Mercury Insurance coverage, headquartered in Los Angeles, provides private auto, owners, and renters insurance coverage in a number of states by way of impartial brokers. The agency outlined a number of methods uninsured drivers affect insurance coverage charges. When extra drivers are uninsured, insurance coverage firms face elevated threat as a result of they need to cowl extra accident-related prices. Because of this, insurers elevate charges for all policyholders, even these with clear information, to compensate for the monetary affect.