipes.

Home insurance discounts

Home insurance policyholders may be able to save by:

  • Owning a newer home.

  • Selecting a higher deductible.

  • Using fire-resistant construction materials to build their home.

  • Living in a gated community.

  • Having multiple policies with Mercury (bundling).

  • Installing protective devices in the home.

  • Taking steps to prevent wildfires or 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 insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

2022 J.D. Power Study

Mercury ranking

Auto insurance shopping

No. 9 out of 11 companies.

Auto insurance claims satisfaction

No. 20 out of 21 companies.

More about Mercury insurance

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

App: Mercury offers two mobile apps for its auto insurance customers. Its primary app lets you access your digital ID card, pay bills and contact roadside assistance. Its usage-based app, MercuryGo, monitors your driving habits. You earn a discount for enrolling and may receive an additional discount at renewal for demonstrating good driving behavior. It is only available in Arizona, Florida, Georgia, Illinois, New Jersey, Oklahoma, Texas and Virginia.

Other insurance coverage from Mercury


Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. 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 and full ratings methodology for auto insurance.

Frequently asked questions