This Mercury Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013 & 2014), the home & auto insurance complaint ratings for the subsidiary companies of Mercury Insurance Group, to determine whether each subsidiary, such as Mercury Casualty Company or California Automobile Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record. I’ll look at increases & decreases in market share (as measured by annual written premiums) for each Mercury Insurance subsidiary, as a possible indication of low or high insurance rates & pricing.
In addition to reviewing & rating its most recent six year complaint record, I’ll analyze the AM Best Financial Strength Ratings, and change in the JD Power home & auto insurance scores & ratings for Mercury insurance from 2012 to 2015, and compare them to the scores of leading competitors, like State Farm, Allstate, Travelers, Safeco, Nationwide, Hartford, Farmers, Progressive, & GEICO.
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Mercury Auto & homeowners Insurance Review
Mercury Insurance Group sells personal auto, home, condo, renters & personal liability umbrella policies through independent insurance agencies, located in communities throughout Arizona, California, Florida, Georgia, Illinois, Michigan, Nevada, New Jersey, New York, Oklahoma, Pennsylvania, Texas, & Virginia. Mercury is a major insurer of autos in California. Auto insurance quotes can be obtained through the Mercury Insurance Group website, or by using the ads at the top or bottom of this review.
This Mercury Insurance Group review is divided into five sections, consisting of: 1. AM Best Financial Strength Ratings for the Mercury companies 2. JD Power insurance customer & claims satisfaction scores & ratings for Mercury compared to competing companies 3. the auto insurance customer complaint records for the Mercury subsidiaries, 4. the homeowners insurance customer complaint records for the Mercury subsidiaries, and 5. the competitiveness of Mercury auto & home insurance rates compared to other major auto & home insurance companies.
1. AM Best Financial Strength Ratings for the Mercury Insurance Companies
These Mercury Insurance Group companies (California Automobile Insurance Company, Mercury Casualty Company, Mercury Indemnity Company of America, Mercury Indemnity Company of Georgia, Mercury Insurance Company, Mercury Insurance Company of Florida, Mercury Insurance Company of Georgia, Mercury Insurance Company of Illinois, and Mercury National Insurance Company) had their A+ (Superior) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) affirmed on 2/27/2015. A+ is the second highest rating for AM Best.
These Mercury Insurance Group subsidiary companies (American Mercury Insurance Company, American Mercury Lloyds Insurance Company, and Mercury County Mutual Insurance Company) have a lower AM Best rating of A- (Excellent) with a stable outlook (also affirmed 2/27/2015), which is the fourth highest rating for AM Best. I become concerned with any car or home insurance company or subsidiary with less than an A- rating for financial strength from AM Best.
Workmen’s Auto Insurance Company, a nonstandard auto insurance company designed to insure higher risk drivers purchased by Mercury Insurance Group recently in 2015, is not rated by AM Best.
AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for any of the Mercury Insurance Group companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best or not rated by AM Best, like Workmen’s Auto Insurance Company. Some major auto & home insurance companies have higher financial strength ratings than some of the Mercury companies, but the difference in financial strength among A++, A+, A, & A- rated companies is not significant to me unless higher rated companies are the same or better in terms of price, coverage, claims handling, and customer service.
2. Mercury JD Power Auto & Home Insurance Ratings for 2012, 2013, 2014, & 2015
This part of my review will analyze the JD Power ratings & numerical scores for Mercury Insurance, in all the JD Power insurance studies where the company was included in the last few years, to see if its JD Power ratings truly reflect the quality of the claims & customer service for the company.
I’ll compare the numerical scores (instead of the power circle rating) for Mercury auto & home insurance, to the industry average and the scores of competing insurance companies, for each JD Power insurance study (2012-2015) where it was rated. Mercury was included in the following annual JD Power insurance studies:
The Annual JD Power Auto Insurance Customer Satisfaction Study
The Annual JD Power Auto Insurance Claims Satisfaction Study
The Annual JD Power Auto Insurance Purchasing Experience Study
The Annual JD Power Homeowners Insurance Customer Satisfaction Study
You can scroll down to read my analysis or summaries of the studies most interesting to you.
The Annual JD Power Auto Insurance Customer Satisfaction Study
Mercury is usually rated in only one of the eleven regional studies (The California region, where it has most of its auto insurance customers) composing the annual JD Power US Auto Insurance Customer Satisfaction Study. If you live in a state other than California, the results for Mercury in California may still be a good proxy for how Mercury performs in your state.
California Region (State of CA only)
2015: Mercury scored 22 points (on a 1,000 point scale) or 2.2% below the 2015 California region average, at 781 out of 1,000 points.
Here is how Mercury rated in the California region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:
Policy Offerings: Two Power Circles (lowest rating)
Price: Three Power Circles (about average)
Billing & Payment: Two Power Circles (lowest rating)
Interaction: Three Power Circles (about average)
Claims: Three Power Circles (about average)
Overall Customer Satisfaction: Three Power Circles (about average)
21st Century scored about the same (one point above) as Mercury in the 2015 California Region study.
These companies scored .4% or more higher than Mercury in the 2015 California Region study (from highest scoring company to lowest scoring company): USAA, Wawanesa, Hartford, Auto Club of Southern California, Ameriprise, State Farm, Esurance, GEICO, Progressive, Allstate, CSAA, Farmers, Safeco, Nationwide, and Liberty Mutual.
These companies scored 1.3% or more lower than Mercury in the 2015 California Region study (from highest scoring company to lowest scoring company): Travelers, & Infinity.
2014: Mercury scored 10 points (on a 1,000 point scale) or 1% below the 2014 California region average, at 785 out of 1,000 points.
Here is how Mercury rated in the California region for the five factors used to determine its overall auto insurance customer satisfaction score in 2014:
Policy Offerings: Three Power Circles (about average)
Price: Three Power Circles (about average)
Billing & Payment: Three Power Circles (about average)
Interaction: Three Power Circles (about average)
Claims: Two Power Circles (lowest rating)
Overall Customer Satisfaction: Three Power Circles (about average)
These companies scored 1% or more higher than Mercury in the 2014 California Region study: USAA, Wawanesa, Ameriprise, Auto Club of Southern California, The Hartford, State Farm, and GEICO.
These companies scored .8% or more lower than Mercury in the 2014 California Region study: Safeco, Nationwide, CSAA/AAA NCNU, Farmers, 21st Century, and Travelers.
2013: Mercury scored 3 points (on a 1,000 point scale) or .3% below the 2013 California region average, at 774 out of 1,000 points.
These companies scored 1.1% or more higher than Mercury in the 2013 California Region study: USAA, Wawanesa, State Farm, The Hartford, Auto Club of Southern California, GEICO, Ameriprise, Safeco, and Progressive.
These companies scored 1.3% or more lower than in the 2013 California Region study: Nationwide, 21st Century, Travelers, Kemper, Farmers, and Infinity P&C.
2012: scored 5 points (on a 1,000 point scale) or .5% below the 2012 California region average, at 780 out of 1,000 points.
These companies scored 1.2% or more higher than Mercury in the 2012 California Region study: USAA, Wawanesa, Auto Club of Southern California, State Farm, GEICO, The Hartford, and Ameriprise.
These companies scored 1.6% or more lower than Mercury in the 2012 California Region study: Allstate, Nationwide, 21st Century, Farmers, and Infinity P&C.
California Region Auto Insurance Satisfaction Summary: Mercury scored .5%, .3%, 1%, and 2.2% below the region average each year in the 2012, 2013, 2014, & 2015 studies respectively, showing a starting trend of below average auto insurance customer satisfaction in California over the most recent two years.
The Annual JD Power Auto Insurance Claims Satisfaction Study
2015: Mercury scored 6 points (on a 1,000 point scale) or .6% below the 2015 US auto claims satisfaction study average, at 851 out of 1,000 points.
Here is how Mercury rated in the six factors used to determine its overall auto insurance claims satisfaction score in 2015:
First Notice of Loss: Three Power Circles (about average)
Service Interaction: Three Power Circles (about average)
Appraisal: Two Power Circles (lowest rating)
Repair Process: Two Power Circles (lowest rating)
Rental Car Experience: Three Power Circles (about average)
Settlement: Three Power Circles (about average)
Overall Auto Claims Satisfaction: Three Power Circles (about average)
These insurance companies scored about the same (from three points above to three points below) as Mercury in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): GEICO, Liberty Mutual, Progressive, Country, Travelers, and CSAA Insurance Group.
These insurance companies scored .7% or more higher than Mercury in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): New Jersey Manufacturers, Auto Owners, USAA, Amica, Auto Club of Southern California, Hartford, Nationwide, Erie, Allstate, American Family, Farmers, Safeco, and State Farm.
These insurance companies scored .8% or more lower than Mercury in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): New Jersey Manufacturers, Auto Owners, USAA, Amica, Auto Club of Southern California, Hartford, Nationwide, Erie, Allstate, American Family, Farmers, Safeco, State Farm, GEICO, Liberty Mutual, Progressive, Country Financial, Mercury, Travelers, CSAA Insurance Group, 21st Century, Hanover, Metlife, Automobile Club Group, Esurance, and MAPFRE-Commerce Insurance.
2014: Mercury scored 1 point (on a 1,000 point scale) or .1% below the 2014 JD Power Auto Claims Satisfaction study average, at 856 out of 1,000 points.
Here is how Mercury rated in the six factors used to determine its overall auto insurance claims satisfaction score in 2014:
First Notice of Loss: Three Power Circles (about average)
Service Interaction: Three Power Circles (about average)
Appraisal: Three Power Circles (about average)
Repair Process: Three Power Circles (about average)
Rental Car Experience: Two Power Circles (lowest rating)
Settlement: Three Power Circles (about average)
Overall Auto Claims Satisfaction: Three Power Circles (about average)
These companies scored .8% or more higher than Mercury in the 2014 JD Power Auto Claims Satisfaction study: Amica, USAA, Auto-Owners, State Farm, American Family, Auto Club of Southern California, The Hartford and New Jersey Manufacturers Insurance.
These companies scored 1.4% or more lower than Mercury in the 2014 JD Power Auto Claims Satisfaction study: Metlife, Farmers, Progressive, Auto Club, CSAA/AAA NCNU, 21st Century, Liberty Mutual, Esurance, and MAPFRE-Commerce.
2013: Mercury scored 7 points (on a 1,000 point scale) or .7% below the 2013 JD Power Auto Claims Satisfaction study average, at 848 out of 1,000 points.
These companies scored 1.4% or more higher than Mercury in the 2013 JD Power Auto Claims Satisfaction study: USAA, NJ Manufacturers, Auto Club of Southern California, Auto-Owners, The Hartford, Erie, Amica, Travelers, State Farm, American Family, Nationwide, and The Hanover.
These companies scored 1.9% or more lower than Mercury in the 2013 JD Power Auto Claims Satisfaction study: MAPFRE-Commerce, Farmers, 21st Century, and Esurance.
2012: Mercury scored 28 points (on a 1,000 point scale) or 2.8% below the 2012 JD Power Auto Claims Satisfaction study average, at 824 out of 1,000 points.
These companies scored 1.4% higher than Mercury, but still scored below the study average: Auto Club, The Hanover, Liberty Mutual, GEICO, Progressive, Metlife, Safeco, & Farmers.
These companies scored 2.3% or more higher than Mercury in the 2012 JD Power Auto Claims Satisfaction study: NJ Manufacturers, USAA, Auto-Owners, Amica, Erie, Automobile Club of Southern California, Country, American Family, The Hartford, State Farm, Allstate, Travelers, CSAA/AAA NCNU, Nationwide, and GMAC (Now called National General).
These companies scored .3% or more lower than Mercury in the 2012 JD Power Auto Claims Satisfaction study: 21st Century, Encompass, Esurance, and Commerce (MAPFRE).
Auto Insurance Claims Satisfaction Summary: In spite of improving scores each year and a move towards almost average in 2014, Mercury scored 2.8%, .7%, .1%, and .6% below the national average each year in the 2012, 2013, 2014, & 2015 studies respectively, showing a trend of below average satisfaction in the national JD Power Auto Claims Satisfaction study.
The Annual JD Power Auto Insurance Purchase Experience Study
In my opinion, the JD Power Auto Insurance Purchase Experience Study is the least important JD Power study for choosing a car insurance company. A car insurance company with terrible claims handling and customer service, but with an easy purchasing experience, is not a reason to choose an auto insurance company. Besides, buying auto insurance with most companies is easier than ever in 2016, and even before technology simplified things, the ease & accuracy of the sales process always depended more on the experience and customer focus of the agent quoting you, not the choice of insurance company.
However, this study is useful as a sign of competitive pricing, since a company’s score is a reflection of the satisfaction of auto insurance shoppers with the prices they were quoted by the insurance company. This study considers and rates three categories: price, distribution channel (Website, Local Agent, Call Center Representative), and policy offerings, to determine a company’s numerical score for overall satisfaction in the purchasing experience.
Don’t rely on how Mercury performed in this auto insurance shopping study to tell you if you are getting a good price or you are paying too much for your auto insurance coverage. The opinions of people in a survey about the auto insurance rates they were quoted, are not reliable for knowing the company with the best price for you, because so many individual rating factors specific to you are used to determine your insurance rates. A company with a low rate for one person (or even many people) may not have a low rate for you, and vice versa, companies with a reputation for high auto insurance rates may have the best rate for you.
2016: Mercury scored 7 points (on a 1,000 point scale) or .7% above the 2016 JD Power Auto Insurance Purchase Experience study average, at 833 out of 1,000 points.
The 2016 U.S. Insurance Shopping Study was based on responses from more than 17,000 shoppers who requested an auto insurance price quote from at least one competitive insurer in the past 9 months and includes more than 50,000 unique customer evaluations of insurers. The study was fielded in April, July & October 2015, and January 2016.
Here is how Mercury rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2016:
Pricing: Four Power Circles (better than most)
Website: Not rated
Local Agent: Three Power Circles (about average)
Call Center Representative: Three Power Circles (about average)
Policy Offerings: Four Power Circles (better than most)
Overall Auto Insurance Purchase Satisfaction: Four Power Circles (better than most)
These companies also rated better than average for lower auto insurance rates in the 2016 JD Power Auto Insurance Purchase Experience study: USAA, Erie, Liberty Mutual, The Hartford, American Family, Automobile Club Group, Travelers, Ameriprise, and CSAA Insurance Group.
These companies rated worse than average for lower auto insurance rates in the 2016 JD Power Auto Insurance Purchase Experience study: Progressive, Allstate, 21st Century, and MetLife.
2015: Mercury scored 42 points (on a 1,000 point scale) or 4.2% below the 2015 JD Power Auto Insurance Purchase Experience study average, at 791 out of 1,000 points.
The 2015 U.S. Insurance Shopping Study is based on responses from more than 15,600 shoppers who requested an auto insurance price quote from at least one competitive insurer in the past 9 months and includes more than 50,000 unique customer evaluations of insurers. The study was fielded in May, July and October 2014, and January 2015.
Mercury was the lowest scoring company in the 2015 JD Power Auto Insurance Purchase Experience study, with the next lowest scoring company, Allied, scoring 11 points or 1.1% higher than Mercury.
Here is how Mercury rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2015:
Pricing: Two Power Circles (lowest rating)
Website: Not rated.
Local Agent: Two Power Circles (lowest rating)
Call Center Representative: Two Power Circles (lowest rating)
Policy Offerings: Two Power Circles (lowest rating)
Overall Auto Insurance Purchase Satisfaction: Two Power Circles (lowest rating)
These companies rated better than average for lower auto insurance rates in the 2015 JD Power Auto Insurance Purchase Experience study: USAA, Erie, Ameriprise (available through Costco), The Hartford, California State Auto Association, Amica Mutual, Liberty Mutual, Auto Club Group, Travelers, & GEICO.
These companies rated worse than average for lower auto insurance rates in the 2015 JD Power Auto Insurance Purchase Experience study: Progressive, Allied, & Mercury.
JD Power Auto Insurance Purchase Experience Summary: Mercury received the lowest score in last year’s 2015 study, 1.1% below the next lowest scoring company, showing the auto insurance purchase experience is much better will all the other companies included in the 2015 study, the biggest factor impacting the score in the 2015 study was Pricing, so it may many shopper were dissatisfied at that time by the auto insurance price quote they received from Mercury.
However, Mercury had a much-improved score in the 2016 study, and received a better-than-average rating in the Pricing category, which is a strong indication Mercury now has more competitive auto insurance rates among many auto insurance shoppers.
Don’t rely solely on how Mercury or any other auto insurance company performed in this auto insurance shopping study to tell you if you are getting a good price or you are paying too much for your auto insurance coverage. The opinions of people in a survey about the auto insurance rates they were quoted, are not reliable for knowing the company with the best or worst rates for you, because so many individual rating factors specific to you are used to determine your insurance rates. A company with a low rate for one person (or even many people) may not have a low rate for you, and vice versa, companies with a reputation for high auto insurance rates, like Mercury in the 2015 study, may have the best rate for you.
The Annual JD Power Homeowners Insurance Customer Satisfaction Study
2015: Mercury scored 4 points (on a 1,000 point scale) or .4% below the 2015 JD Power Homeowners Insurance Customer Satisfaction study average, at 783 out of 1,000 points.
Here is how Mercury rated in the five factors used to determine its overall homeowners insurance customer satisfaction score in 2015:
Policy Offerings: Three Power Circles (about average)
Price: Four Power Circles (better than most)
Billing & Payment: Three Power Circles (about average)
Contacting the Insurer: Three Power Circles (about average)
Claims: Two Power Circles (lowest rating)
Overall Homeowners Insurance Satisfaction: Three Power Circles (about average)
Cincinnati Insurance scored the same as Mercury in the 2015 JD Power Homeowners Insurance Customer Satisfaction study.
These companies scored .3% or more higher than Mercury in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): USAA, Amica, Auto-Owners, Erie, Auto Club of Southern California, GEICO, American Family, COUNTRY Financial, Shelter, State Farm, Nationwide, Allstate, California State Auto Association (CSAA), Hartford, Chubb, and Progressive.
These companies scored .4% or more lower than Mercury in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): Farmers, Encompass, Automobile Club Group, Metlife, Kemper, Liberty Mutual, Safeco, Travelers, and Hanover.
2014: Mercury scored 1 point (on a 1,000 point scale) or .1% above the 2014 JD Power Homeowners Insurance Customer Satisfaction study average, at 791 out of 1,000 points.
Here is how Mercury rated in the five factors used to determine its overall homeowners insurance customer satisfaction score in 2014:
Policy Offerings: Three Power Circles (about average)
Price: Four Power Circles (better than most)
Billing & Payment: Three Power Circles (about average)
Interaction: Four Power Circles (better than most)
Claims: Two Power Circles (lowest rating)
Overall Homeowners Insurance Satisfaction: Three Power Circles (about average)
These companies scored 1.3% or more higher than Mercury in the 2014 JD Power Homeowners Insurance Customer Satisfaction study: USAA, Amica, Auto-Owners, State Farm, Erie, American Family, and Auto Club of Southern California.
These companies scored 1.1% or more lower than Mercury in the 2014 JD Power Homeowners Insurance Customer Satisfaction study: Nationwide, Safeco, Farmers, Metlife, Liberty Mutual, Travelers, Auto Club, Progressive, and The Hanover.
2013: Mercury was not an insurance company included in the 2013 JD Power Homeowners Insurance Customer Satisfaction study.
2012: Mercury scored 6 points (on a 1,000 point scale) or .6% below the 2012 JD Power Homeowners Insurance Customer Satisfaction study average, at 779 out of 1,000 points.
These companies scored 1.5% or more higher than Mercury in the 2012 JD Power Homeowners Insurance Customer Satisfaction study: USAA, Amica, Auto Club of Southern California, Erie, American Family, Shelter, Cincinnati Insurance, State Farm, Nationwide, Auto-Owners, Chubb, and Country.
These companies scored .8% or more lower than Mercury in the 2012 JD Power Homeowners Insurance Customer Satisfaction study: Auto Club, CSAA/AAA NCNU, The Hanover, Liberty Mutual, Metlife, Farmers, and Travelers.
Homeowners Insurance Customer Satisfaction Summary: Mercury scored .7% below, .1% above, and .4% below the national average each year in the 2012, 2014, & 2015 studies respectively, showing about average satisfaction in the national JD Power Homeowners Insurance Customer Satisfaction study, although its performance in 2013 is unknown due to Mercury not being included in the 2013 study.
Mercury Auto & Homeowners Insurance Complaint Record 2009-2014
You may really like your car or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are best, but you never really know how good your insurance company will be, until you have a serious claim. A great way to evaluate an auto or home insurance company’s claims service is to look at its customer complaint record.
A measure of quality for an auto or homeowners insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, compared to the industry average and competing companies. Some of the most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim.
Sections #3 & #4 of this review will show you if Mercury auto & home insurance has a better-than-average, average, or below-average complaint record, based on its 2009, 2010, 2011, 2012, 2013 & 2014 customer complaint statistics. These sections of the review provides valuable information, to help you decide if Mercury, or a competitor, like AAA or Farmers, is a better insurance company for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.
The complaint statistics, called complaint ratios, used in this Mercury Insurance review are the number of upheld complaints filed against each of the Mercury companies with a state’s insurance regulatory authority, adjusted for each subsidiary’s market share, as determined by the National Association of Insurance Commissioners.
The complaint ratios for the Mercury insurance companies listed below display the ratio of the company’s U.S. Market Share of closed complaints compared to the company’s U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an auto or home insurance company with complaint ratios less than 1.00 each year, at least over the most recent three years.
So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if Mercury has a good or poor complaint record.
Here’s how I establish my auto & homeowners insurance complaint ratings:
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.05 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.95 to .75).
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $50,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as very small market share.
3. Mercury Auto Insurance Complaint Statistics & Ratings
Mercury auto insurance complaint record considering all subsidiaries:
Better than average (California & New Jersey)
Average (Texas)
Worse than average (all states other than California, New Jersey, & Texas)
Most of Mercury’s customers are in California, but complaint performance varies greatly among Mercury subsidiary, so please check the complaint record for the Mercury subsidiary insuring or quoting you (its proper name will be on your insurance ID card or auto insurance quote), which this review shows you below.
Mercury Insurance Group has twelve subsidiary companies insuring private passenger vehicles in the thirteen states where the company sells auto insurance. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing to specific risk profiles (for example, drivers with a clean driving record vs. drivers with tickets and accidents), operate in a certain US state or group of states, or offer different lines of insurance, such as snowmobile/ ATV insurance, Motor Home / RV insurance, or motorcycle insurance. Each subsidiary has its own pricing, so rates will vary, if you are eligible for more than one Mercury auto insurance subsidiary.
American Mercury Lloyd’s Insurance Company had only $392,281 in 2012 US auto insurance premiums ($325,565 in 2013 and $306,711 in 2014), and Mercury Insurance Company of Georgia had only $496,996 in 2012 US auto insurance premiums ($390,986 in 2013 and $252,962 in 2014), thereby having too few auto insurance customers, to be included in this auto insurance complaints analysis.
The auto insurance complaint record for Workmen’s Auto Insurance Company, the nonstandard auto insurance company recently purchased by Mercury Insurance Group, is shown here in my Workmen’s Auto Insurance Company review.
Here is the auto insurance complaint data for each of the remaining Mercury subsidiaries:
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.69)
2015 US auto insurance premium = $1,472,824,840
2014 Auto Insurance Complaint Ratio = B (.73)
2014 US auto insurance premium = $1,416,406,840
2013 Auto Insurance Complaint Ratio = B (.64)
2013 US auto insurance premium = $1,350,176,279
2012 Auto Insurance Complaint Ratio = B (.56)
2012 US auto insurance premium = $1,287,786,742
2011 Auto Insurance Complaint Ratio = B (.42)
2011 US auto insurance premium = $1,225,596,659
2010 Auto Insurance Complaint Ratio = B (.42)
2010 US auto insurance premium = $1,201,450,391
2009 Auto Insurance Complaint Ratio = B (.45)
Mercury Insurance Company is available in California only.
The Mercury Insurance Company subsidiary has a better-than-average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst year during this period (2014), at 73% of the industry average. The auto insurance market share for Mercury Insurance Company has increased each year since 2010, which may be an indication Mercury Insurance Company has competitive auto insurance rates.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C+ (.80) 2
2015 US auto insurance premium = $28,335,458
2014 Auto Insurance Complaint Ratio = B (.34)
2014 US auto insurance premium = $31,995,648
2013 Auto Insurance Complaint Ratio = B (.29)
2013 US auto insurance premium = $37,541,662
2012 Auto Insurance Complaint Ratio = B (.61)
2012 US auto insurance premium = $44,442,826
2011 Auto Insurance Complaint Ratio = C- (1.10)
2011 US auto insurance premium = $46,549,109
2010 Auto Insurance Complaint Ratio = B (.58)
2010 US auto insurance premium = $44,080,732
2009 Auto Insurance Complaint Ratio = W (1.96)
The American Mercury Insurance Company subsidiary has a better-than-average auto insurance complaint history over the last three years, but with higher than average auto insurance complaint ratios in 2009 & 2011. I prefer a company with a consistent history of better-than-average complaint ratios for at least the most recent three years. The auto insurance market share for American Mercury Insurance Company has decreased each year since 2011, which may be an indication American Mercury Insurance Company does not have competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.19)
2015 US auto insurance premium = $61,198,238
2014 Auto Insurance Complaint Ratio = W (4.12)
2014 US auto insurance premium = $67,954,552
2013 Auto Insurance Complaint Ratio = W (3.02)
2013 US auto insurance premium = $68,292,942
2012 Auto Insurance Complaint Ratio = W (1.30)
2012 US auto insurance premium = $195,272,557
2011 Auto Insurance Complaint Ratio = B (.44)
2011 US auto insurance premium = $347,538,391
2010 Auto Insurance Complaint Ratio = B (.57)
2010 US auto insurance premium = $358,994,982
2009 Auto Insurance Complaint Ratio = B (.65)
Mercury Casualty Company insures personal use autos in Arizona, California, Florida, Nevada, New York, & Virginia only.
The Mercury Casualty Company subsidiary has a worse-than-average auto insurance complaint record each year from 2012 to 2014, but better-than-average auto insurance complaint ratios in 2009, 2010 & 2011. I prefer a company with a consistent history of better-than-average complaint ratios, particularly in the most recent years. The auto insurance market share for Mercury Casualty Company has had a huge decline each year since 2011 (leveling off from 2013 to 2014), which may be an indication Mercury Casualty Company no longer has competitive auto insurance rates, or the subsidiary is not selling new auto insurance policies, and/or non-renewing current auto insurance customers.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.23)
2015 US auto insurance premium = $151,309,868
2014 Auto Insurance Complaint Ratio = C+ (.77)
2014 US auto insurance premium = $125,329,973
2013 Auto Insurance Complaint Ratio = B (.61)
2013 US auto insurance premium = $123,846,625
2012 Auto Insurance Complaint Ratio = B (.52)
2012 US auto insurance premium = $140,455,819
2011 Auto Insurance Complaint Ratio = W (1.43)
2011 US auto insurance premium = $119,140,485
2010 Auto Insurance Complaint Ratio = W (2.17)
2010 US auto insurance premium = $85,731,645
2009 Auto Insurance Complaint Ratio = W (1.84)
Mercury Indemnity Company of America is available in New Jersey and Florida only.
The Mercury Indemnity Company of America subsidiary has a lower than average number of auto insurance complaints each year from 2012 to 2014, but worse-than-average auto insurance complaint ratios in 2009, 2010 & 2011. I prefer a company with a consistent history of better-than-average complaint ratios for at least the most recent three years. The auto insurance market share for Mercury Indemnity Company of America is lower in 2013 & 2014 than it was in 2012, which may be an indication Mercury Indemnity Company of America no longer has competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C (1.02)
2015 US auto insurance premium = $434,035,148
2014 Auto Insurance Complaint Ratio = B (.63)
2014 US auto insurance premium = $411,961,727
2013 Auto Insurance Complaint Ratio = B (.42)
2013 US auto insurance premium = $384,535,395
2012 Auto Insurance Complaint Ratio = B (.24)
2012 US auto insurance premium = $225,582,921
2011 Auto Insurance Complaint Ratio = B (.32)
2011 US auto insurance premium = $80,554,348
2010 Auto Insurance Complaint Ratio = B (.33)
2010 US auto insurance premium = $103,160,200
2009 Auto Insurance Complaint Ratio = C+ (.81)
California Automobile Insurance Company is available in California only.
The California Automobile Insurance Company subsidiary has a better-than-average auto insurance complaint record during the most recent five of the last six years, with its number of auto insurance complaints in its worst year from 2009 to 2014, at 81% of the industry average. The auto insurance market share for California Automobile Insurance Company had a huge increase since 2011 and growing each year through 2014, which may be a strong indication California Automobile Insurance Company has competitive auto insurance rates.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.35)
2015 US auto insurance premium = $65,628,188
2014 Auto Insurance Complaint Ratio = B (.64)
2014 US auto insurance premium = $50,648,491
2013 Auto Insurance Complaint Ratio = C- (1.07)
2013 US auto insurance premium = $50,695,890
2012 Auto Insurance Complaint Ratio = B (.15)
2012 US auto insurance premium = $60,201,328
2011 Auto Insurance Complaint Ratio = B (.14)
2011 US auto insurance premium = $59,892,240
2010 Auto Insurance Complaint Ratio = B (.27)
2010 US auto insurance premium = $62,270,372
2009 Auto Insurance Complaint Ratio = C+ (.83)
Mercury County Mutual Insurance Company is available in Texas only.
The Mercury County Mutual Insurance Company subsidiary had a lower than average number of auto insurance complaints in five of the last six years, but had a slightly higher than average number of auto insurance complaints in 2013 at 7% more than the industry average. The auto insurance market share for Mercury County Mutual Insurance Company is lower in 2013 & 2014 than it was in 2012, which may be an indication Mercury County Mutual Insurance Company does not have competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $9,196,127
2014 Auto Insurance Complaint Ratio = B (0) (No complaints)
2014 US auto insurance premium = $11,831,772
2013 Auto Insurance Complaint Ratio = C- (1.09)
2013 US auto insurance premium = $9,930,159
2012 Auto Insurance Complaint Ratio = W (1.42)
2012 US auto insurance premium = $6,372,287
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $4,540,014
2010 Auto Insurance Complaint Ratio = B (0) (No complaints)
2010 US auto insurance premium = $5,526,808
2009 Auto Insurance Complaint Ratio = B (0) (No complaints)
Mercury National Insurance Company is a subsidiary with an extremely small auto insurance market share, and it’s available in Illinois & Michigan only.
The Mercury National Insurance Company subsidiary had no auto insurance complaints in 2009, 2010, 2011 and 2014, and one auto insurance complaint each year in 2012 & 2013. Because of its extremely small share of the auto insurance market, that one complaint in 2012 resulted in a worse-than-average auto insurance complaint ratio of 1.42. In 2013, because of its now larger auto insurance market share, the one auto insurance complaint resulted in a ratio only 9% above the industry average. The auto insurance market share for Mercury National Insurance Company has increased each year since 2011, which may be a sign of competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.70) 2
2015 US auto insurance premium = $32,470,196
2014 Auto Insurance Complaint Ratio = C+ (.94)
2014 US auto insurance premium = $22,826,810
2013 Auto Insurance Complaint Ratio = B (.39)
2013 US auto insurance premium = $28,054,859
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $29,890,405
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $24,878,919
2010 Auto Insurance Complaint Ratio = B (0) (No complaints)
2010 US auto insurance premium = $19,271,985
2009 Auto Insurance Complaint Ratio = B (0) (No complaints)
Mercury Indemnity Company of Georgia, not to be confused with the other similarly named Mercury subsidiary, Mercury Insurance Company of Georgia (see the home insurance complaints section of this review), is available in the state of Georgia only.
The Mercury Indemnity Company of Georgia subsidiary has a lower than average number of auto insurance complaints each year from 2009 to 2014, with no auto insurance complaints in 2009, 2010, 2011 and 2012, but has moved close to the average for 2014, with a number of auto insurance complaints at 94% of the industry average. The auto insurance market share for Mercury Indemnity Company of Georgia has decreased each year since 2012, which may be a sign Mercury Indemnity Company of Georgia no longer has competitive pricing for its auto insurance or is no longer selling new policies.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $6,176,640
2014 Auto Insurance Complaint Ratio = W (1.86)
2014 US auto insurance premium = $5,770,898
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $9,117,052
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $14,529,238
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $17,951,039
2010 Auto Insurance Complaint Ratio = B (0) (No complaints)
2010 US auto insurance premium = $21,957,212
2009 Auto Insurance Complaint Ratio = C- (1.13)
Mercury Insurance Company of Illinois insures personal autos in Illinois & Pennsylvania only.
The Mercury Insurance Company of Illinois subsidiary had no auto insurance complaints in four of the last six years, but had a higher than average number of auto insurance complaints in 2009 and 2014. When subsidiaries have an extremely small market share in a line of insurance, such as auto insurance for Mercury Insurance Company of Illinois, a single complaint in a year can give it a high complaint ratio. This is the case for Mercury Insurance Company of Illinois in 2014. The occasional year with a worse-than-average complaint ratio caused by one or two complaints, such as 2014, should not be a reason to expect below average claims or customer service from this subsidiary.
The auto insurance market share for Mercury Insurance Company of Illinois has decreased each year since 2010, which may be a sign Mercury Insurance Company of Illinois does not have competitive pricing for its auto insurance, or it may not be selling new auto insurance policies, and/or cancelling current customers.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.65) 2
2015 US auto insurance premium = $35,197,180
2014 Auto Insurance Complaint Ratio = W (2.64)
2014 US auto insurance premium = $48,957,637
2013 Auto Insurance Complaint Ratio = C+ (.76)
2013 US auto insurance premium = $71,642,022
2012 Auto Insurance Complaint Ratio = C+ (.89)
2012 US auto insurance premium = $102,030,730
2011 Auto Insurance Complaint Ratio = B (.61)
2011 US auto insurance premium = $140,741,630
2010 Auto Insurance Complaint Ratio = B (.31)
2010 US auto insurance premium = $164,873,799
2009 Auto Insurance Complaint Ratio = B (.54)
Mercury Insurance Company of Florida is available in Florida & Pennsylvania only.
The Mercury Insurance Company of Florida subsidiary has lower than average number of auto insurance complaints each year from 2009 to 2013, but its number of auto insurance complaints in 2014 was 264% of the industry average. The auto insurance market share for Mercury Insurance Company of Florida has decreased a great amount each year since 2010, which may be a strong indication Mercury Insurance Company of Florida does not have competitive pricing for its auto insurance and/or is canceling its customers auto insurance policies.
4. Mercury Homeowners (including Condo, Mobile Home, & Renters) Insurance Complaint Statistics & Ratings
Mercury home insurance complaint record considering all subsidiaries:
Worse than average
Mercury Insurance Group sells home insurance through seven subsidiary companies. As stated previously, insurance companies use more than one subsidiary for various reasons, such as to provide coverage in a specific state or states, or to offer different insurance products. Each subsidiary has its own pricing, so rates will vary, if you are eligible for more than one Mercury home insurance subsidiary.
Mercury Indemnity Company of Georgia had only $137,146 in 2012 US home insurance premiums ($0 in 2013 and 2014), so it’s not included in this home insurance complaints analysis, as it is no longer insuring homes.
Here is the home insurance complaint data for each of the remaining Mercury subsidiaries:
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (5.26) 3
2015 US home insurance premium = $5,679,253
2014 Home Insurance Complaint Ratio = W (4.17)
2014 US home insurance premium = $6,853,581
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $7,593,602
2012 Home Insurance Complaint Ratio = W (1.34)
2012 US home insurance premium = $6,135,896
2011 Home Insurance Complaint Ratio = W (1.26)
2011 US home insurance premium = $12,861,469
2010 Home Insurance Complaint Ratio = C- (1.15)
2010 US home insurance premium = $15,890,551
2009 Home Insurance Complaint Ratio = C (.98)
American Mercury Insurance Company has an extremely small share of the home insurance market, and has very few home insurance customers.
The American Mercury Insurance Company subsidiary has a higher than average number of home insurance complaints in four of the last six years, with its number of home insurance complaints in its worst year during this period (2014), at 417% of the industry average. When subsidiaries have extremely small market share in a line of insurance, such as home insurance, like American Mercury Insurance Company, one or two complaints, will give it much higher complaint ratios. This is the case in 2010, 2011, & 2012 for American Mercury Insurance Company. In 2014, it had 3 homeowners insurance complaints. The home insurance market share for American Mercury Insurance Company has decreased since 2010, and dropped again from 2013 to 2014, which may indicate American Mercury Insurance Company no longer has competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (1.52)
2015 US home insurance premium = $196,952,915
2014 Home Insurance Complaint Ratio = C (.97)
2014 US home insurance premium = $295,805,804
2013 Home Insurance Complaint Ratio = C- (1.23)
2013 US home insurance premium = $283,904,956
2012 Home Insurance Complaint Ratio = B (.37)
2012 US home insurance premium = $268,825,354
2011 Home Insurance Complaint Ratio = B (.74)
2011 US home insurance premium = $242,499,979
2010 Home Insurance Complaint Ratio = B (.70)
2010 US home insurance premium = $222,978,200
2009 Home Insurance Complaint Ratio = B (.67)
Mercury Casualty Company insures homes in Arizona, California, Florida, Nevada, New York, & Virginia only.
The Mercury Casualty Company subsidiary has a lower than average number of home insurance complaints from 2009 to 2012, but its number of home insurance complaints in 2013 was 23% more than the industry average and 97% of the industry average in 2014. The home insurance market share for Mercury Casualty Company has increased each year since 2010, which may be an indication of competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $5,431,781
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $4,775,368
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $4,196,944
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $3,461,616
2011 Home Insurance Complaint Ratio = W (3.40)
2011 US home insurance premium = $2,385,540
2010 Home Insurance Complaint Ratio = W (8.01)
2010 US home insurance premium = $1,140,733
2009 Home Insurance Complaint Ratio = No home insurance policies in force.
2009 US home insurance premium = $0
Mercury Indemnity Company of America is available in New Jersey and Florida only, and its extremely small number of home insurance customers may mean its home insurance is not available to many people living in either state.
The Mercury Indemnity Company of America subsidiary had worse-than-average home insurance complaint ratios in 2010 & 2011, but has had no home insurance complaints in 2012, 2013, or 2014. When subsidiaries have extremely small market share in a line of insurance such as home insurance, like Mercury Indemnity Company of America, a single complaint each year, will give it a high complaint ratio. This is the case in 2010 & 2011 for Mercury Indemnity Company of America. Although it’s still an insurer with extremely small home insurance market share, Mercury Indemnity Company of America has grown its number of home insurance customers each year since 2010, which may be an indication of competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $14,140,992
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $13,250,243
2013 Home Insurance Complaint Ratio = C+ (.93)
2013 US home insurance premium = $11,705,909
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $10,065,508
2011 Home Insurance Complaint Ratio = W (2.05)
2011 US home insurance premium = $3,964,835
2010 Home Insurance Complaint Ratio = W (5.95)
2010 US home insurance premium = $1,535,868
2009 Home Insurance Complaint Ratio = W (5.04)
American Mercury Lloyd’s Insurance Company is available in Texas only.
The American Mercury Lloyd’s Insurance Company subsidiary has an inconsistent home insurance complaint history, with worse-than-average home insurance complaint ratios in 2009, 2010 & 2011, no home insurance complaints in 2012 & 2014, and a slightly less than average home insurance complaint ratio in 2013. When subsidiaries have extremely small market share in a line of insurance, such as home insurance, like American Mercury Lloyd’s Insurance Company, a single complaint each year will give it a high complaint ratio. This is the case American Mercury Lloyd’s Insurance Company in 2009, 2010, & 2011. Although it’s still an insurer with small home insurance market share, American Mercury Lloyd’s Insurance Company has grown its number of home insurance customers each year since 2010, which may be an indication of competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = C+ (.76) 1
2015 US home insurance premium = $13,163,173
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $13,895,076
2013 Home Insurance Complaint Ratio = W (1.52)
2013 US home insurance premium = $14,274,781
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $12,653,692
2011 Home Insurance Complaint Ratio = B (0) (No complaints)
2011 US home insurance premium = $7,114,197
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $4,480,377
2009 Home Insurance Complaint Ratio = B (0) (No complaints)
Mercury Insurance Company of Georgia, not to be confused with the other similarly named Mercury subsidiary, Mercury Indemnity Company of Georgia (see the auto insurance complaints section of this review), has a growing, but a very small home insurance market share. Mercury Insurance Company of Georgia is available in the state of Georgia only.
The Mercury Insurance Company of Georgia subsidiary had no home insurance complaints in 2009, 2010, 2011, 2012, and 2014, but had two home insurance complaints in 2013, giving it an home insurance complaint ratio 52% above the industry average, due to its very small market share. This one year with a worse-than-average home insurance complaint ratio should not be a reason to expect below average claims or customer service from this subsidiary. The home insurance market share for Mercury Insurance Company of Georgia decreased from 2013 to 2014, which may be an indication Mercury Insurance Company of Georgia no longer has competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $2,805,352
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $2,652,390
2013 Home Insurance Complaint Ratio = W (3.73)
2013 US home insurance premium = $2,917,081
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $3,289,324
2011 Home Insurance Complaint Ratio = B (0) (No complaints)
2011 US home insurance premium = $2,590,104
2010 Home Insurance Complaint Ratio = W (2.88)
2010 US home insurance premium = $3,174,834
2009 Home Insurance Complaint Ratio = B (0) (No complaints)
Mercury Insurance Company of Illinois is available in Illinois & Pennsylvania only, and its extremely small number of home insurance customers may mean its home insurance is not available to many people living in either state.
The Mercury Insurance Company of Illinois subsidiary has an inconsistent home insurance complaint history, with a worse-than-average home insurance complaint ratio in 2010 & 2013, but no home insurance complaints in 2009, 2011, 2012, or 2014. When subsidiaries have extremely small market share in a line of insurance, such as home insurance, like Mercury Insurance Company of Illinois, a single complaint in a year, will give it a high complaint ratio. This is the case for Mercury Insurance Company of Illinois in 2010 & 2013. The home insurance market share for Mercury Insurance Company of Illinois decreased each year since 2012, which may be an indication Mercury Insurance Company of Illinois does not have competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.61)
2015 US home insurance premium = $146,657,511
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $21,063,163
2013 Home Insurance Complaint Ratio = No home insurance policies in force
2013 US home insurance premium = $0
California Automobile Insurance Company is available in California only.
The California Automobile Insurance Company subsidiary had no home insurance complaints in 2014, the first year this subsidiary started offering home insurance. California Automobile Insurance Company gained significant home insurance market share in its first year of offering this line of coverage, which may be a strong indication California Automobile Insurance Company has competitive home insurance rates.
Mercury Auto & Homeowners Insurance Complaint Record Summary
The Mercury subsidiaries, Mercury Insurance Company & California Automobile Insurance Company, have consistent recent histories of better-than-average auto insurance complaint ratios, and increasing market shares, possibly indicating competitive auto insurance rates for some drivers. However, these companies are available in California only. If you are in Georgia, Mercury Indemnity Company of Georgia for auto insurance, and Mercury Insurance Company of Georgia for home or renters insurance, are good choices, because of their perfect complaint records, with no complaints between 2009 and 2012.
However, if you live in other states, and these subsidiaries are not available to you, many competing auto & home insurance companies have better complaint records than the remaining larger Mercury subsidiaries.
5. Mercury Auto & Home Insurance Rates & Pricing Compared to Competitors
Homeowners Insurance Pricing
Mercury received the rating of four power circles (better than most) for homeowners insurance pricing in the national 2015 JD Power U.S. Homeowners Insurance Satisfaction study. The following companies also rated better than average (4 power circles or 5 power circles) for lower homeowners insurance rates in the 2015 JD Power Homeowners Insurance Satisfaction study: USAA, Amica, Erie, Auto Club of SC, GEICO, Auto-Owners, and Mercury.
Auto Insurance Pricing
Mercury received the rating of three power circles (about average) in the state of California for the category of auto insurance pricing in the 2015 JD Power Auto Insurance Customer Satisfaction study, which reflects the opinion of current Mercury policyholders in California about the auto insurance rates they pay.
The following companies rated above average (4 power circles or 5 power circles) for lower auto insurance rates in the 2015 JD Power Auto Insurance Customer Satisfaction study in California: USAA, Wawanesa, Ameriprise, Auto Club of Southern California, Esurance, GEICO, and The Hartford.
Mercury received the rating of four power circles (better than most) for the category of Pricing in the 2016 JD Power U.S. Auto Insurance Purchase Experience Study, which reflects the opinion of auto insurance shoppers across the country about the rates they were quoted by Mercury. The following companies also rated above average (4 power circles or 5 power circles) for lower auto insurance rates nationally in the 2016 JD Power Auto Insurance Purchase Experience Study: USAA, Erie, Liberty Mutual, The Hartford, American Family, Automobile Club Group, Travelers, Ameriprise, and CSAA Insurance Group.
Remember, the companies with the best rates for some people participating in a survey may not have low rates for you. To get lower auto or home insurance rates, the only way to know if any insurance company has high or low rates for you is to conduct your own pricing survey, by obtaining price quotes & reviewing your coverage with all the leading insurance companies in your state, to find the best company for you.