Auto Insurance · Editor review

Mercury auto insurance review.

4.1/5· Reviewed by CarSavr editorsUpdated: June 29, 2026

Best for: California drivers, and drivers in Mercury's other states, with clean records and modest mileage.

Reviewed by CarSavr Editorial TeamReviewed Jun 29, 2026Editorial standards

Avg annual premium · 2024 national avg

$1,495

A.M. Best rating

Provider type

carrier

Coverage

11 states

What we like

+One of California's largest auto insurers
+Pricing built around California's Prop 103 rating factors
+Low NAIC complaint ratio (0.55)
+Good discounts for anti-theft devices, autopay and good students

What we don't

−Limited footprint outside California
−J.D. Power 810, below top-tier carriers
−Fewer telematics and digital features than national direct writers
−A (Excellent) A.M. Best, a notch below the A++ leaders

Editor's verdict

Mercury is a California-based carrier and one of the state's largest auto insurers. Its pricing is built around California's Prop 103 rules, which weight driving record, annual mileage and driving experience. Outside California it writes in a limited set of states. Service satisfaction (J.D. Power 810) trails top-tier carriers, so it's a price-first pick.

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Mercury Insurance FAQ

Is Mercury good for California drivers?+

It's one of the most competitive options for clean-record California drivers, but always compare it with GEICO, State Farm and other carriers for the same coverage.

What is Prop 103 and why does it matter for Mercury?+

California's Prop 103 requires insurers to rate primarily on driving record, miles driven and years of driving experience. Mercury's pricing is built around those factors.

Which states does Mercury write auto insurance in?+

California plus a limited set of other states. Check Mercury's site or a quote comparison to confirm availability in yours.

How is Mercury's customer service?+

Its complaint ratio is low, but J.D. Power satisfaction (810) trails carriers like Amica, Erie and USAA.

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Mercury auto insurance by state

Prices change a lot from state to state. Pick yours to see Mercury's estimated cost, local rules and cheaper alternatives.

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