Authorized Mercury Insurance Agent

Your Mercury Insurance Agent Serving All of California

Oakview Insurance Services is an appointed Mercury Insurance agency licensed throughout California. We write Mercury auto, home, renters, landlord, business, and umbrella policies with award-winning service California drivers and homeowners can count on.

Gold Service Excellence Award -- One of only 7 agencies in California to earn this honor
Mercury Gold Service
Excellence Award
800+ Five-Star
Google Reviews
CA License
#0L91635
Serving All of
California
Mercury: A (Excellent)
AM Best Rating

About Mercury Insurance Founded in California

Mercury Insurance has been protecting California drivers and homeowners since 1962. It remains one of the largest private passenger auto insurers in the state, built specifically for the needs of California policyholders.

1962 Founded in California by George Joseph
A AM Best "Excellent" Financial Strength Rating
$8.3B+ Total Assets (per Mercury's Company Overview)
60+ Years Serving California Policyholders
6th Largest Private Passenger Auto Insurer in CA

Mercury Insurance was built on a single idea: offer California drivers lower-cost coverage without sacrificing quality. Today, Mercury offers a full suite of personal and commercial lines available across the state. As your authorized independent agent, Oakview shops Mercury alongside our other carriers to ensure you get the right fit, not just a policy.

Mercury's Strength: California Auto and Home Insurance

Mercury built its reputation on competitively priced auto insurance for California drivers. From standard personal auto to rideshare coverage, landlord policies, and mechanical protection, Mercury offers coverage options many other carriers do not.

Personal Auto Homeowners Renters Landlord / Apartment Owners RealDrive Pay-Per-Mile Rideshare (Uber / Lyft) Mechanical Protection Condo Business Owners (BOP) Commercial Auto Umbrella

Mercury Insurance Products Available in California

As your appointed Mercury agent, Oakview can quote and bind all Mercury product lines for California residents. Here is what we offer:

Auto Insurance
Liability, collision, comprehensive, uninsured motorist, medical payments, and optional roadside assistance. Lifetime repair guarantee at Mercury authorized shops statewide.
Homeowners Insurance
Dwelling, personal property, liability, additional living expenses, and identity theft protection. Extended replacement cost available. Mercury remains active throughout California's hard market.
Renters Insurance
Protects your belongings, covers liability claims, and pays additional living expenses if your rental unit becomes uninhabitable due to a covered loss.
Landlord / Apartment Owners
Mercury specializes in dwelling fire and apartment owners coverage, a strong fit for California landlords with single-family rentals or multi-unit properties.
Business Owners Policy (BOP)
Combines commercial property and general liability in a single, affordable policy. Ideal for small businesses, contractors, and service companies throughout California.
Commercial Auto
Coverage for business vehicles, contractors, and fleets. Mercury's commercial auto is available for a wide range of industries across California.
Umbrella Insurance
An extra layer of liability protection beyond your auto or home policy limits. Protects your assets if you face a large judgment or lawsuit anywhere in California.
Mechanical Protection
Extended warranty-style coverage for your vehicle's mechanical and electrical parts beyond the manufacturer's warranty. Includes 24/7 roadside assistance.
RealDrive Pay-Per-Mile
Mercury's usage-based program where your rate is based on miles driven. Great for California remote workers, retirees, or anyone who drives less than average.
Rideshare Insurance
Extends your personal auto policy to cover gaps while driving for Uber or Lyft, specifically during Period 1 when neither your personal policy nor the rideshare company's policy applies.
Cyber and Identity Protection
Optional add-on for homeowners covering cyber protection, identity management, and credit monitoring.
Condo Insurance
Covers your personal property, home improvements, loss assessment from the HOA, and personal liability. Designed specifically for California condo owners.

Mercury Auto Coverage Options at a Glance

Not sure which coverage you need? Here is a quick breakdown of Mercury's California auto insurance options so you can make an informed decision.

Coverage Type What It Covers Required in CA?
Bodily Injury LiabilityInjuries you cause to others in an at-fault accidentYes
Property Damage LiabilityDamage you cause to another person's propertyYes
Uninsured MotoristInjuries and damages from a driver with no insuranceOptional (Recommended)
CollisionRepairs to your vehicle after an accidentOptional
ComprehensiveTheft, fire, weather, vandalism, animal collisionsOptional
Medical PaymentsMedical costs for you and passengers after an accidentOptional
Rental ReimbursementCovers a rental vehicle while your car is being repairedOptional
Roadside Assistance24/7 towing, flat tire, dead battery, lockout serviceOptional
Rideshare CoverageFills coverage gaps while driving for Uber or LyftOptional
Mechanical ProtectionExtended mechanical and electrical warranty beyond factoryOptional

Mercury Insurance Discounts Available in California

As your authorized Mercury agent, Oakview reviews every available discount to make sure you are paying the lowest possible rate for the coverage you need.

Good Driver DiscountAccident-free and ticket-free record for 3 or more years
Multi-Policy (Auto + Home)Bundle auto with home, renters, or condo, save up to 15%
Multi-Car DiscountInsure 2 or more vehicles on the same Mercury policy
Good Student DiscountFull-time students maintaining a B average or better
Anti-Theft Device DiscountVehicle equipped with approved anti-theft or tracking device
Pay-in-Full DiscountPay your premium upfront instead of monthly installments
Auto-Pay and E-SignatureSign up for autopay or paperless for additional savings
RealDrive Pay-Per-MileUp to 20% off if you drive fewer miles than the California average
Homeowner Discount on AutoOwn your home anywhere in California? Save on your Mercury auto policy
Affinity Group DiscountsMembers of Sam's Club, AAA, Costco, CalCPA and select groups may qualify
Protective Devices (Home)Smoke alarms, deadbolts, security systems on your home policy
Fire-Resistant ConstructionHomes built with fire-resistant materials may qualify for homeowners discounts, especially relevant in California's wildfire zones

Discounts subject to qualification requirements and may vary by location and policy type. Contact our office to see which discounts apply to your situation.

Your Authorized Mercury Agent Serving All of California

Oakview Insurance Services is an independent, authorized Mercury Insurance agent licensed throughout California. Whether you are in Northern California, the Central Valley, the Bay Area, Southern California, or anywhere in between, we can quote, write, and service your Mercury policy.

In 2017, Mercury recognized Oakview as one of only 7 agencies in all of California to earn the Gold Service Excellence Award, their highest distinction for client commitment and service quality. Over 800 five-star Google reviews from clients across the state back that up.

As an independent agency, we are never locked into one carrier. We shop Mercury alongside our other markets to make sure you are getting the best available combination of coverage and price, not just whatever is easiest to write.

Get a Free Mercury Quote

Frequently Asked Questions About Mercury Insurance in California

Yes. Oakview Insurance Services, Inc. (CA License #0L91635) is an authorized, appointed Mercury Insurance agent licensed throughout California. We can quote, write, and service Mercury auto, home, renters, landlord, condo, business, and umbrella policies for California residents. We are independently listed on Mercury's official agent locator at mercuryinsurance.com.
Mercury was founded in California in 1962 specifically to offer lower-cost auto insurance to California drivers. Today it holds an A (Excellent) AM Best financial strength rating, is the 6th largest private passenger auto insurer in the state, and offers a lifetime repair guarantee through its authorized repair network. Mercury also offers pay-per-mile, rideshare, and affinity group discounts that can significantly lower your premium.
Yes. While many carriers have pulled back from California's hard homeowners market, Mercury remains active statewide. Their home policies cover dwelling damage, personal property, liability, and additional living expenses. Mercury also partnered with Tokio Marine America in 2024 to assist California homeowners who have been non-renewed by other carriers. Bundling your Mercury home and auto policies can qualify you for a multi-policy discount of up to 15%. Contact our office to discuss eligibility.
RealDrive is Mercury's usage-based insurance program where your rate is partially based on how many miles you actually drive. California drivers who work from home, are retired, or simply drive less than average can save up to 20% compared to a standard policy. You start with a 5% introductory discount just for enrolling. Contact our office to find out if RealDrive is a good fit for your household.
Yes. Mercury offers a rideshare insurance add-on available in California that extends your personal auto policy to cover the gap during Period 1, when the app is on but no ride has been accepted. During this window, neither your personal auto policy nor the rideshare company's policy typically applies. This add-on is especially valuable for California's large rideshare driver population.
Mercury accepts claims 24 hours a day, 7 days a week via their digital claims portal, mobile app, or by calling (800) 503-3724. As your authorized agent, Oakview can also help guide you through the claims process, connect you with Mercury's adjusters, and advocate on your behalf. Reach our office at (530) 674-5054 during business hours.
Mercury's California homeowners discounts include multi-policy bundling with auto, protective devices (alarms, deadbolts, smoke detectors), fire-resistant construction materials, newer home discount, and gated community discounts. Higher deductible selections can also lower your premium. As your agent, Oakview reviews every available discount before finalizing your quote.
Yes. Mercury offers a Business Owners Policy (BOP), commercial property, general liability, and commercial auto insurance available to California businesses. The BOP bundles property and liability coverage into one affordable policy, well-suited for retail shops, contractors, and small service businesses. Oakview can compare Mercury's commercial lines against our other carriers to find the best fit for your operation.

Ready for a Free Mercury Insurance Quote in California?

Let our award-winning team shop Mercury and all our other carriers to find you the best coverage at the lowest possible rate. Takes about 5 minutes to get started.

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