Mercury Insurance review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Mercury Insurance is a US insurer selling personal lines directly to households, with auto, home, renters, landlord and breakdown cover and monthly payments on request. It suits people who want property and vehicle cover from one US insurer and prefer an agent to run claims by.
Key facts
- Best for
- US households wanting auto and home cover from one insurer with monthly payments
- Insurance types
- Auto, Home, Renters, Landlord, Breakdown↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Claims channels
- Online, Phone, Agent↗
- Legal entity
- Mercury Insurance Services, LLC↗
- Headquarters
- United States↗
- Founded
- 1961↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- Monthly
- Official website
- mercuryinsurance.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- WikidataTrustpilotLinkedIn
Pros and cons
Pros
- One insurer covers auto, home and renters, so vehicle and property policies sit with the same provider
- Monthly payments are available, which keeps cash flow even through the year
- Claims can start online, phone and agent, including a local agent
- Support runs on email, phone and help centre
Cons
- The range stops at property and vehicle lines, with no life or health cover in auto, home and renters
- Support runs on email, phone and help centre only, with no live chat listed
- Premiums are set per policy rather than published as a single figure
Who it suits
- US drivers who also insure a home or rental property
- Households that want an agent involved at claims stage
- Buyers who prefer monthly premiums to a single annual payment
Who should look elsewhere
- Anyone after life or health cover, since auto, home and renters stops at personal property and motor lines
- People who want live chat, as support runs on email, phone and help centre
- Readers shopping outside the US, as Mercury Insurance is based in the US
How Mercury Insurance compares
9.3 vs 8.6
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.0
9.3 vs 8.7Sells health, life and gadget policies, a different mix from the property and motor emphasis at Mercury Insurance.
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 8.7Focuses on life cover, useful if you want a life policy rather than property and motor lines.
9.3 vs 9.0
9.3 vs 8.8
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.0
9.3 vs 8.3
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.9- 9.3 vs 8.6
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 8.3
9.3 vs 8.2- 9.3 vs 8.0
Where Mercury Insurance is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What kinds of insurance does Mercury Insurance sell?+
It is an insurer rather than a broker, and the range covers auto, home and renters. That means property and motor lines only, with no life or health policies listed.
Can I pay premiums monthly?+
Yes, monthly payments are available as the only payment model listed in monthly. That spreads the cost of a policy across the year rather than charging it in one go.
How do I make a claim?+
Claims can be started online, phone and agent, so you can deal with the insurer online, by phone or through an agent. The agent route suits anyone who prefers a local contact on a larger claim.
How do I get help with my policy?+
Support runs on email, phone and help centre, giving you email, phone and a help centre. There is no live chat listed among those channels.
Who is behind the policies?+
The insurer trades as Mercury Insurance Services, LLC and is headquartered in the US. It has been writing cover since 1961.
What do premiums cost?+
Premiums are quoted per policy rather than listed as one figure, so the price depends on the cover you pick from auto, home and renters and where you are insured. Monthly payments spread that premium over the year.
Is my money protected by a compensation scheme?+
No protection scheme or regulator is listed for this insurer, so the cover sits with the insurer itself. Check the policy wording for how claims are settled and what your rights are in the US.
Sources
- mercuryinsurance.com/about checked September 26, 2026
Backs: Founded, Headquarters, Insurance types
“Since our formation in 1961”
- mercuryinsurance.com/contact.html checked September 26, 2026
Backs: Claims channels, Legal entity, Support channels
“You can file a claim 24 hours a day, seven days a week with Mercury's automated digital experience, or call (800) 503-3724.”
- mercuryinsurance.com/insurance/auto checked September 26, 2026
Backs: Provider type
“our customers rate us as one of the top vehicle insurers in the U.S. for customer service, claims handling and pricing”
- mercuryinsurance.com/payment/options.html checked September 26, 2026
Backs: Pricing model, Monthly payments
“enroll in autopay for peace of mind and no more late fees”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from.
Mercury Insurance
US households wanting auto and home cover from one insurer with monthly payments