<?xml version="1.0" encoding="us-ascii"?>
<!--XBRL document created with Crossfire by Rivet Software version 4.3.96.0 http://www.rivetsoftware.com-->
<!--Based on XBRL 2.1-->
<!--Created on: 2/13/2012 5:55:06 PM-->
<!--Modified on: 2/13/2012 5:55:06 PM-->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" targetNamespace="http://www.mercurygeneralcorporation.com/20111231" elementFormDefault="qualified" attributeFormDefault="unqualified" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:mcy="http://www.mercurygeneralcorporation.com/20111231" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:us-types="http://fasb.org/us-types/2011-01-31">
  <annotation>
    <appinfo>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/StatementConsolidatedBalanceSheets" id="StatementConsolidatedBalanceSheets">
        <link:definition>00100 - Statement - Consolidated Balance Sheets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/StatementConsolidatedStatementsOfOperations" id="StatementConsolidatedStatementsOfOperations">
        <link:definition>00200 - Statement - Consolidated Statements Of Operations</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/StatementConsolidatedStatementsOfComprehensiveIncome" id="StatementConsolidatedStatementsOfComprehensiveIncome">
        <link:definition>00300 - Statement - Consolidated Statements Of Comprehensive Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/StatementConsolidatedStatementsOfCashFlows" id="StatementConsolidatedStatementsOfCashFlows">
        <link:definition>00500 - Statement - Consolidated Statements Of Cash Flows</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureInvestmentsEstimatedFairValueOfInvestmentsDetails" id="DisclosureInvestmentsEstimatedFairValueOfInvestmentsDetails">
        <link:definition>40204 - Disclosure - Investments (Estimated Fair Value Of Investments) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureFixedAssetsDetails" id="DisclosureFixedAssetsDetails">
        <link:definition>40401 - Disclosure - Fixed Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureGoodwillAndOtherIntangibleAssetsScheduleOfEstimatedFutureAmortizationExpenseRelatedToIntangibleAssetsDetails" id="DisclosureGoodwillAndOtherIntangibleAssetsScheduleOfEstimatedFutureAmortizationExpenseRelatedToIntangibleAssetsDetails">
        <link:definition>40903 - Disclosure - Goodwill And Other Intangible Assets (Schedule Of Estimated Future Amortization Expense Related To Intangible Assets) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureIncomeTaxesComponentsOfIncomeTaxExpenseDetails" id="DisclosureIncomeTaxesComponentsOfIncomeTaxExpenseDetails">
        <link:definition>41002 - Disclosure - Income Taxes (Components Of Income Tax Expense) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureIncomeTaxesReconciliationOfIncomeTaxesDetails" id="DisclosureIncomeTaxesReconciliationOfIncomeTaxesDetails">
        <link:definition>41003 - Disclosure - Income Taxes (Reconciliation Of Income Taxes) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureIncomeTaxesDeferredTaxAssetsAndLiabilitiesDetails" id="DisclosureIncomeTaxesDeferredTaxAssetsAndLiabilitiesDetails">
        <link:definition>41004 - Disclosure - Income Taxes (Deferred Tax Assets And Liabilities) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureEarningsPerShareDetails" id="DisclosureEarningsPerShareDetails">
        <link:definition>41601 - Disclosure - Earnings Per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/SchedulePropertyAndLiabilityInsuranceEarnedPremiumsScheduleOfPropertyAndLiabilityInsuranceEarnedPremiumsDetails" id="SchedulePropertyAndLiabilityInsuranceEarnedPremiumsScheduleOfPropertyAndLiabilityInsuranceEarnedPremiumsDetails">
        <link:definition>42201 - Schedule - Property And Liability Insurance Earned Premiums (Schedule Of Property And Liability Insurance Earned Premiums) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DocumentDocumentAndEntityInformation" id="DocumentDocumentAndEntityInformation">
        <link:definition>00090 - Document - Document And Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/StatementConsolidatedBalanceSheetsParenthetical" id="StatementConsolidatedBalanceSheetsParenthetical">
        <link:definition>00105 - Statement - Consolidated Balance Sheets (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/StatementConsolidatedStatementsOfShareholdersEquity" id="StatementConsolidatedStatementsOfShareholdersEquity">
        <link:definition>00400 - Statement - Consolidated Statements Of Shareholders' Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureSummaryOfSignificantAccountingPolicies" id="DisclosureSummaryOfSignificantAccountingPolicies">
        <link:definition>10101 - Disclosure - Summary Of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureInvestments" id="DisclosureInvestments">
        <link:definition>10201 - Disclosure - Investments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureFairValueMeasurements" id="DisclosureFairValueMeasurements">
        <link:definition>10301 - Disclosure - Fair Value Measurements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureFixedAssets" id="DisclosureFixedAssets">
        <link:definition>10401 - Disclosure - Fixed Assets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureDeferredPolicyAcquisitionCosts" id="DisclosureDeferredPolicyAcquisitionCosts">
        <link:definition>10501 - Disclosure - Deferred Policy Acquisition Costs</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureNotesPayable" id="DisclosureNotesPayable">
        <link:definition>10601 - Disclosure - Notes Payable</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureDerivativeFinancialInstruments" id="DisclosureDerivativeFinancialInstruments">
        <link:definition>10701 - Disclosure - Derivative Financial Instruments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureAcquisition" id="DisclosureAcquisition">
        <link:definition>10801 - Disclosure - Acquisition</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureGoodwillAndOtherIntangibleAssets" id="DisclosureGoodwillAndOtherIntangibleAssets">
        <link:definition>10901 - Disclosure - Goodwill And Other Intangible Assets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureIncomeTaxes" id="DisclosureIncomeTaxes">
        <link:definition>11001 - Disclosure - Income Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureLossesAndLossAdjustmentExpenses" id="DisclosureLossesAndLossAdjustmentExpenses">
        <link:definition>11101 - Disclosure - Losses And Loss Adjustment Expenses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureDividends" id="DisclosureDividends">
        <link:definition>11201 - Disclosure - Dividends</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureStatutoryBalancesAndAccountingPractices" id="DisclosureStatutoryBalancesAndAccountingPractices">
        <link:definition>11301 - Disclosure - Statutory Balances And Accounting Practices</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureProfitSharingPlan" id="DisclosureProfitSharingPlan">
        <link:definition>11401 - Disclosure - Profit Sharing Plan</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureShareBasedCompensation" id="DisclosureShareBasedCompensation">
        <link:definition>11501 - Disclosure - Share-Based Compensation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureEarningsPerShare" id="DisclosureEarningsPerShare">
        <link:definition>11601 - Disclosure - Earnings Per Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureCommitmentsAndContingencies" id="DisclosureCommitmentsAndContingencies">
        <link:definition>11701 - Disclosure - Commitments And Contingencies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureRisksAndUncertainties" id="DisclosureRisksAndUncertainties">
        <link:definition>11801 - Disclosure - Risks And Uncertainties</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureQuarterlyFinancialInformation" id="DisclosureQuarterlyFinancialInformation">
        <link:definition>11901 - Disclosure - Quarterly Financial Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureSummaryOfInvestmentsOtherThanInvestmentsInRelatedParties" id="DisclosureSummaryOfInvestmentsOtherThanInvestmentsInRelatedParties">
        <link:definition>12001 - Disclosure - Summary Of Investments Other Than Investments In Related Parties</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureCondensedFinancialInformationOfRegistrant" id="DisclosureCondensedFinancialInformationOfRegistrant">
        <link:definition>12101 - Disclosure - Condensed Financial Information Of Registrant</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosurePropertyAndLiabilityInsuranceEarnedPremiums" id="DisclosurePropertyAndLiabilityInsuranceEarnedPremiums">
        <link:definition>12201 - Disclosure - Property And Liability Insurance Earned Premiums</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureSummaryOfSignificantAccountingPoliciesPolicy" id="DisclosureSummaryOfSignificantAccountingPoliciesPolicy">
        <link:definition>20102 - Disclosure - Summary Of Significant Accounting Policies (Policy)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureSummaryOfSignificantAccountingPoliciesTables" id="DisclosureSummaryOfSignificantAccountingPoliciesTables">
        <link:definition>30103 - Disclosure - Summary Of Significant Accounting Policies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureInvestmentsTables" id="DisclosureInvestmentsTables">
        <link:definition>30203 - Disclosure - Investments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureFairValueMeasurementsTables" id="DisclosureFairValueMeasurementsTables">
        <link:definition>30303 - Disclosure - Fair Value Measurements (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureFixedAssetsTables" id="DisclosureFixedAssetsTables">
        <link:definition>30403 - Disclosure - Fixed Assets (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureDeferredPolicyAcquisitionCostsTables" id="DisclosureDeferredPolicyAcquisitionCostsTables">
        <link:definition>30503 - Disclosure - Deferred Policy Acquisition Costs (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureNotesPayableTables" id="DisclosureNotesPayableTables">
        <link:definition>30603 - Disclosure - Notes Payable (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureDerivativeFinancialInstrumentsTables" id="DisclosureDerivativeFinancialInstrumentsTables">
        <link:definition>30703 - Disclosure - Derivative Financial Instruments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureAcquisitionTables" id="DisclosureAcquisitionTables">
        <link:definition>30803 - Disclosure - Acquisition (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureGoodwillAndOtherIntangibleAssetsTables" id="DisclosureGoodwillAndOtherIntangibleAssetsTables">
        <link:definition>30903 - Disclosure - Goodwill And Other Intangible Assets (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureIncomeTaxesTables" id="DisclosureIncomeTaxesTables">
        <link:definition>31003 - Disclosure - Income Taxes (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureLossesAndLossAdjustmentExpensesTables" id="DisclosureLossesAndLossAdjustmentExpensesTables">
        <link:definition>31103 - Disclosure - Losses And Loss Adjustment Expenses (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureDividendsTables" id="DisclosureDividendsTables">
        <link:definition>31203 - Disclosure - Dividends (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureStatutoryBalancesAndAccountingPracticesTables" id="DisclosureStatutoryBalancesAndAccountingPracticesTables">
        <link:definition>31303 - Disclosure - Statutory Balances And Accounting Practices (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureShareBasedCompensationTables" id="DisclosureShareBasedCompensationTables">
        <link:definition>31503 - Disclosure - Share-Based Compensation (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureEarningsPerShareTables" id="DisclosureEarningsPerShareTables">
        <link:definition>31603 - Disclosure - Earnings Per Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureCommitmentsAndContingenciesTables" id="DisclosureCommitmentsAndContingenciesTables">
        <link:definition>31703 - Disclosure - Commitments And Contingencies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureQuarterlyFinancialInformationTables" id="DisclosureQuarterlyFinancialInformationTables">
        <link:definition>31903 - Disclosure - Quarterly Financial Information (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureSummaryOfSignificantAccountingPoliciesNarrativeDetails" id="DisclosureSummaryOfSignificantAccountingPoliciesNarrativeDetails">
        <link:definition>40101 - Disclosure - Summary Of Significant Accounting Policies (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureSummaryOfSignificantAccountingPoliciesEstimatedFairValueOfFinancialInstrumentsDetails" id="DisclosureSummaryOfSignificantAccountingPoliciesEstimatedFairValueOfFinancialInstrumentsDetails">
        <link:definition>40102 - Disclosure - Summary Of Significant Accounting Policies (Estimated Fair Value Of Financial Instruments) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureSummaryOfSignificantAccountingPoliciesDirectPremiumAttributableBySegmentDetails" id="DisclosureSummaryOfSignificantAccountingPoliciesDirectPremiumAttributableBySegmentDetails">
        <link:definition>40103 - Disclosure - Summary Of Significant Accounting Policies (Direct Premium Attributable By Segment) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureInvestmentsGainsAndLossesDueToChangesInFairValueDetails" id="DisclosureInvestmentsGainsAndLossesDueToChangesInFairValueDetails">
        <link:definition>40201 - Disclosure - Investments (Gains And Losses Due To Changes In Fair Value) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureInvestmentsNetRealizedInvestmentsGainsDetails" id="DisclosureInvestmentsNetRealizedInvestmentsGainsDetails">
        <link:definition>40202 - Disclosure - Investments (Net Realized Investments Gains) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureInvestmentsGrossGainsAndLossesRealizedOnSalesOfInvestmentsDetails" id="DisclosureInvestmentsGrossGainsAndLossesRealizedOnSalesOfInvestmentsDetails">
        <link:definition>40203 - Disclosure - Investments (Gross Gains And Losses Realized On Sales Of Investments) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureInvestmentsInvestmentIncomeDetails" id="DisclosureInvestmentsInvestmentIncomeDetails">
        <link:definition>40205 - Disclosure - Investments (Investment Income) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureFairValueMeasurementsNarrativeDetails" id="DisclosureFairValueMeasurementsNarrativeDetails">
        <link:definition>40301 - Disclosure - Fair Value Measurements (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureFairValueMeasurementsScheduleOfAssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisValuationTechniquesDetails" id="DisclosureFairValueMeasurementsScheduleOfAssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisValuationTechniquesDetails">
        <link:definition>40302 - Disclosure - Fair Value Measurements (Schedule Of Assets And Liabilities Measured At Fair Value On A Recurring Basis Valuation Techniques) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureFairValueMeasurementsScheduleOfChangesInFairValueOfLevel3FinancialAssetsAndLiabilitiesHeldAtFairValueDetails" id="DisclosureFairValueMeasurementsScheduleOfChangesInFairValueOfLevel3FinancialAssetsAndLiabilitiesHeldAtFairValueDetails">
        <link:definition>40303 - Disclosure - Fair Value Measurements (Schedule Of Changes In Fair Value Of Level 3 Financial Assets And Liabilities Held At Fair Value) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureDeferredPolicyAcquisitionCostsDetails" id="DisclosureDeferredPolicyAcquisitionCostsDetails">
        <link:definition>40501 - Disclosure - Deferred Policy Acquisition Costs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureNotesPayableNarrativeDetails" id="DisclosureNotesPayableNarrativeDetails">
        <link:definition>40601 - Disclosure - Notes Payable (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureNotesPayableFairValueOfNotesPayableDetails" id="DisclosureNotesPayableFairValueOfNotesPayableDetails">
        <link:definition>40602 - Disclosure - Notes Payable (Fair Value Of Notes Payable) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureDerivativeFinancialInstrumentsNarrativeDetails" id="DisclosureDerivativeFinancialInstrumentsNarrativeDetails">
        <link:definition>40701 - Disclosure - Derivative Financial Instruments (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureDerivativeFinancialInstrumentsScheduleOfGainOrLossOnHedgedItemInSameLineItemOtherRevenueAsOffsettingLossOrGainOnRelatedInterestRateSwapsDetails" id="DisclosureDerivativeFinancialInstrumentsScheduleOfGainOrLossOnHedgedItemInSameLineItemOtherRevenueAsOffsettingLossOrGainOnRelatedInterestRateSwapsDetails">
        <link:definition>40702 - Disclosure - Derivative Financial Instruments (Schedule Of Gain Or Loss On The Hedged Item In The Same Line Item, Other Revenue, As The Offsetting Loss Or Gain On The Related Interest Rate Swaps) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureDerivativeFinancialInstrumentsSummaryOfLocationAndAmountsOfDerivativeFairValuesInConsolidatedBalanceSheetsDetails" id="DisclosureDerivativeFinancialInstrumentsSummaryOfLocationAndAmountsOfDerivativeFairValuesInConsolidatedBalanceSheetsDetails">
        <link:definition>40703 - Disclosure - Derivative Financial Instruments (Summary Of Location And Amounts Of Derivative Fair Values In The Consolidated Balance Sheets) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureDerivativeFinancialInstrumentsScheduleOfDerivativeGainsAndLossesInStatementsOfOperationsDetails" id="DisclosureDerivativeFinancialInstrumentsScheduleOfDerivativeGainsAndLossesInStatementsOfOperationsDetails">
        <link:definition>40704 - Disclosure - Derivative Financial Instruments (Schedule Of Derivative Gains And Losses In The Statements Of Operations) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureAcquisitionNarrativeDetails" id="DisclosureAcquisitionNarrativeDetails">
        <link:definition>40801 - Disclosure - Acquisition (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureAcquisitionRevenueAndNetIncomeOfAisAndCompanyDetails" id="DisclosureAcquisitionRevenueAndNetIncomeOfAisAndCompanyDetails">
        <link:definition>40802 - Disclosure - Acquisition (Revenue And Net Income Of AIS And The Company) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureGoodwillAndOtherIntangibleAssetsNarrativeDetails" id="DisclosureGoodwillAndOtherIntangibleAssetsNarrativeDetails">
        <link:definition>40901 - Disclosure - Goodwill And Other Intangible Assets (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureGoodwillAndOtherIntangibleAssetsScheduleOfComponentsOfOtherIntangibleAssetsDetails" id="DisclosureGoodwillAndOtherIntangibleAssetsScheduleOfComponentsOfOtherIntangibleAssetsDetails">
        <link:definition>40902 - Disclosure - Goodwill And Other Intangible Assets (Schedule Of Components Of Other Intangible Assets) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureIncomeTaxesNarrativeDetails" id="DisclosureIncomeTaxesNarrativeDetails">
        <link:definition>41001 - Disclosure - Income Taxes (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureIncomeTaxesSummaryOfUnrecognizedTaxBenefitsDetails" id="DisclosureIncomeTaxesSummaryOfUnrecognizedTaxBenefitsDetails">
        <link:definition>41005 - Disclosure - Income Taxes (Summary Of Unrecognized Tax Benefits) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureLossesAndLossAdjustmentExpensesNarrativeDetails" id="DisclosureLossesAndLossAdjustmentExpensesNarrativeDetails">
        <link:definition>41101 - Disclosure - Losses And Loss Adjustment Expenses (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureLossesAndLossAdjustmentExpensesActivityInReservesForLossesAndLossAdjustmentExpensesDetails" id="DisclosureLossesAndLossAdjustmentExpensesActivityInReservesForLossesAndLossAdjustmentExpensesDetails">
        <link:definition>41102 - Disclosure - Losses And Loss Adjustment Expenses (Activity In The Reserves For Losses And Loss Adjustment Expenses) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureDividendsDividendsPaidInTotalAndPerShareDetails" id="DisclosureDividendsDividendsPaidInTotalAndPerShareDetails">
        <link:definition>41201 - Disclosure - Dividends (Dividends Paid In Total And Per Share) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureStatutoryBalancesAndAccountingPracticesScheduleOfStatutoryNetIncomeAndCapitalAndSurplusDetails" id="DisclosureStatutoryBalancesAndAccountingPracticesScheduleOfStatutoryNetIncomeAndCapitalAndSurplusDetails">
        <link:definition>41301 - Disclosure - Statutory Balances And Accounting Practices (Schedule Of Statutory Net Income And Capital And Surplus) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureProfitSharingPlanDetails" id="DisclosureProfitSharingPlanDetails">
        <link:definition>41401 - Disclosure - Profit Sharing Plan (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureShareBasedCompensationNarrativeDetails" id="DisclosureShareBasedCompensationNarrativeDetails">
        <link:definition>41501 - Disclosure - Share-Based Compensation (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureShareBasedCompensationWeightedAverageAssumptionsUnderBlackScholesModelDetails" id="DisclosureShareBasedCompensationWeightedAverageAssumptionsUnderBlackScholesModelDetails">
        <link:definition>41502 - Disclosure - Share-Based Compensation (Weighted-Average Assumptions Under Black-Scholes Model) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureShareBasedCompensationSummaryOfStockOptionActivityDetails" id="DisclosureShareBasedCompensationSummaryOfStockOptionActivityDetails">
        <link:definition>41503 - Disclosure - Share-Based Compensation (Summary Of Stock Option Activity) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureShareBasedCompensationStockOptionAwardsDetails" id="DisclosureShareBasedCompensationStockOptionAwardsDetails">
        <link:definition>41504 - Disclosure - Share-Based Compensation (Stock Option Awards) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureShareBasedCompensationSummaryOfVestedAndUnvestedRsuDetails" id="DisclosureShareBasedCompensationSummaryOfVestedAndUnvestedRsuDetails">
        <link:definition>41505 - Disclosure - Share-Based Compensation (Summary Of Vested And Unvested RSU) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureCommitmentsAndContingenciesNarrativeDetails" id="DisclosureCommitmentsAndContingenciesNarrativeDetails">
        <link:definition>41701 - Disclosure - Commitments And Contingencies (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureCommitmentsAndContingenciesFutureMinimumCommitmentsForOperatingLeasesDetails" id="DisclosureCommitmentsAndContingenciesFutureMinimumCommitmentsForOperatingLeasesDetails">
        <link:definition>41702 - Disclosure - Commitments And Contingencies (Future Minimum Commitments For Operating Leases) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/DisclosureQuarterlyFinancialInformationSummaryOfQuarterlyFinancialInformationDetails" id="DisclosureQuarterlyFinancialInformationSummaryOfQuarterlyFinancialInformationDetails">
        <link:definition>41901 - Disclosure - Quarterly Financial Information (Summary Of Quarterly Financial Information) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/ScheduleSummaryOfInvestmentsOtherThanInvestmentsInRelatedPartiesDetails" id="ScheduleSummaryOfInvestmentsOtherThanInvestmentsInRelatedPartiesDetails">
        <link:definition>42001 - Schedule - Summary Of Investments Other Than Investments In Related Parties (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/ScheduleCondensedFinancialInformationOfRegistrantNarrativeDetails" id="ScheduleCondensedFinancialInformationOfRegistrantNarrativeDetails">
        <link:definition>42101 - Schedule - Condensed Financial Information Of Registrant (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/ScheduleCondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantBalanceSheetsDetails" id="ScheduleCondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantBalanceSheetsDetails">
        <link:definition>42102 - Schedule - Condensed Financial Information Of Registrant (Schedule Of Condensed Financial Information Of Registrant, Balance Sheets) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/ScheduleCondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantStatementsOfOperationsDetails" id="ScheduleCondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantStatementsOfOperationsDetails">
        <link:definition>42103 - Schedule - Condensed Financial Information Of Registrant (Schedule Of Condensed Financial Information Of Registrant, Statements Of Operations) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.mercurygeneralcorporation.com/2010-09-30/role/ScheduleCondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantStatementsOfCashFlowDetails" id="ScheduleCondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantStatementsOfCashFlowDetails">
        <link:definition>42104 - Schedule - Condensed Financial Information Of Registrant (Schedule Of Condensed Financial Information Of Registrant, Statements Of Cash Flow) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:linkbaseRef xlink:type="simple" xlink:href="mcy-20111231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="mcy-20111231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="mcy-20111231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="mcy-20111231_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Calculation Links, all" />
    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <import namespace="http://xbrl.sec.gov/dei/2011-01-31" schemaLocation="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <import namespace="http://fasb.org/us-roles/2011-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2011/elts/us-roles-2011-01-31.xsd" />
  <import namespace="http://xbrl.sec.gov/invest/2011-01-31" schemaLocation="http://xbrl.sec.gov/invest/2011/invest-2011-01-31.xsd" />
  <import namespace="http://fasb.org/us-gaap/2011-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd" />
  <element id="mcy_CostShortTermInvestments" name="CostShortTermInvestments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mcy_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="mcy_FavorableLeasesMember" name="FavorableLeasesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_PercentageOfLargestAmountOfTaxBenefitRealized" name="PercentageOfLargestAmountOfTaxBenefitRealized" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_ScheduleOfGainOrLossOnHedgedItemInSameLineItemOtherRevenueAsOffsettingLossOrGainOnRelatedInterestRateSwapsTableTextBlock" name="ScheduleOfGainOrLossOnHedgedItemInSameLineItemOtherRevenueAsOffsettingLossOrGainOnRelatedInterestRateSwapsTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_CreditFacilityMember" name="CreditFacilityMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_AmountOfTotalLossesGainsForPeriodIncludedInEarningsAttributableToAssetsStillHeld" name="AmountOfTotalLossesGainsForPeriodIncludedInEarningsAttributableToAssetsStillHeld" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mcy_PercentageOfSpecificUnadjustedBrokerQuotesObtained" name="PercentageOfSpecificUnadjustedBrokerQuotesObtained" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_PerformancePeriodOfRestrictedStockAndRestrictedStockUnits" name="PerformancePeriodOfRestrictedStockAndRestrictedStockUnits" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_NetRealizedInvestmentGainsMember" name="NetRealizedInvestmentGainsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_ScheduleOfShareBasedCompensationArrangementTable" name="ScheduleOfShareBasedCompensationArrangementTable" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" xbrli:periodType="duration" />
  <element id="mcy_FairValueLiabilitiesMeasuredOnRecurringBasis" name="FairValueLiabilitiesMeasuredOnRecurringBasis" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="mcy_FairValueAssetsMeasuredOnRecurringBasis" name="FairValueAssetsMeasuredOnRecurringBasis" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mcy_NumberOfKnowledgeableOutsideSecurityBrokersConsultedToDetermineFairValue" name="NumberOfKnowledgeableOutsideSecurityBrokersConsultedToDetermineFairValue" nillable="true" type="xbrli:positiveIntegerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_FairValueTransfersBetweenLevelsOneTwoAndThreeAmount" name="FairValueTransfersBetweenLevelsOneTwoAndThreeAmount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mcy_OptionsGrantedPriorToTwoThousandEightMember" name="OptionsGrantedPriorToTwoThousandEightMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_OptionsGrantedSubsequentToJanuaryOneTwoThousandEightMember" name="OptionsGrantedSubsequentToJanuaryOneTwoThousandEightMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_FairValueMeasurementTable" name="FairValueMeasurementTable" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" xbrli:periodType="duration" />
  <element id="mcy_PublicUtilitiesMember" name="PublicUtilitiesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_ShortTermBondMember" name="ShortTermBondMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_AmortizedCostOnFixedMaturityTradingInvestments" name="AmortizedCostOnFixedMaturityTradingInvestments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mcy_CostEquitySecurityTradingInvestments" name="CostEquitySecurityTradingInvestments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mcy_EquityContractsFinancialInstrumentsLiabilitiesFairValueDisclosure" name="EquityContractsFinancialInstrumentsLiabilitiesFairValueDisclosure" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="mcy_ProceedsFromCallsOfAvailableForSaleSecurities" name="ProceedsFromCallsOfAvailableForSaleSecurities" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mcy_FairValueMeasurementLineItems" name="FairValueMeasurementLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="mcy_LossesAndLossAdjustmentExpensesPolicyTextBlock" name="LossesAndLossAdjustmentExpensesPolicyTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_PercentageOfDirectPremiumsWrittenAsPrivatePassengerAutomobileLinesOfInsurance" name="PercentageOfDirectPremiumsWrittenAsPrivatePassengerAutomobileLinesOfInsurance" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_PercentageOfPrivatePassengerAutomobilePremiumsWrittenInCalifornia" name="PercentageOfPrivatePassengerAutomobilePremiumsWrittenInCalifornia" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_SecuredNoteNo1Member" name="SecuredNoteNo1Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_SecuredNoteNo2Member" name="SecuredNoteNo2Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_EstimatedFairValuesOfInvestmentsTableTextBlock" name="EstimatedFairValuesOfInvestmentsTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_DividendsAndStatutoryRestrictionsTableTextBlock" name="DividendsAndStatutoryRestrictionsTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_ScheduleOfDeferredPolicyAcquisitionCostsTableTextBlock" name="ScheduleOfDeferredPolicyAcquisitionCostsTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_NotesPayableTableTextBlock" name="NotesPayableTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_AisMember" name="AisMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_RevenueAndNetIncomeOfAisAndCompanyTableTextBlock" name="RevenueAndNetIncomeOfAisAndCompanyTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_CombinedEntityMember" name="CombinedEntityMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_ReissuanceRecoverable" name="ReissuanceRecoverable" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mcy_DecreaseInProvisionForInsuredEvents" name="DecreaseInProvisionForInsuredEvents" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="mcy_UnfavorableDevelopment" name="UnfavorableDevelopment" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mcy_FavorableDevelopment" name="FavorableDevelopment" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="mcy_ScheduleOfStatutoryNetIncomeAndCapitalAndSurplusTableTextBlock" name="ScheduleOfStatutoryNetIncomeAndCapitalAndSurplusTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_MaximumPercentageOfCompensationEmployeeIsAllowedToContribute" name="MaximumPercentageOfCompensationEmployeeIsAllowedToContribute" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_DividendReceivableFromAffiliates" name="DividendReceivableFromAffiliates" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mcy_LossBeforeEquityInNetIncomeLossOfSubsidiaries" name="LossBeforeEquityInNetIncomeLossOfSubsidiaries" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mcy_DividendsReceivedFromSubsidiaries" name="DividendsReceivedFromSubsidiaries" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mcy_ProceedsFromDividendsReceivedFromSubsidiaries" name="ProceedsFromDividendsReceivedFromSubsidiaries" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mcy_CapitalContributionsToSubsidiaries" name="CapitalContributionsToSubsidiaries" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="mcy_MccMember" name="MccMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_CommonStockTypeAxis" name="CommonStockTypeAxis" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="duration" />
  <element id="mcy_CommonStockTypeDomain" name="CommonStockTypeDomain" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_BanksTrustAndInsuranceCompaniesMember" name="BanksTrustAndInsuranceCompaniesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_IndustrialAndOtherMember" name="IndustrialAndOtherMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_EarningsPerShareTable" name="EarningsPerShareTable" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" xbrli:periodType="duration" />
  <element id="mcy_BankOfAmericaMember" name="BankOfAmericaMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_UnionBankMember" name="UnionBankMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_AdvanceRateUsedToCalculateCollateralRequirement" name="AdvanceRateUsedToCalculateCollateralRequirement" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_FairValueAssetsMeasuredOnRecurringBasisChangeInFinancialAssetsRelatedToLiquidityAssumptions" name="FairValueAssetsMeasuredOnRecurringBasisChangeInFinancialAssetsRelatedToLiquidityAssumptions" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mcy_PercentageOfNetUnearnedPremium" name="PercentageOfNetUnearnedPremium" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_DeferredTaxLiabilitiesAcquisitionCosts" name="DeferredTaxLiabilitiesAcquisitionCosts" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="mcy_DeferredTaxLiabilitiesAccountingMethodTransitionAdjustments" name="DeferredTaxLiabilitiesAccountingMethodTransitionAdjustments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="mcy_PercentageByWhichDividendIncomeOnNonRedeemablePreferredStockPartnershipCommonStockIsPartiallyTaxSheltered" name="PercentageByWhichDividendIncomeOnNonRedeemablePreferredStockPartnershipCommonStockIsPartiallyTaxSheltered" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_PrivatePassengerAutomobileMember" name="PrivatePassengerAutomobileMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_HomeownersMember" name="HomeownersMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_CommercialAutomobileMember" name="CommercialAutomobileMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_OtherLinesMember" name="OtherLinesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_ScheduleDirectPremiumsAttributableToSegmentTableTextBlock" name="ScheduleDirectPremiumsAttributableToSegmentTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_DeferredTaxLiabilitiesUndistributedInsuranceSubsidiaries" name="DeferredTaxLiabilitiesUndistributedInsuranceSubsidiaries" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="mcy_ScheduleOfDividendsPaidInTotalAndPerShareTableTextBlock" name="ScheduleOfDividendsPaidInTotalAndPerShareTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_RestrictedStockAndRestrictedStockUnitMember" name="RestrictedStockAndRestrictedStockUnitMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_NineteenNinetyFiveEquityParticipationPlanMember" name="NineteenNinetyFiveEquityParticipationPlanMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_PercentageOfStockOptionExercisablePerYear" name="PercentageOfStockOptionExercisablePerYear" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_StockOptionExpirationPeriod" name="StockOptionExpirationPeriod" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedInPeriodTotalFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedInPeriodTotalFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mcy_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExpectedToVest" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExpectedToVest" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="mcy_SummaryOfSignificantAccountingPoliciesTable" name="SummaryOfSignificantAccountingPoliciesTable" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" xbrli:periodType="duration" />
  <element id="mcy_SummaryOfSignificantAccountingPoliciesLineItems" name="SummaryOfSignificantAccountingPoliciesLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="mcy_FurnitureEquipmentAndPurchaseSoftwareMember" name="FurnitureEquipmentAndPurchaseSoftwareMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_StatutoryBalancesAndAccountingPracticesAbstract" name="StatutoryBalancesAndAccountingPracticesAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="mcy_BrokerDirectPremiumsPercentageAccount" name="BrokerDirectPremiumsPercentageAccount" nillable="true" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_RisksAndUncertaintiesTextBlock" name="RisksAndUncertaintiesTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_SecurityDepositsByInsuranceCompanies" name="SecurityDepositsByInsuranceCompanies" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mcy_SecuritiesOnDepositsPolicyTextBlock" name="SecuritiesOnDepositsPolicyTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_PercentageOfFixedMaturitySecurities" name="PercentageOfFixedMaturitySecurities" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_OptionAndShortSaleTransactionsMember" name="OptionAndShortSaleTransactionsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_TechnologyMember" name="TechnologyMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_PartnershipInterestInPrivateCreditFundMember" name="PartnershipInterestInPrivateCreditFundMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_PaymentsOfExtraordinaryDividends" name="PaymentsOfExtraordinaryDividends" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="mcy_PrivateCreditFundMember" name="PrivateCreditFundMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_StatutoryBalancesAndAccountingPracticesTable" name="StatutoryBalancesAndAccountingPracticesTable" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" xbrli:periodType="duration" />
  <element id="mcy_StatutoryBalancesAndAccountingPracticesLineItems" name="StatutoryBalancesAndAccountingPracticesLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="mcy_ExercisePriceRangeFromThirtyThreePointSixOneToFortyPointFiveThreeMember" name="ExercisePriceRangeFromThirtyThreePointSixOneToFortyPointFiveThreeMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_ExercisePriceRangeFromFortyOnePointThreeFourToFiftyOnePointFourThreeMember" name="ExercisePriceRangeFromFortyOnePointThreeFourToFiftyOnePointFourThreeMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_ExercisePriceRangeFromFiftyOnePointFiveOneToFiftyEightPointEightThreeMember" name="ExercisePriceRangeFromFiftyOnePointFiveOneToFiftyEightPointEightThreeMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_PercentageOfUnadjustedFairValuesObtained" name="PercentageOfUnadjustedFairValuesObtained" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_NumberOfSubsidiaries" name="NumberOfSubsidiaries" nillable="true" type="xbrli:positiveIntegerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="mcy_ExtraordinaryIntercompanyDividendDeclared" name="ExtraordinaryIntercompanyDividendDeclared" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="mcy_MortgageBackedSecuritiesTradingSecuritiesFairValueDisclosure" name="MortgageBackedSecuritiesTradingSecuritiesFairValueDisclosure" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mcy_TradingSecuritiesDebtMaturitiesWithinOneYearFairValue" name="TradingSecuritiesDebtMaturitiesWithinOneYearFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mcy_TradingSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" name="TradingSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mcy_TradingSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" name="TradingSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mcy_TradingSecuritiesDebtMaturitiesAfterTenYearsFairValue" name="TradingSecuritiesDebtMaturitiesAfterTenYearsFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="mcy_IncreaseInProvisionForInsuredEvents" name="IncreaseInProvisionForInsuredEvents" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mcy_DeferredTaxLiabilitiesTaxAmortizationInExcessOfBookAmortization" name="DeferredTaxLiabilitiesTaxAmortizationInExcessOfBookAmortization" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="mcy_TwoThousandFourteenExpirationMember" name="TwoThousandFourteenExpirationMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
</schema>