Mercury Insurance Review 2025

Mercury earned 3.5 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.

» MORE: The best car insurance companies

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.

• How we review 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.

Compare to other insurers

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.

» MORE: Compare auto insurance rates 

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.)

• Insuring multiple cars with Mercury.

• Having multiple policies with Mercury (bundling).

• Paying premiums on time and in full.

• Taking a defensive driving course.

• Being in the military.

• Having certain vehicle safety features and equipment.

• Maintaining continuous insurance.

• Being a member of certain organizations or groups.

Pricing based on tracked driving habits

Mercury's usage-based driving app, MercuryGo, may provide insurance discounts based on how you drive. MercuryGo is currently only available for customers in Arizona, Florida, Georgia, Illinois, Nevada, New Jersey, Oklahoma, Texas and Virginia.

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.

Mercury ranked last out of 21 insurance companies in J.D. Power's 2024 auto insurance claims satisfaction study

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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, Nevada, Oklahoma, Texas and Virginia.

Home insurance from Mercury

Mercury’s options for home insurance include all the standard types of coverage, plus a few additional features. Learn more by reading our Mercury home insurance review.

Other insurance coverage from Mercury