The company was founded in 1961 in California and is headquartered in Los Angeles. Originally started to serve as a low-cost alternative to more expensive policies from the larger insurance companies of the time, Mercury has garnered numerous accolades, including being named a Top Five Best Auto Insurance Company by Insure.com and one of America's Best Midsize Employers by Forbes magazine.

Read on to learn everything you need to know about Mercury's services, including car and home insurance.

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How Mercury Insurance compares to other insurance companies

Low rates, excellent coverage, and local agents who work closely with customers set Mercury Insurance apart from its competition. With more than 50 years of experience, Mercury Insurance has grown to become an industry leader in California, serving as the fourth-largest insurer of private passenger automobiles in the state.

You can compare Mercury Insurance with other insurance providers using the

Jerry

app. A licensed broker that offers end-to-end support, Jerry will generate competitive quotes from top providers in minutes.

You won’t need to scale a mountain of questions to get a quote: Jerry does all the work for you using data from your current insurance company.

Mercury car insurance

Mercury offers some of the best rates with great coverage for car insurance. Here are some of the types of car insurance available for customers.

Types of car insurance

Car insurance from Mercury provides the typical array of standard coverage options, including:

Liability coverage

Collision coverage

Comprehensive coverage

Medical payments

Personal injury protection

Uninsured/underinsured motorist coverage

Other car insurance coverage options include rental-car coverage and roadside assistance.

Mercury home insurance

If you're just looking for home insurance (or maybe you want to bundle your home and auto), here are the types of home insurance and coverage options offered by Mercury.

Types of home insurance

Mercury also offers a wide selection of insurance coverage for your home, including:

Dwelling protection

Personal property

Additional living expenses

Personal liability protection

Additional home insurance coverage options

Mercury also has a variety of coverage options to go along with a standard home insurance policy, such as:

Extended replacement cost

Guest medical protection

Identity theft protection

Additional personal property coverage

Flood insurance

Earthquake insurance

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Mercury Insurance discounts

Mercury Insurance understands the need to keep insurance premiums affordable. To do this, the company offers a variety of discounts for car and home insurance, covered in more detail in the section below.

Mercury auto insurance discounts

Car insurance discounts from Mercury include:

Good driving record discount

Multiple car discount

Affinity discount

Anti-theft discount

Good student discount

Multi-policy discount

Driver education discount

Safety feature discount

Anti-lock brakes discount

VIN etching discount

Low-mileage discount

Mercury home insurance discounts

Mercury home insurance discounts include:

Multi-policy discount

Protective devices discount

Fire-resistant construction materials discount

Newer home discount

Gated community discount

States Mercury Insurance is offered

Unlike many insurance companies, Mercury Insurance focuses on just a few states. The 11 states that Mercury operates in include:

Arizona

California

Florida

Georgia

Illinois

Nevada

New Jersey

New York

Oklahoma

Texas

Virginia

Available Mercury Insurance apps

Mercury Insurance also offers a couple of apps for its customers, including Mercury Portal and Mercury Assist.

The

Mercury Portal

app for Android allows customers to view their policy, make a payment, and contact an agent, all from their mobile device.

The

Mercury Assist

app for Apple devices allows Mercury customers to access 24-hour emergency and accident assistance with Total Care, as well as to connect directly to a Mercury Case Manager through its Live Chat function.

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Mercury Insurance ratings and reviews

One of the easiest ways to check out the validity of a company is through its ratings with the BBB and A.M. Best. The BBB rating signifies a company's responsiveness to complaints from customers, while its A.M. Best rating serves as an indicator of a company's financial stability.

According to the BBB, Mercury Insurance has an

A- rating

, indicating that the company responds quickly to customer complaints and typically has a favorable resolution to customer problems.

According to A.M. Best, Mercury has an

A+ rating

. This rating indicates that Mercury Insurance has an overall good financial outlook, though recently the company downgraded Mercury Insurance's "financial outlook" to "negative" due to liability losses for car accidents in Florida and California from 2012 through 2014.

While not as big as some of the larger insurance companies in the U.S., Mercury Insurance serves as an industry leader in the states it does operate in. With recent favorable accolades, Mercury looks to continue to grow as a company, providing first-class service to its customers as it seeks to meet all of their insurance needs.

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