The Car Insurance Guide

Overall Personalized Rating: 4.4/5 (Very Good)

Overall Personalized Rating: 4.4/5 (Very Good)


Mercury Insurance was founded in 1961 by a former WWII bomber navigator who earned a math degree from Harvard. Mercury pioneered utilizing data such as driving experience and driving records in its underwriting to provide more competitive pricing for lower-risk drivers. They offer fairly standardized coverage options, which helps simplify the purchase process and reduces cost.

Key Benefits

  • Will cover a range of drivers, including currently uninsured drivers
  • Relatively straightforward insurance products that are competitively priced
  • Discounts for multiple cars, insurance bundles, and good grades

Ratings Summary

Ratings Highlights

Overall Rating
Overall, Mercury has some great rates and well-reviewed customer service to offer, particularly in California. We also appreciate that the carrier is open to insuring a variety of driver types. If you live in an area they service, definitely get a quote.
Mercury's pricing varies dramatically across geographic regions, either coming out to be average or great depending on where a driver lives. In California especially, they're hard to beat.
Handling Claims
The company does a good job when it comes to claims and customer service in general. Most customers are left satisfied.
Uninsured Drivers
Mercury is a particularly good choice for currently uninsured drivers, who may otherwise have trouble finding a reasonable rate.
Young Drivers
If you're under 26, look into Mercury. They tend to offer this driver type competitive rates.
Bundling Auto with Other Insurance Types
With Mercury, it's easy to bundle auto and home insurance, a move that can help you save money overall.
Drivers with Tickets/Accidents
While it's not necessarily their target customer base, Mercury is open to insuring customers with a checkered driving record, which can't be said for many of the bigger players in the industry. Though not guaranteed, it's possible they'll offer you a reasonable rate for some quality coverage despite your driving history.
Premium Driver
For premium drivers, Mercury's quality varies by region. In general, they're a great company to work with and we encourage drivers with good credit and a clean driving record to check out their site and see what rates they have to offer.

Company Background

Mercury sells insurance in 11 states (AZ, CA, FL, GA, IL, NV, NJ, NY, OK, TX, VA) and is headquartered in Los Angeles. With assets in excess of $4 billion, they're a competitive carrier providing top-notch coverage at affordable rates.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2022 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.