INSURANCE COMPANIES

Mercury Insurance auto insurance profile

Mercury Insurance, part of Mercury General Corporation. Quotes online, by phone, and through independent agents.

Mercury Insurance sells personal auto insurance online and through independent agents in 11 states, and it is headquartered in Los Angeles, California. Its published coverage list covers liability, collision, comprehensive, uninsured and underinsured motorist, and medical coverage, with rental car, roadside assistance, and ride hailing cover as added options. The comparison point is MercuryGO, its app-based driving program, which gives feedback on braking, acceleration, speeding, cornering, and distracted driving and links the renewal price to how you drive. MercuryGO is not sold in every Mercury state, so check both lists before you quote.

Personal autoSelect statesOpen to all driversOnline quotesIndependent agentsDriving-score program

Programs Mercury Insurance advertises

MercuryGO

Mercury's app-based driving program. Mercury states that MercuryGO provides real-time feedback and skill scores for distracted driving, braking, acceleration, speeding and cornering, that enrolling gives a participation discount, and that driving in the program can earn a further discount at renewal. Mercury states MercuryGO is only available in Arizona, Florida, Georgia, Illinois, Nevada, New Jersey, Oklahoma, Texas and Virginia.

Eligibility limits

Mercury sells auto insurance only in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia. If Mercury does not write in your state, it cannot quote you. MercuryGO is sold in a smaller set of those states.

What to ask when you quote Mercury Insurance

Ask the agent whether Mercury writes in your state and whether MercuryGO is sold there, because the two state lists differ. Ask what participation discount applies at enrollment, how your driving score in the app would set the renewal price, and whether rental car benefit and roadside assistance are included in the quote or priced as separate add-ons at the limits you want.

Mercury Insurance is the brand of Mercury General Corporation, a California-incorporated public holding company in Los Angeles that writes personal auto through 12 insurance subsidiaries in 11 states. California dominates the book: of $3,591 million in 2025 private passenger auto direct premiums written, $3,083 million came from California, according to Mercury General's 2025 Form 10-K.

That concentration means California's Proposition 103 rules and California complaint data say more about Mercury than any national figure. Both are covered below.

Twelve insurers, one holding company

The 10-K says Mercury General is the parent of Mercury Casualty Company, a California auto insurer founded in 1961 by George Joseph, who chairs the board. Each subsidiary has a primary territory, and the one that issues a policy depends on the state.

Effective August 13, 2025, American Mercury Lloyds Insurance Company was converted from a Lloyd's plan to a stock company and renamed Mercury Insurance Company of Texas.

Auto premium by state, 2023 to 2025

Private passenger auto was 60.0% of Mercury's $5,983 million of total 2025 direct premiums written; homeowners was 27.3%. Auto premium grew from $2,842 million in 2023 to $3,396 million in 2024 and $3,591 million in 2025. California auto premium rose from $2,318 million in 2023 to $3,083 million in 2025, while Texas auto ranged between $122 million and $128 million and the nine other states together fell from $423 million in 2024 to $386 million in 2025. The 10-K reports a private passenger auto combined ratio of 89.5% for 2025.

In California, the 10-K says drivers who meet the state's good driver definition held about 85% of Mercury's voluntary auto policies in force at the end of 2025, and that about 99% of California auto renewal offers were accepted in 2025 and 2024.

How Mercury sells and who sets its rates

Mercury sells through a network of about 8,510 independent agents, of whom about 2,670 are in California, 1,140 in Florida and 1,910 in Texas, plus its wholly owned agencies AIS and PoliSeek and internet sales portals. Policies bought online are assigned to an agent or agency for service. Independent agents and agencies other than AIS and PoliSeek produced about 88% of 2025 direct premiums written, and none produced more than 3.0% in any of the last three years.

Rates need prior approval from the insurance department in California, Georgia, New York, New Jersey and Nevada. In Illinois, Texas, Virginia, Oklahoma and Arizona they must be filed before use, and Florida uses a modified use-and-file law. Under California's Proposition 103, the 10-K notes, rates must weigh driving record first, annual miles second and years of driving experience third, good drivers get at least a 20% discount, and an insurer may not refuse a good driver. The rate filing guide explains how to look up an approved filing.

Complaint data for Mercury companies

California's Automobile Complaint Composite Report counts justified complaints for every 100,000 earned exposures, motorcycles and motor homes included. Mercury Insurance Company, with about 1,535,043 exposures in 2025, read 1.2, down from 1.7 in 2024 and 2.2 in 2023, on 19, 26 and 36 justified complaints. California Automobile Insurance Company read 1.5 in 2025 on about 132,964 exposures, after 1.6 and 2.9.

Outside California, the readings are thin. New Jersey's 2023 report lists the Mercury General Group with 11,661 insured vehicles and no valid complaints; Mercury does not appear in the 2024 New Jersey report, where ratios are calculated only for companies with at least 10,000 insured autos. Colorado's reports do not list Mercury, which does not write there.

Mercury Insurance questions