American Mercury Car Insurance Review [2022]

American Mercury car insurance is offered in eight states. Mercury car insurance only allows predetermined repair shops to fix vehicles they insure.

UPDATED: Jun 22, 2022Fact Checked

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 2022

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Company Details
Address: 7301 Northwest Expressway
City: Oklahoma City
State: OK
ZIP Code: 73132
Phone Number: 405-621-6590
Year Founded: 1961
AM Best Rating: A- (Excellent)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • American Mercury Insurance offers auto insurance in eight U.S. states
  • The company does not allow customers to purchase coverage online
  • Most of the company’s positive online reviews mention low premiums

Currently, American Mercury insurance offers both private and commercial auto insurance in eight states: Arizona, California, Florida, Georgia, Illinois, Michigan, Nevada, and New York.

It is a smaller insurance company and offers very competitive rates. A driver looking for an insurance policy that won’t break the bank may want to consider American Mercury insurance.

The American Mercury website is very user friendly, and you are able to get an online quote.

However, you must go through a personal American Mercury Auto Insurance agent to purchase coverage. There may be some complaints with this process, but sometimes an independent agent can be more help than a computer, or working with numerous chat agents.

Though, it does allow you to report a 24-hour claim service.

To find and compare car insurance rates from many top auto insurance companies, just enter your zip code above!

What does American Mercury offer in terms of insurance?

You can not only get an auto insurance quote from Mercury, but you can also look into their services for your home and business too. That means that if you need an auto policy, you can also bundle in add-ons in terms of additional coverage as well. So you could end up with a policy that provides you with auto and homeowners insurance. Or home and business insurance; the possibilities are only limited to what you need covered.

Mercury Auto insurance still utilizes agents, but it allows it customers to pay bills online and review their policy through their online services.

American Mercury Auto also has about a 60 percent positive feedback rating online. Most of the positive reviews focus on low rates.

The negative customer reviews, however, focus on their customer service, claims department, and claims payment.

When it comes to claims, American Mercury has predetermined auto repair shops. Not many insurance providers will do this, since is can tack on additional expense for their clients.

This is supposed to improve and speed up the claims process after an accident. However, not allowing the customers to choose their own repair shops seems like a way to control cost rather than improve customer satisfaction. Which could understandably lead to a less than favorable auto insurance review from the customer’s end.

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What is the final word on American Mercury as a company?

Overall, American Mercury insurance is not a bad company despite having some customer complaints. They offer affordable rates to their customers and seem to have a decent financial strength rating, as well as a wide range of coverage options. Though the varied customer service and claims reviews can be worrisome, you can always look at their overall business profile to determine whether or not they’re the company for you.

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  1. https://www.mercuryinsurance.com/

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