Reputation grade
D
Peer-relative, A–F
Insurer profile · Mercury General · NAIC + CMS
Mercury Insurance
Mercury Insurance's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- D
- Reputation grade
- 1.78
- Complaint index
- 11
- States active
The verdict
Mercury Insurance earns a D reputation grade - a worse-than-average record versus peers, according to the NAIC's published complaint index, its ratio runs 1.78, above the 1.0 market average.
- D
- reputation grade
- 1.78
- NAIC complaint index
NAIC complaint index
1.78
1.0 = market average; lower is better
Est. complaint volume
~2,471
across 11 states, index-derived
Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.
How we calculated this grade →Where Mercury Insurance sits on complaints
- Best in data 0
Lowest complaint index in PlainInsurer's dataset: 0.23
0 complaint index
- Market avg 1
Market average complaint index = 1.0 (NAIC benchmark)
1 complaint index
- Mercury Insurance
Mercury Insurance: complaint index 1.78
2 complaint index
- Worst in data
Highest complaint index in PlainInsurer's dataset: 3.87
4 complaint index
What this shows Mercury Insurance's complaint index of 1.78 is 78% above the 1.0 market average for a carrier of its size.
Mercury Insurance vs. the full rated-insurer dataset
178% 24th percentile more affordable than 24% of 72 rated insurers
Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source NAIC published complaint index (2024) · 2024
Scale vs. complaint-adjusted score
Complaint record by line of business
| Line | Est. complaints | Complaint index | States active |
|---|---|---|---|
| Auto Insurance | ~2,471 | 1.78 | 11 |
Auto insurance market share
Private-passenger-auto ranking by written premium, NAIC 2024
Market share
0.94%
Written premiums
$3,371.806M
What the data shows for Mercury Insurance
According to PlainInsurer's dataset, Mercury Insurance has a lower (better) NAIC complaint index than 24% of the 72 rated insurers it tracks and ranks #13 of 21 carriers by complaint ratio in Auto Insurance.
Mercury Insurance, part of Mercury General, carries a D reputation grade in PlainInsurer's dataset, with a composite score of 28.8 (higher means more consumer friction relative to size). Its NAIC complaint index of 1.78 sits above the 1.0 market average, meaning policyholders escalate more disputes to regulators than is typical for a carrier of its premium volume.
Mercury Insurance does not appear in the CMS marketplace claim-denial file, which covers individual-market health issuers, common for auto, home and life carriers. The carrier reports activity across 1 line of business.
Mercury Insurance is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover.
Source: NAIC Consumer Information Source complaint data (2024). See methodology.
Mercury Insurance carries an A.M. Best Financial Strength Rating of A (Excellent) as of February 2026 (claims-paying ability, not complaint or service quality). Source: AM Best.
Aggregates only, not advice. Full terms on the disclaimer.
Other D-graded carriers in PlainInsurer's dataset include Globe Life and Primerica Life Insurance, and the closest overall composite score to Mercury Insurance's 28.8 belongs to UnitedHealthcare of Florida, Inc. (28.6), each rescaled across the measures that carrier reports.
Other D-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Globe Life | D |
| Primerica Life Insurance | D |
| Liberty Mutual Homeowners | D |
| GEICO | D |
| Farmers Insurance | D |
Closest composite score to Mercury Insurance
Carriers with the nearest overall composite score (28.8)
| Insurer | Composite score |
|---|---|
| UnitedHealthcare of Florida, Inc. | 28.6 |
| UnitedHealthcare of Wisconsin, Inc. | 28.1 |
| Molina Healthcare of Florida, Inc | 29.7 |
| Molina Healthcare of Michigan, Inc. | 27.6 |
| McLaren Health Plan Community | 30.3 |
Questions about Mercury Insurance
What does Mercury Insurance's grade mean?
Mercury Insurance received a grade of D, indicating a worse-than-average record versus peers.
How many complaints does Mercury Insurance have?
PlainInsurer estimates Mercury Insurance's complaint volume at roughly 2,471 across 11 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against Mercury Insurance?
File against Mercury Insurance through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Mercury Insurance a good insurance company?
PlainInsurer's D grade for Mercury Insurance reflects a worse-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does Mercury Insurance offer?
Based on NAIC filing data, Mercury Insurance reports activity in 1 line of business: Auto Insurance. Availability varies by state.
Verify Mercury Insurance
Mercury Insurance is filed with the NAIC under company number 22276. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.
Verify on NAIC Consumer Information SourceSource: NAIC published complaint index data Complaint index, reputation grade for Mercury Insurance · 2024
Share, download, and related pages for Mercury Insurance
Download the data behind this page
The full PlainInsurer extract, covering every insurer including Mercury Insurance, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.
Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.