Mercury Claim Complaints
Regulator data last updated October 24, 2026. Page edited by Ali Ahmad, MyAutoTriage editor.
Short answer
In California's 2025 report on the 50 largest auto insurers, Mercury's rate of justified complaints per insured vehicle was 20% of the average (19 justified complaints).
Texas 2025
–
Too few complaints to compare
7 confirmed complaints, 47,087 auto policies. Average = 1.00.
New York 2024
–
Too few complaints to compare
0 upheld complaints on $22 million of premium. Average = 1.00.
California 2025
0.20
Fewer complaints than average
19 justified complaints, 1,535,043 insured vehicles. Average of the 50 largest insurers = 1.00.
What stands out in Mercury's numbers
In Texas this page counts 1 company selling as Mercury: Mercury County Mutual Insurance Company, with 47,087 auto policies in force.
"Low settlement offer" came up in 42% of Texas complaints about Mercury, against 31% for all Texas auto insurers.
In New York's 2024 ranking, Mercury's company placed 9 of 128 auto insurers (1 = fewest upheld complaints for its premium).
In California's 2025 report, Mercury's company placed 9 of the 50 largest auto insurers (1 = fewest justified complaints for the vehicles it insures).
What Texas drivers complained about (2025)
In 2025 the Texas Department of Insurance closed 26 auto complaints about Mercury. The most common reasons:
- Poor claim handling or communication (62% of complaints)
- Claim delays (50% of complaints)
- Low settlement offer (42% of complaints)
- Disputed who was at fault (15% of complaints)
- Premium or rating (12% of complaints)
One complaint can list more than one reason. These counts include every complaint TDI closed that year, not only confirmed ones, and count by closing year the way TDI's complaint index does.
Did complaining get people paid?
62% of the 21 claim complaints about Mercury ended with the claim settled or more money paid, by TDI's record of how each was resolved. For all Texas auto insurers the figure was 58%.
If Mercury is stalling or lowballing your claim
- Put it in writing. Ask the adjuster by email for the reason for any delay or offer, and the policy language or valuation report behind it.
- Keep a dated record of every call, promise and document. State claim rules set deadlines for acknowledging, deciding and paying claims, and a record shows when they were missed.
- Send a written counter-offer with your own evidence: estimates, comparable cars, receipts.
- If that goes nowhere, file a complaint with your state insurance department. It's free, and the insurer has to answer it in writing.
Companies counted as Mercury
- Mercury County Mutual Insurance Company (TX, NAIC 29394)
- Mercury Casualty Company (NY, NAIC 11908)
- Mercury Insurance Company (CA)
Frequently asked questions
Does Mercury have a lot of complaints?
In California's 2025 report on the 50 largest auto insurers, Mercury's rate of justified complaints per insured vehicle was 20% of the average (19 justified complaints).
What does a complaint index of 1.00 mean?
1.00 is the average for all auto insurers in that state, adjusted for size. A score of 0.50 means half as many complaints as expected for the company's size; 2.00 means twice as many. Mercury's California score of 0.20 means 20% of the average.
Sources
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (2025, automobile)
- Texas Department of Insurance, Insurance complaints: All data
- New York Department of Financial Services, Automobile Insurance Company Complaint Rankings (filing year 2024)
- California Department of Insurance, Automobile Complaint Composite Report (complaint year 2025)
- NAIC, How to file a complaint with your state insurance department
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