Mercury Insurance review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Mercury Insurance is a US insurer for households that want one provider across auto, home, renters, landlord and breakdown cover, with monthly payments available and claims handled by agents as well as online. Founded 1961, it suits drivers and renters who prefer a single point of contact.
Key facts
- Best for
- Households wanting auto, home, renters, landlord and breakdown cover from one monthly-paying insurer.
- Insurance types
- Auto, Home, Renters, Landlord, Breakdown (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Claims channels
- Online, Phone, Agent (Source, checked September 26, 2026)
- Legal entity
- Mercury Insurance Services, LLC (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 1961 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- mercuryinsurance.com
Business insurance
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Legal entity
- Mercury Insurance Services, LLC (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 1961 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- WikidataTrustpilotLinkedIn
Pros and cons
Pros
- Whole household cover in one place: auto, home and renters
- Claims can be started on online, phone and agent
- Monthly payments are available, with monthly as the payment model
- Trading since 1961 from US
Cons
- insurer rather than a broker, so cover stops at what its own underwriter writes
- Support runs on email, phone and help centre only, so there is no live chat or community forum
- monthly is the single payment model, so an annual bill paid in one go is not offered
Who it suits
- Families bundling car and home policies with the same insurer: auto, home and renters
- Renters and landlords who want monthly billing and a person on claims: monthly payments available
- Motorists who want breakdown cover sitting alongside the car policy: auto, home and renters
Who should look elsewhere
- Travellers and pet owners, who get more from Good Sam Insurance Agency: auto, home and renters
- Anyone after home emergency cover alongside home insurance, which Hiscox UK lists: home, renters and landlord
- Drivers who want gadget or travel cover added to the car policy, which EuroAsia Insurance lists: auto, home and travel
Who runs it
Mercury Insurance Services, LLC is the company that underwrites the policy, based in the United States and trading since 1961. Because the same entity carries the risk, questions on cover, documents and payments go straight to the insurer. Support runs on email, phone and help centre, so help is by phone, email or the help centre.
How Mercury Insurance compares
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Where Mercury Insurance is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Mercury Insurance actually cover?+
Its line-up is auto, home and renters. That covers the household's main risks under one roof, and each policy is written by the insurer itself rather than placed with another provider. Broader lines, such as travel, pet, motorcycle or life cover, sit with other brands on the site.
Can I pay monthly?+
Monthly payments are available and monthly is the payment model, so cover from auto, home and renters can be paid for across the year rather than in one go. That suits drivers and renters who budget monthly and would rather not commit the whole premium up front.
How do I make a claim?+
Claims run on online, phone and agent, so a policyholder can start online, by phone or through an agent. The agent route suits anyone who would rather hand the claim over than log it themselves, and the phone line is there for urgent help on auto, home and renters cover.
How do I get help with a policy?+
Support runs on email, phone and help centre, so help arrives by email, by phone or through the help centre. A phone call suits anything time sensitive, such as a policy change in the middle of a renewal, while email and the help centre give room to send detail. Live chat is not one of the listed options.
Is Mercury an insurer or a broker?+
It is an insurer, so Mercury Insurance Services, LLC carries the risk on its own policies instead of passing the customer to another underwriter. That keeps cover and claims in the same hands. Buyers who want a broker to search several insurers should look at a broker or comparison listing instead.
Where is Mercury based, and how long has it traded?+
The company behind the policy sits in US and has traded since 1961, so it is a long established name in the personal lines market. Policies, claims and renewals all stay with the same entity, Mercury Insurance Services, LLC.
How do premiums compare with the rest of the market?+
Starting premiums across the brands on the site sit at €8.37 in the middle, with the lower quarter at €2.92 and the upper quarter at €29.72. Car premiums are tracked on their own, running to €3,431.08 at the top of the range, so quotes vary widely.
Who should choose a different insurer instead?+
Anyone wanting travel, pet, life, health or motorcycle cover has more choice with Good Sam Insurance Agency, which lists auto, home and renters. Hiscox UK pairs home, renters and landlord cover with home emergency: home, renters and landlord. EuroAsia Insurance adds travel and gadget lines: auto, home and travel.
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.
Related by the facts
Mercury Insurance
Households wanting auto, home, renters, landlord and breakdown cover from one monthly-paying insurer.