Mercer Insurance Group Car Insurance Review [2023]

Mercer Insurance Group car insurance reviews are found under the name of their parent company, United Fire Group (UFG). The company sells personal car insurance in New York, New Jersey, and Pennsylvania, and commercial insurance in other states.

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Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

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Written by Laura Berry
Former Licensed Insurance Producer 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: Oct 20, 2022

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Company Details
Address: 118 Second Ave SE
City: Cedar Rapids
State: IA
ZIP Code: 52401
Phone Number: 800-553-7937
Year Founded: 1844
AM Best Rating: A
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Mercer Insurance was purchased by United Fire Group (UFG) in 2010
  • UFG only offers personal car insurance in New York, New Jersey, and Pennsylvania
  • UFG writes commercial car insurance in many other states.

If you are looking for cheap car insurance, this Mercer Insurance Group car insurance review can help. Now known as United Fire Group since being purchased by the company in 2010, Mercer Insurance reviews are often found under that name. The company was founded in 1844 and has been offering various insurance policies in multiple states across the country ever since. Read on to learn more about Mercer Choice car insurance.It is also worth mentioning that the United Fire Group continues to expand its services and products through the acquisition of smaller insurance groups, which include Franklin Insurance. Although Mercer offers insurance in at least 22 states, the main areas of the country that the company and its subsidiaries focus on are New York, Nevada, Oregon, Pennsylvania, California, New Jersey, and Arizona.Before reading our Mercer Choice auto insurance review, you can get quotes to compare. There are so many auto insurance providers, just in the U.S. alone. Just enter your ZIP code into our free tool above to get online quotes from many of them. There are plenty of options, as long as you know what you’re looking for and what sort of coverage options you’re in the market to find.

UFG Car Insurance Rates

UFG provides a wide range of insurance products, which include both commercial car insurance policy and personal car insurance policies, some of which are sold under the Mercer Group name. However, the availability of the products or types of coverage is dependent on the location.UFG sells its products through agents and therefore does not offer any type of online quoting system for their products. Because of this, we are unable to provide rate information for UFG. However, you can take a look at the map below to find the average rates for full coverage insurance in your area.

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Keep in mind that the numbers above are based on full coverage, so if you only need liability you may pay less for your insurance. They are also averages, which means some people will pay much less and some people will pay much more, depending on your driving history and your ZIP code.

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What is UFG availability by state?

In New Jersey, Pennsylvania, and New York, Mercer Insurance Company and the Mercer Insurance of New Jersey only offer commercial car insurance. Meanwhile, subsidiary Franklin Insurance Company offers personal car insurance only in limited areas.

If you happen to live in the areas being serviced by the Mercer Group (including UFG and its subsidiaries), you can also get standard personal auto loan at reasonable rates.

Outside New Jersey, Pennsylvania, or New York, prospecting clients are better off looking at other companies for auto coverage.

UFG Car Insurance Coverages Offered

UFG currently offers a variety of personal insurance coverages, including car insurance, homeowners insurance, and umbrella policies for car insurance. The company also offers a variety of commercial coverage and business coverages as well, including Mercer malpractice insurance, commercial liability, and many other types of coverage.

What are UFG’s bundling options?

The odds are good that UFG offers a discount for having multiple lines of insurance open through the company, so it might save you money if you buy both auto and homeowner’s insurance through the company.

We don’t know exactly what discounts they offer, however, because they only sell their products through local agents. You’ll need to reach out to your agent directly to find out what discounts, including a bundling discount, might apply to you.

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What discounts are offered by UFG?

As we mentioned above, UFG does not have a list of standard discounts available on their website. Take a look at the table below to find some of the discounts available through other insurance companies:

Car Insurance Discounts Offered by Company
Discounts Offered21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise Controlxxxx
Adaptive Headlightsxxxxxxxx
Anti-lock Brakesxxxxxxxxxxxxxxxxxxxxxx
Daytime Running Lightsxxxxxxxxxxxxxxxxxx
Electronic Stability Controlxxxxxxxxx
Utility Vehiclexxxx
Vehicle Recoveryxxxxxxxxxxxxxxxxxxxxx
VIN Etchingxxxxxxxxxx
Lane Departure Warningxxxx
Newer Vehiclexxxxxxxxxxxxxxxx
Green Vehiclexxxxxxx
Forward Collision Warningxxxxxxx
Claim Freexxxxxxxxxxxxxxxxxxxxxx
Continuous Coveragexxxxxxxxxxxxxxx
Defensive Driverxxxxxxxxxxxxxxxxxxxxxx
Distant Studentxxxxxxxxxxxxxxx
Driver's Edxxxxxxxxxxxxxxxxxxxx
Driving Device/Appxxxxxxxxxxxxxx
Early Signingxxxxxxxxxxxxxx
Emergency Deploymentx
Engaged Couplex
Family Legacyxxxxxx
Family Planxxxxx
Farm Vehiclexxxx
Fast 5x
Federal Employeexxxx
Full Paymentxxxxxxxxxxxxxxxxx
Further Educationxxxxxxxxx
Good Creditxxxx
Good Studentxxxxxxxxxxxxxxxxxxxxxx
Life Insurancexx
Low Mileagexxxxxxxxxxxxxxxxxxx
Military Garagingx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newly Licensedx
Occasional Operatorx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Passive Restraintxxxxxxxxxxxxxxxxxxxxxx
Recent Retireesxx
Roadside Assistancexx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Young Driverxxxxxx

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Keep in mind that companies can and do update the discounts they choose to offer all the time. You will need to check with your insurance company or your agent to make sure that you are receiving any available discounts that apply to you.

Canceling Your UFG Insurance Policy

Since you purchased your UFG policy through an agent, your best option would be to reach out to them and let them know you would like to cancel your policy.If you’ve signed up for new coverage already you may also find that your new insurance company will take care of your cancellation for you, so make sure to ask when you are setting up your new policy if taking care of the termination of your old policy is a service that they offer.

Is there a cancellation fee or a refund?

Both cancellation fees and refunds will be determined by local laws and regulations, so when you tell your agent you want to cancel your policy ask them about both fees and refunds.

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When can I cancel?

Most states allow you to cancel a car insurance policy at any time as long as you have a new policy to replace it to prevent a gap in coverage.

Some states may have different rules, however, so check with your state’s insurance website or your agent for details on your specific situation.

Typically, policies go into effect at midnight and are terminated effective 11:59 p.m. This is the best way to guarantee you are never left with a gap in coverage.

How To Make a UFG Car Insurance Claim

Even though the number of traffic fatalities has dropped significantly in the last 30 years according to the Insurance Institute for Highway Safety (IIHS), accidents still happen and insurance claims still need to be filed. In the event that you need to file a claim, reach out to your agent and they can help you with the process. You can also use your UFG or Mercer insurance sign-in on the UFG website to access your account, reach out to your agent, or file a claim.Once your claim is filed you will hear from a claims adjuster who will keep you up-to-date on your claim until a final decision has been made.

UFG and Mercer Car Insurance Ratings

If there is one thing that Mercer Insurance can be proud of, it is the group’s stable ratings from A.M. Best, a reputable ratings agency for the insurance industry.Ever since the foundation of the original Mercer Mutual Insurance Company in 1844, the group has consistently shown growing financial strength. As of 2019, UFG earned an A (Excellent) rating from A.M. Best. UFG is Better Business Bureau accredited with an A+ rating.

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The Bottom Line: Mercer Insurance Group Car Insurance Review

UFG and Mercer offer an excellent product that comes with a high financial rating, but the need to work with an agent can be limiting. Your average driver would benefit from getting a variety of quotes from various insurance companies to find the best rates in your area.So where can I find auto insurance near me, you ask? Well, now that you’ve finished this Mercer car insurance review, it’s time to get rates from top car insurance companies. Enter your ZIP code in the FREE tool below to see a side-by-side quote comparison.

Frequently Asked Questions: Mercer Insurance Group

Below are some of the most frequently asked questions regarding Mercer car insurance:

#1 – Is Mercer Insurance Group the same as Mercer Insurance Company of NJ?

Mercer is a common name among insurance and financial companies. As of this writing, Mercer Insurance Group, owned by UFG, appears to be a different company than Mercer Insurance Company of NJ. Mercer Voluntary Benefits auto insurance is also a different company. Mercer auto insurance reviews may refer to these other companies, so read carefully.

#2 – Is Mercer Insurance Group the same as Mercer Insurance Iowa?

As above, Mercer Iowa also appears to be a different company than Mercer Financial Group, though it is possible these companies are all related and simply maintain different websites and contact information.As mergers happen things change over time, so you can always reach out to your agent to find out exactly what companies are available to you.

#3 – Where is Mercer Insurance Headquarters?

UFG headquarters is located at:

  • United Fire Group118 Second Ave. SECedar Rapids, IA 52401

The Mercer auto insurance phone number is 1-800-343-9131.

Where is the best place to look for Mercer Insurance careers?

If you are interested in a career at Mercer or UFG, take a look at their web page and search for available positions. As of this writing, they had jobs available in four different states.

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