<?xml version="1.0" encoding="US-ASCII"?>
<!--XBRL Document Created with WebFilings-->
<!-- -->
<linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <roleRef roleURI="http://www.mercuryinsurance.com/role/CommitmentsAndContingencies" xlink:href="mcy-20121231.xsd#CommitmentsAndContingencies" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/CommitmentsAndContingenciesFutureMinimumCommitmentsForOperatingLeasesDetails" xlink:href="mcy-20121231.xsd#CommitmentsAndContingenciesFutureMinimumCommitmentsForOperatingLeasesDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/CommitmentsAndContingenciesNarrativeDetails" xlink:href="mcy-20121231.xsd#CommitmentsAndContingenciesNarrativeDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/CommitmentsAndContingenciesTables" xlink:href="mcy-20121231.xsd#CommitmentsAndContingenciesTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/CondensedFinancialInformationOfRegistrant" xlink:href="mcy-20121231.xsd#CondensedFinancialInformationOfRegistrant" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/CondensedFinancialInformationOfRegistrantCondensedFinancialInformationOfRegistrantNarrativesDetails" xlink:href="mcy-20121231.xsd#CondensedFinancialInformationOfRegistrantCondensedFinancialInformationOfRegistrantNarrativesDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/CondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantBalanceSheetsDetails" xlink:href="mcy-20121231.xsd#CondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantBalanceSheetsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/CondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantStatementsOfCashFlowDetails" xlink:href="mcy-20121231.xsd#CondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantStatementsOfCashFlowDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/CondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantStatementsOfComprehensiveIncomeDetails" xlink:href="mcy-20121231.xsd#CondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantStatementsOfComprehensiveIncomeDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/CondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantStatementsOfOperationsDetails" xlink:href="mcy-20121231.xsd#CondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantStatementsOfOperationsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/CondensedFinancialInformationOfRegistrantTables" xlink:href="mcy-20121231.xsd#CondensedFinancialInformationOfRegistrantTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/ConsolidatedBalanceSheets" xlink:href="mcy-20121231.xsd#ConsolidatedBalanceSheets" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/ConsolidatedBalanceSheetsParenthetical" xlink:href="mcy-20121231.xsd#ConsolidatedBalanceSheetsParenthetical" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/ConsolidatedStatementsOfCashFlows" xlink:href="mcy-20121231.xsd#ConsolidatedStatementsOfCashFlows" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/ConsolidatedStatementsOfComprehensiveIncome" xlink:href="mcy-20121231.xsd#ConsolidatedStatementsOfComprehensiveIncome" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/ConsolidatedStatementsOfOperations" xlink:href="mcy-20121231.xsd#ConsolidatedStatementsOfOperations" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/ConsolidatedStatementsOfShareholdersEquity" xlink:href="mcy-20121231.xsd#ConsolidatedStatementsOfShareholdersEquity" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/DeferredPolicyAcquisitionCosts" xlink:href="mcy-20121231.xsd#DeferredPolicyAcquisitionCosts" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/DeferredPolicyAcquisitionCostsDetails" xlink:href="mcy-20121231.xsd#DeferredPolicyAcquisitionCostsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/DeferredPolicyAcquisitionCostsTables" xlink:href="mcy-20121231.xsd#DeferredPolicyAcquisitionCostsTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/DerivativeFinancialInstruments" xlink:href="mcy-20121231.xsd#DerivativeFinancialInstruments" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/DerivativeFinancialInstrumentsNarrativeDetails" xlink:href="mcy-20121231.xsd#DerivativeFinancialInstrumentsNarrativeDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/DerivativeFinancialInstrumentsScheduleOfDerivativeGainsAndLossesInConsolidatedStatementsOfOperationsDetails" xlink:href="mcy-20121231.xsd#DerivativeFinancialInstrumentsScheduleOfDerivativeGainsAndLossesInConsolidatedStatementsOfOperationsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/DerivativeFinancialInstrumentsSummaryOfLocationAndAmountsOfDerivativeFairValuesInConsolidatedBalanceSheetsDetails" xlink:href="mcy-20121231.xsd#DerivativeFinancialInstrumentsSummaryOfLocationAndAmountsOfDerivativeFairValuesInConsolidatedBalanceSheetsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/DerivativeFinancialInstrumentsTables" xlink:href="mcy-20121231.xsd#DerivativeFinancialInstrumentsTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/Dividends" xlink:href="mcy-20121231.xsd#Dividends" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/DividendsDividendsDividendsDeclaredDetails" xlink:href="mcy-20121231.xsd#DividendsDividendsDividendsDeclaredDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/DividendsDividendsPaidInTotalAndPerShareDetails" xlink:href="mcy-20121231.xsd#DividendsDividendsPaidInTotalAndPerShareDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/DividendsTables" xlink:href="mcy-20121231.xsd#DividendsTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/DocumentAndEntityInformation" xlink:href="mcy-20121231.xsd#DocumentAndEntityInformation" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/EarningsPerShare" xlink:href="mcy-20121231.xsd#EarningsPerShare" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/EarningsPerShareDetails" xlink:href="mcy-20121231.xsd#EarningsPerShareDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/EarningsPerShareTables" xlink:href="mcy-20121231.xsd#EarningsPerShareTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/FairValueMeasurement" xlink:href="mcy-20121231.xsd#FairValueMeasurement" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/FairValueMeasurementNarrativeDetails" xlink:href="mcy-20121231.xsd#FairValueMeasurementNarrativeDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/FairValueMeasurementScheduleOfAssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisValuationTechniquesDetails" xlink:href="mcy-20121231.xsd#FairValueMeasurementScheduleOfAssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisValuationTechniquesDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/FairValueMeasurementSummaryOfChangesInFairValueOfLevel3FinancialAssetsAndFinancialLiabilitiesHeldAtFairValueDetails" xlink:href="mcy-20121231.xsd#FairValueMeasurementSummaryOfChangesInFairValueOfLevel3FinancialAssetsAndFinancialLiabilitiesHeldAtFairValueDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/FairValueMeasurementTables" xlink:href="mcy-20121231.xsd#FairValueMeasurementTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/FixedAssets" xlink:href="mcy-20121231.xsd#FixedAssets" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/FixedAssetsDetails" xlink:href="mcy-20121231.xsd#FixedAssetsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/FixedAssetsTables" xlink:href="mcy-20121231.xsd#FixedAssetsTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/GoodwillAndOtherIntangibleAssets" xlink:href="mcy-20121231.xsd#GoodwillAndOtherIntangibleAssets" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/GoodwillAndOtherIntangibleAssetsNarrativeDetails" xlink:href="mcy-20121231.xsd#GoodwillAndOtherIntangibleAssetsNarrativeDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/GoodwillAndOtherIntangibleAssetsScheduleOfComponentsOfOtherIntangibleAssetsDetails" xlink:href="mcy-20121231.xsd#GoodwillAndOtherIntangibleAssetsScheduleOfComponentsOfOtherIntangibleAssetsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/GoodwillAndOtherIntangibleAssetsScheduleOfEstimatedFutureAmortizationExpenseRelatedToIntangibleAssetsDetails" xlink:href="mcy-20121231.xsd#GoodwillAndOtherIntangibleAssetsScheduleOfEstimatedFutureAmortizationExpenseRelatedToIntangibleAssetsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/GoodwillAndOtherIntangibleAssetsTables" xlink:href="mcy-20121231.xsd#GoodwillAndOtherIntangibleAssetsTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/IncomeTaxes" xlink:href="mcy-20121231.xsd#IncomeTaxes" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/IncomeTaxesComponentsOfIncomeTaxExpenseDetails" xlink:href="mcy-20121231.xsd#IncomeTaxesComponentsOfIncomeTaxExpenseDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/IncomeTaxesDeferredTaxAssetsAndLiabilitiesDetails" xlink:href="mcy-20121231.xsd#IncomeTaxesDeferredTaxAssetsAndLiabilitiesDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/IncomeTaxesNarrativeDetails" xlink:href="mcy-20121231.xsd#IncomeTaxesNarrativeDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/IncomeTaxesReconciliationOfIncomeTaxesDetails" xlink:href="mcy-20121231.xsd#IncomeTaxesReconciliationOfIncomeTaxesDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/IncomeTaxesSummaryOfUnrecognizedTaxBenefitsDetails" xlink:href="mcy-20121231.xsd#IncomeTaxesSummaryOfUnrecognizedTaxBenefitsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/IncomeTaxesTables" xlink:href="mcy-20121231.xsd#IncomeTaxesTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/Investments" xlink:href="mcy-20121231.xsd#Investments" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/InvestmentsEstimatedFairValueOfInvestmentsDetails" xlink:href="mcy-20121231.xsd#InvestmentsEstimatedFairValueOfInvestmentsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/InvestmentsGainsAndLossesDueToChangesInFairValueOfInvestmentsDetails" xlink:href="mcy-20121231.xsd#InvestmentsGainsAndLossesDueToChangesInFairValueOfInvestmentsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/InvestmentsGrossGainsAndLossesRealizedOnSalesOfInvestmentsDetails" xlink:href="mcy-20121231.xsd#InvestmentsGrossGainsAndLossesRealizedOnSalesOfInvestmentsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/InvestmentsInvestmentIncomeDetails" xlink:href="mcy-20121231.xsd#InvestmentsInvestmentIncomeDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/InvestmentsNetRealizedInvestmentsGainsDetails" xlink:href="mcy-20121231.xsd#InvestmentsNetRealizedInvestmentsGainsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/InvestmentsTables" xlink:href="mcy-20121231.xsd#InvestmentsTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/LossesAndLossAdjustmentExpenses" xlink:href="mcy-20121231.xsd#LossesAndLossAdjustmentExpenses" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/LossesAndLossAdjustmentExpensesActivityInReservesForLossesAndLossAdjustmentExpensesDetails" xlink:href="mcy-20121231.xsd#LossesAndLossAdjustmentExpensesActivityInReservesForLossesAndLossAdjustmentExpensesDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/LossesAndLossAdjustmentExpensesNarrativeDetails" xlink:href="mcy-20121231.xsd#LossesAndLossAdjustmentExpensesNarrativeDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/LossesAndLossAdjustmentExpensesTables" xlink:href="mcy-20121231.xsd#LossesAndLossAdjustmentExpensesTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/NotesPayable" xlink:href="mcy-20121231.xsd#NotesPayable" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/NotesPayableNarrativeDetails" xlink:href="mcy-20121231.xsd#NotesPayableNarrativeDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/ProfitSharingPlan" xlink:href="mcy-20121231.xsd#ProfitSharingPlan" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/ProfitSharingPlanDetails" xlink:href="mcy-20121231.xsd#ProfitSharingPlanDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/PropertyAndLiabilityInsuranceEarnedPremiums" xlink:href="mcy-20121231.xsd#PropertyAndLiabilityInsuranceEarnedPremiums" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/PropertyAndLiabilityInsuranceEarnedPremiumsScheduleOfPropertyAndLiabilityInsuranceEarnedPremiumsDetails" xlink:href="mcy-20121231.xsd#PropertyAndLiabilityInsuranceEarnedPremiumsScheduleOfPropertyAndLiabilityInsuranceEarnedPremiumsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/QuarterlyFinancialInformation" xlink:href="mcy-20121231.xsd#QuarterlyFinancialInformation" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/QuarterlyFinancialInformationSummaryOfQuarterlyFinancialInformationDetails" xlink:href="mcy-20121231.xsd#QuarterlyFinancialInformationSummaryOfQuarterlyFinancialInformationDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/QuarterlyFinancialInformationTables" xlink:href="mcy-20121231.xsd#QuarterlyFinancialInformationTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/RisksAndUncertainties" xlink:href="mcy-20121231.xsd#RisksAndUncertainties" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/ShareBasedCompensation" xlink:href="mcy-20121231.xsd#ShareBasedCompensation" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/ShareBasedCompensationNarrativeDetails" xlink:href="mcy-20121231.xsd#ShareBasedCompensationNarrativeDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/ShareBasedCompensationStockOptionAwardsDetails" xlink:href="mcy-20121231.xsd#ShareBasedCompensationStockOptionAwardsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/ShareBasedCompensationSummaryOfStockOptionActivityDetails" xlink:href="mcy-20121231.xsd#ShareBasedCompensationSummaryOfStockOptionActivityDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/ShareBasedCompensationSummaryOfVestedAndUnvestedRsuDetails" xlink:href="mcy-20121231.xsd#ShareBasedCompensationSummaryOfVestedAndUnvestedRsuDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/ShareBasedCompensationTables" xlink:href="mcy-20121231.xsd#ShareBasedCompensationTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/StatutoryBalancesAndAccountingPractices" xlink:href="mcy-20121231.xsd#StatutoryBalancesAndAccountingPractices" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/StatutoryBalancesAndAccountingPracticesScheduleOfStatutoryNetIncomeAndCapitalAndSurplusDetails" xlink:href="mcy-20121231.xsd#StatutoryBalancesAndAccountingPracticesScheduleOfStatutoryNetIncomeAndCapitalAndSurplusDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/StatutoryBalancesAndAccountingPracticesTables" xlink:href="mcy-20121231.xsd#StatutoryBalancesAndAccountingPracticesTables" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/SubsequentEvents" xlink:href="mcy-20121231.xsd#SubsequentEvents" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/SubsequentEventsDetails" xlink:href="mcy-20121231.xsd#SubsequentEventsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/SummaryOfInvestmentsOtherThanInvestmentsInRelatedParties" xlink:href="mcy-20121231.xsd#SummaryOfInvestmentsOtherThanInvestmentsInRelatedParties" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/SummaryOfInvestmentsOtherThanInvestmentsInRelatedPartiesDetails" xlink:href="mcy-20121231.xsd#SummaryOfInvestmentsOtherThanInvestmentsInRelatedPartiesDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/SummaryOfSignificantAccountingPolicies" xlink:href="mcy-20121231.xsd#SummaryOfSignificantAccountingPolicies" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/SummaryOfSignificantAccountingPoliciesDirectPremiumAttributableBySegmentDetails" xlink:href="mcy-20121231.xsd#SummaryOfSignificantAccountingPoliciesDirectPremiumAttributableBySegmentDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/SummaryOfSignificantAccountingPoliciesFairValueOfFinancialInstrumentsDetails" xlink:href="mcy-20121231.xsd#SummaryOfSignificantAccountingPoliciesFairValueOfFinancialInstrumentsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/SummaryOfSignificantAccountingPoliciesNarrativeDetails" xlink:href="mcy-20121231.xsd#SummaryOfSignificantAccountingPoliciesNarrativeDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/SummaryOfSignificantAccountingPoliciesPolicy" xlink:href="mcy-20121231.xsd#SummaryOfSignificantAccountingPoliciesPolicy" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/SummaryOfSignificantAccountingPoliciesScheduleOfPerformanceVestingRestrictedStockUnitsGrantedDetails" xlink:href="mcy-20121231.xsd#SummaryOfSignificantAccountingPoliciesScheduleOfPerformanceVestingRestrictedStockUnitsGrantedDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.mercuryinsurance.com/role/SummaryOfSignificantAccountingPoliciesTables" xlink:href="mcy-20121231.xsd#SummaryOfSignificantAccountingPoliciesTables" xlink:type="simple" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/CommitmentsAndContingencies" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/CommitmentsAndContingenciesFutureMinimumCommitmentsForOperatingLeasesDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/CommitmentsAndContingenciesNarrativeDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/CommitmentsAndContingenciesTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/CondensedFinancialInformationOfRegistrant" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/CondensedFinancialInformationOfRegistrantCondensedFinancialInformationOfRegistrantNarrativesDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/CondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantBalanceSheetsDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Liabilities" xlink:label="loc_us-gaap_Liabilities_5c30a2c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:label="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_28d33432-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_5c30a2c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_28d33432-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DueToAffiliateCurrentAndNoncurrent" xlink:label="loc_us-gaap_DueToAffiliateCurrentAndNoncurrent_4d087858-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_5c30a2c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DueToAffiliateCurrentAndNoncurrent_4d087858-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="mcy-20121231.xsd#mcy_IncomeTaxPayableDueToAffiliate" xlink:label="loc_mcy_IncomeTaxPayableDueToAffiliate_85fe9cb8-64d3-11e2-9cb6-12313d1f36c6" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_5c30a2c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_mcy_IncomeTaxPayableDueToAffiliate_85fe9cb8-64d3-11e2-9cb6-12313d1f36c6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="loc_us-gaap_OtherLiabilities_63ed9792-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_5c30a2c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_OtherLiabilities_63ed9792-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Investments" xlink:label="loc_us-gaap_Investments_5b6fa560-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_Investments_5b6fa560-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Cash" xlink:label="loc_us-gaap_Cash_30cae054-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_Cash_30cae054-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:label="loc_us-gaap_AccruedInvestmentIncomeReceivable_293aaa86-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_AccruedInvestmentIncomeReceivable_293aaa86-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DueFromAffiliates" xlink:label="loc_us-gaap_DueFromAffiliates_4d106f4a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DueFromAffiliates_4d106f4a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxReceivable" xlink:label="loc_us-gaap_IncomeTaxReceivable_585986d4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncomeTaxReceivable_585986d4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsNet" xlink:label="loc_us-gaap_DeferredTaxAssetsNet_47290db2-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredTaxAssetsNet_47290db2-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="mcy-20121231.xsd#mcy_IncomeTaxReceivableDueFromAffiliate" xlink:label="loc_mcy_IncomeTaxReceivableDueFromAffiliate_63a9e410-64d3-11e2-9cb6-12313d1f36c6" xlink:type="locator" />
    <calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_mcy_IncomeTaxReceivableDueFromAffiliate_63a9e410-64d3-11e2-9cb6-12313d1f36c6" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/CondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantStatementsOfCashFlowDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/CondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantStatementsOfComprehensiveIncomeDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/CondensedFinancialInformationOfRegistrantScheduleOfCondensedFinancialInformationOfRegistrantStatementsOfOperationsDetails" xlink:type="extended">
    <loc xlink:href="mcy-20121231.xsd#mcy_LossBeforeEquityInNetIncomeLossOfSubsidiaries" xlink:label="loc_mcy_LossBeforeEquityInNetIncomeLossOfSubsidiaries_1f636178-a4db-f1b5-8eb8-403b9c310ab4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_5817da40-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_mcy_LossBeforeEquityInNetIncomeLossOfSubsidiaries_1f636178-a4db-f1b5-8eb8-403b9c310ab4" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_5817da40-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_584ce050-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_mcy_LossBeforeEquityInNetIncomeLossOfSubsidiaries_1f636178-a4db-f1b5-8eb8-403b9c310ab4" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_584ce050-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss_611bec6c-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_611bec6c-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_5817da40-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_611bec6c-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_584ce050-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeLossFromEquityMethodInvestments" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_582659d0-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_611bec6c-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_582659d0-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/CondensedFinancialInformationOfRegistrantTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/ConsolidatedBalanceSheets" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Investments" xlink:label="loc_us-gaap_Investments_5b6fa560-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_Investments_5b6fa560-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TradingSecuritiesDebt" xlink:label="loc_us-gaap_TradingSecuritiesDebt_7217c3ec-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_5b6fa560-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_TradingSecuritiesDebt_7217c3ec-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TradingSecuritiesEquity" xlink:label="loc_us-gaap_TradingSecuritiesEquity_7247f076-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_5b6fa560-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_TradingSecuritiesEquity_7247f076-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShortTermInvestments" xlink:label="loc_us-gaap_ShortTermInvestments_6fb87e70-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_5b6fa560-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_ShortTermInvestments_6fb87e70-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Cash" xlink:label="loc_us-gaap_Cash_30cae054-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_Cash_30cae054-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PremiumsAndOtherReceivablesNet" xlink:label="loc_us-gaap_PremiumsAndOtherReceivablesNet_669e79ca-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_PremiumsAndOtherReceivablesNet_669e79ca-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PremiumsReceivableAtCarryingValue" xlink:label="loc_us-gaap_PremiumsReceivableAtCarryingValue_66885f28-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsAndOtherReceivablesNet_669e79ca-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_PremiumsReceivableAtCarryingValue_66885f28-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherReceivables" xlink:label="loc_us-gaap_OtherReceivables_643486e8-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsAndOtherReceivablesNet_669e79ca-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_OtherReceivables_643486e8-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:label="loc_us-gaap_AccruedInvestmentIncomeReceivable_293aaa86-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsAndOtherReceivablesNet_669e79ca-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_AccruedInvestmentIncomeReceivable_293aaa86-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCosts" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCosts_46f31392-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCosts_46f31392-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_683dcad8-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_683dcad8-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxReceivable" xlink:label="loc_us-gaap_IncomeTaxReceivable_585986d4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncomeTaxReceivable_585986d4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsNet" xlink:label="loc_us-gaap_DeferredTaxAssetsNet_47290db2-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredTaxAssetsNet_47290db2-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Goodwill" xlink:label="loc_us-gaap_Goodwill_567ea9de-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="8" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_Goodwill_567ea9de-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_5a1fdbbc-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="9" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_5a1fdbbc-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherAssets" xlink:label="loc_us-gaap_OtherAssets_62a83842-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="10" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_2c254058-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_OtherAssets_62a83842-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_5c4fc6ae-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Liabilities" xlink:label="loc_us-gaap_Liabilities_5c30a2c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_5c4fc6ae-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_Liabilities_5c30a2c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpensePropertyCasualtyLiability" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpensePropertyCasualtyLiability_5cd55594-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_5c30a2c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpensePropertyCasualtyLiability_5cd55594-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_UnearnedPremiums" xlink:label="loc_us-gaap_UnearnedPremiums_72f85c04-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_5c30a2c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_UnearnedPremiums_72f85c04-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NotesPayable" xlink:label="loc_us-gaap_NotesPayable_61a5eb10-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_5c30a2c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_NotesPayable_61a5eb10-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:label="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_28d33432-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_5c30a2c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_28d33432-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccruedIncomeTaxesCurrent" xlink:label="loc_us-gaap_AccruedIncomeTaxesCurrent_298c645c-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_5c30a2c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_AccruedIncomeTaxesCurrent_298c645c-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilities" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilities_470dba58-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_5c30a2c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredIncomeTaxLiabilities_470dba58-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="loc_us-gaap_OtherLiabilities_63ed9792-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_5c30a2c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_OtherLiabilities_63ed9792-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_707fa1ee-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_5c4fc6ae-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_707fa1ee-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockValue" xlink:label="loc_us-gaap_CommonStockValue_34ddf442-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_707fa1ee-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_CommonStockValue_34ddf442-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AdditionalPaidInCapitalCommonStock" xlink:label="loc_us-gaap_AdditionalPaidInCapitalCommonStock_29c8cba4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_707fa1ee-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_AdditionalPaidInCapitalCommonStock_29c8cba4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_6b785646-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_707fa1ee-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_6b785646-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/ConsolidatedBalanceSheetsParenthetical" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/ConsolidatedStatementsOfCashFlows" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_31a4213e-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_31a4213e-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DepreciationAmortizationAndAccretionNet" xlink:label="loc_us-gaap_DepreciationAmortizationAndAccretionNet_48b65fe0-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DepreciationAmortizationAndAccretionNet_48b65fe0-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RealizedInvestmentGainsLosses" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_69703792-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_69703792-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AmortizationOfDebtDiscountPremium" xlink:label="loc_us-gaap_AmortizationOfDebtDiscountPremium_2b6954c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_AmortizationOfDebtDiscountPremium_2b6954c4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities" xlink:label="loc_us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities_4f6c0772-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="4" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities_4f6c0772-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInPremiumsReceivable" xlink:label="loc_us-gaap_IncreaseDecreaseInPremiumsReceivable_59822700-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="5" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncreaseDecreaseInPremiumsReceivable_59822700-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" xlink:label="loc_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes_589cc610-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="6" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes_589cc610-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts" xlink:label="loc_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_58e41fec-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="7" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_58e41fec-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInLossAndLossAdjustmentExpenseReserve" xlink:label="loc_us-gaap_IncreaseDecreaseInLossAndLossAdjustmentExpenseReserve_594c35b4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="8" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncreaseDecreaseInLossAndLossAdjustmentExpenseReserve_594c35b4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInUnearnedPremiums" xlink:label="loc_us-gaap_IncreaseDecreaseInUnearnedPremiums_598f8b2a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="9" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncreaseDecreaseInUnearnedPremiums_598f8b2a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_59244f04-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="10" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_59244f04-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="loc_us-gaap_ShareBasedCompensation_6ec09264-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="11" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_ShareBasedCompensation_6ec09264-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInOtherAccountsPayable" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherAccountsPayable_5967ff88-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="12" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherAccountsPayable_5967ff88-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_5982d204-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="13" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_5982d204-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss_611bec6c-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="14" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_611fd732-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_NetIncomeLoss_611bec6c-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_60ef698a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_31a4213e-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_60ef698a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_6781c824-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_60ef698a-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_6781c824-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity_6553424e-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_60ef698a-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity_6553424e-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_6752d8de-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_60ef698a-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_6752d8de-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity_6779c9b2-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_60ef698a-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity_6779c9b2-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_655f2aa0-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="5" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_60ef698a-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_655f2aa0-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInBrokerDealerRelatedReceivablesPayablesNet" xlink:label="loc_us-gaap_IncreaseDecreaseInBrokerDealerRelatedReceivablesPayablesNet_59306f82-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="6" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_60ef698a-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncreaseDecreaseInBrokerDealerRelatedReceivablesPayablesNet_59306f82-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleOfShortTermInvestments" xlink:label="loc_us-gaap_ProceedsFromSaleOfShortTermInvestments_677d40ba-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_60ef698a-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_ProceedsFromSaleOfShortTermInvestments_677d40ba-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireProductiveAssets" xlink:label="loc_us-gaap_PaymentsToAcquireProductiveAssets_6546d400-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="8" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_60ef698a-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_PaymentsToAcquireProductiveAssets_6546d400-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleOfProductiveAssets" xlink:label="loc_us-gaap_ProceedsFromSaleOfProductiveAssets_677afcce-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="9" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_60ef698a-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_ProceedsFromSaleOfProductiveAssets_677afcce-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_64c6dc96-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="10" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_60ef698a-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_64c6dc96-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="mcy-20121231.xsd#mcy_ProceedsFromCallsOfAvailableForSaleSecurities" xlink:label="loc_mcy_ProceedsFromCallsOfAvailableForSaleSecurities_3b75e2fc-3bf2-1648-4011-403b9c31d0d2" xlink:type="locator" />
    <calculationArc order="11" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_60ef698a-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_mcy_ProceedsFromCallsOfAvailableForSaleSecurities_3b75e2fc-3bf2-1648-4011-403b9c31d0d2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_60f52a96-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_31a4213e-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_60f52a96-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_65525a64-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_60f52a96-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_65525a64-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xlink:label="loc_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities_4f6b30fe-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_60f52a96-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities_4f6b30fe-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RepaymentsOfUnsecuredDebt" xlink:label="loc_us-gaap_RepaymentsOfUnsecuredDebt_6abdff30-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_60f52a96-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_RepaymentsOfUnsecuredDebt_6abdff30-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RepaymentsOfLongTermLinesOfCredit" xlink:label="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_6ad82ba8-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="4" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_60f52a96-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_6ad82ba8-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromStockOptionsExercised" xlink:label="loc_us-gaap_ProceedsFromStockOptionsExercised_67972912-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_60f52a96-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_ProceedsFromStockOptionsExercised_67972912-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromBankDebt" xlink:label="loc_us-gaap_ProceedsFromBankDebt_6706ec44-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_60f52a96-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_ProceedsFromBankDebt_6706ec44-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/ConsolidatedStatementsOfComprehensiveIncome" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_38f2d2fa-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_643da0a2-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_38f2d2fa-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_643da0a2-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax_62ee12ea-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_643da0a2-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesTax_62ee12ea-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_644a9794-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_643da0a2-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_644a9794-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesBeforeTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesBeforeTax_62c27374-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_644a9794-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossDerivativesQualifyingAsHedgesBeforeTax_62c27374-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss_611bec6c-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_38f2d2fa-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_NetIncomeLoss_611bec6c-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/ConsolidatedStatementsOfOperations" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_5817da40-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BenefitsLossesAndExpenses" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_2dd1c228-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_5817da40-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_BenefitsLossesAndExpenses_2dd1c228-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredNet" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_65eae720-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_2dd1c228-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_65eae720-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense_47258e3a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_2dd1c228-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense_47258e3a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherCostAndExpenseOperating" xlink:label="loc_us-gaap_OtherCostAndExpenseOperating_63a891ba-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_2dd1c228-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_OtherCostAndExpenseOperating_63a891ba-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestExpense" xlink:label="loc_us-gaap_InterestExpense_5a4444fc-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_2dd1c228-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_InterestExpense_5a4444fc-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Revenues" xlink:label="loc_us-gaap_Revenues_6bd78760-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_5817da40-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_Revenues_6bd78760-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PremiumsEarnedNetPropertyAndCasualty" xlink:label="loc_us-gaap_PremiumsEarnedNetPropertyAndCasualty_668e8b00-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_6bd78760-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_PremiumsEarnedNetPropertyAndCasualty_668e8b00-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_5a4e2580-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_6bd78760-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_5a4e2580-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RealizedInvestmentGainsLosses" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_69703792-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_6bd78760-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_69703792-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherIncome" xlink:label="loc_us-gaap_OtherIncome_63b0b318-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_6bd78760-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_OtherIncome_63b0b318-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss_611bec6c-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/ConsolidatedStatementsOfShareholdersEquity" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/DeferredPolicyAcquisitionCosts" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/DeferredPolicyAcquisitionCostsDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/DeferredPolicyAcquisitionCostsTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/DerivativeFinancialInstruments" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/DerivativeFinancialInstrumentsNarrativeDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/DerivativeFinancialInstrumentsScheduleOfDerivativeGainsAndLossesInConsolidatedStatementsOfOperationsDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/DerivativeFinancialInstrumentsSummaryOfLocationAndAmountsOfDerivativeFairValuesInConsolidatedBalanceSheetsDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/DerivativeFinancialInstrumentsTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/Dividends" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/DividendsDividendsDividendsDeclaredDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/DividendsDividendsPaidInTotalAndPerShareDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/DividendsTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/DocumentAndEntityInformation" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/EarningsPerShare" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/EarningsPerShareDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_741fe8a4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_59a8dc24-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_741fe8a4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_59a8dc24-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_7416e4b6-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_741fe8a4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_7416e4b6-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_60fa0d5e-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits" xlink:label="loc_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits_2b78a186-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_60fa0d5e-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_AmountOfDilutiveSecuritiesStockOptionsAndRestrictiveStockUnits_2b78a186-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_60ee7bc4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_60fa0d5e-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_60ee7bc4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/EarningsPerShareTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/FairValueMeasurement" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/FairValueMeasurementNarrativeDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/FairValueMeasurementScheduleOfAssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisValuationTechniquesDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/FairValueMeasurementSummaryOfChangesInFairValueOfLevel3FinancialAssetsAndFinancialLiabilitiesHeldAtFairValueDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/FairValueMeasurementTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/FixedAssets" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/FixedAssetsDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_683dcad8-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentGross_683f0542-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNet_683dcad8-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentGross_683f0542-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BuildingsAndImprovementsGross" xlink:label="loc_us-gaap_BuildingsAndImprovementsGross_2de05450-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentGross_683f0542-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_BuildingsAndImprovementsGross_2de05450-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalizedComputerSoftwareGross" xlink:label="loc_us-gaap_CapitalizedComputerSoftwareGross_306ffb94-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentGross_683f0542-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_CapitalizedComputerSoftwareGross_306ffb94-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FurnitureAndFixturesGross" xlink:label="loc_us-gaap_FurnitureAndFixturesGross_550c1f50-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentGross_683f0542-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_FurnitureAndFixturesGross_550c1f50-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Land" xlink:label="loc_us-gaap_Land_5be47282-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentGross_683f0542-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_Land_5be47282-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LeaseholdImprovementsGross" xlink:label="loc_us-gaap_LeaseholdImprovementsGross_5bf2ed12-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentGross_683f0542-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_LeaseholdImprovementsGross_5bf2ed12-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_29bfb410-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNet_683dcad8-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_29bfb410-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/FixedAssetsTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/GoodwillAndOtherIntangibleAssets" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/GoodwillAndOtherIntangibleAssetsNarrativeDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/GoodwillAndOtherIntangibleAssetsScheduleOfComponentsOfOtherIntangibleAssetsDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_544b59c8-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsGross" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_54334af4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_544b59c8-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_54334af4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_543933d8-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_544b59c8-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_543933d8-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/GoodwillAndOtherIntangibleAssetsScheduleOfEstimatedFutureAmortizationExpenseRelatedToIntangibleAssetsDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_544b59c8-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_5441d830-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_544b59c8-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_5441d830-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_5447a6a2-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_544b59c8-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_5447a6a2-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_54352b8a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_544b59c8-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_54352b8a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_54474748-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_544b59c8-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_54474748-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_5432149a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_544b59c8-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_5432149a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_543dc34e-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_544b59c8-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_543dc34e-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/GoodwillAndOtherIntangibleAssetsTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/IncomeTaxes" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/IncomeTaxesComponentsOfIncomeTaxExpenseDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StateAndLocalIncomeTaxExpenseBenefitContinuingOperations" xlink:label="loc_us-gaap_StateAndLocalIncomeTaxExpenseBenefitContinuingOperations_702af72a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:label="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_446d43a4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StateAndLocalIncomeTaxExpenseBenefitContinuingOperations_702af72a-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_446d43a4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_4736dffa-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StateAndLocalIncomeTaxExpenseBenefitContinuingOperations_702af72a-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_4736dffa-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations" xlink:label="loc_us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations_52d39e84-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CurrentFederalTaxExpenseBenefit" xlink:label="loc_us-gaap_CurrentFederalTaxExpenseBenefit_446e35f2-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations_52d39e84-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_CurrentFederalTaxExpenseBenefit_446e35f2-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_46e95794-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations_52d39e84-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_46e95794-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_584ce050-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_446dc392-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_584ce050-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_446dc392-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_472866e6-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_584ce050-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_472866e6-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/IncomeTaxesDeferredTaxAssetsAndLiabilitiesDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_472b9258-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsGross" xlink:label="loc_us-gaap_DeferredTaxAssetsGross_473698e2-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_472b9258-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredTaxAssetsGross_473698e2-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsCapitalLossCarryforwards" xlink:label="loc_us-gaap_DeferredTaxAssetsCapitalLossCarryforwards_473b493c-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_473698e2-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredTaxAssetsCapitalLossCarryforwards_473b493c-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsOther" xlink:label="loc_us-gaap_DeferredTaxAssetsOther_4745103e-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_473698e2-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredTaxAssetsOther_4745103e-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsImpairmentLosses" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsImpairmentLosses_4744c084-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_473698e2-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsImpairmentLosses_4744c084-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves_4749a734-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_473698e2-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves_4749a734-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsReserves" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsReserves_474ea5fe-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_473698e2-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsReserves_474ea5fe-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsUnearnedPremiumsReserve" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsUnearnedPremiumsReserve_476291a4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_473698e2-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsUnearnedPremiumsReserve_476291a4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TaxCreditCarryforwardDeferredTaxAsset" xlink:label="loc_us-gaap_TaxCreditCarryforwardDeferredTaxAsset_716a9ffa-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="7" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_473698e2-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_TaxCreditCarryforwardDeferredTaxAsset_716a9ffa-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxLiabilities" xlink:label="loc_us-gaap_DeferredTaxLiabilities_47652504-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_472b9258-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredTaxLiabilities_47652504-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="mcy-20121231.xsd#mcy_DeferredTaxLiabilitiesAcquisitionCosts" xlink:label="loc_mcy_DeferredTaxLiabilitiesAcquisitionCosts_a5f4eef7-520d-7f70-df13-403b9c31c6e0" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_47652504-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_mcy_DeferredTaxLiabilitiesAcquisitionCosts_a5f4eef7-520d-7f70-df13-403b9c31c6e0" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities_4774fbf0-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_47652504-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities_4774fbf0-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_477d256e-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_47652504-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_477d256e-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="mcy-20121231.xsd#mcy_DeferredTaxLiabilitiesUndistributedInsuranceSubsidiaries" xlink:label="loc_mcy_DeferredTaxLiabilitiesUndistributedInsuranceSubsidiaries_db219c35-772c-c124-2190-403b9c338bcf" xlink:type="locator" />
    <calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_47652504-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_mcy_DeferredTaxLiabilitiesUndistributedInsuranceSubsidiaries_db219c35-772c-c124-2190-403b9c338bcf" xlink:type="arc" />
    <loc xlink:href="mcy-20121231.xsd#mcy_DeferredTaxLiabilitiesTaxAmortizationInExcessOfBookAmortization" xlink:label="loc_mcy_DeferredTaxLiabilitiesTaxAmortizationInExcessOfBookAmortization_1b9cd7d7-34d9-18b2-cf03-403b9c332def" xlink:type="locator" />
    <calculationArc order="5" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_47652504-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_mcy_DeferredTaxLiabilitiesTaxAmortizationInExcessOfBookAmortization_1b9cd7d7-34d9-18b2-cf03-403b9c332def" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredTaxLiabilitiesOther" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesOther_476b8660-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="6" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_47652504-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesOther_476b8660-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/IncomeTaxesNarrativeDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/IncomeTaxesReconciliationOfIncomeTaxesDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_584ce050-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxReconciliationDeductionsDividends" xlink:label="loc_us-gaap_IncomeTaxReconciliationDeductionsDividends_585a023a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_584ce050-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncomeTaxReconciliationDeductionsDividends_585a023a-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:label="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_58552bde-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_584ce050-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_58552bde-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxReconciliationOtherReconcilingItems" xlink:label="loc_us-gaap_IncomeTaxReconciliationOtherReconcilingItems_58755684-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_584ce050-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncomeTaxReconciliationOtherReconcilingItems_58755684-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xlink:label="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_58710a84-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_584ce050-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_58710a84-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxExemptIncome_586f7264-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="5" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_584ce050-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_IncomeTaxReconciliationTaxExemptIncome_586f7264-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/IncomeTaxesSummaryOfUnrecognizedTaxBenefitsDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/IncomeTaxesTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/Investments" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/InvestmentsEstimatedFairValueOfInvestmentsDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InvestmentsFairValueDisclosure" xlink:label="loc_us-gaap_InvestmentsFairValueDisclosure_5b922ae0-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="mcy-20121231.xsd#mcy_TradingSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="loc_mcy_TradingSecuritiesDebtMaturitiesAfterTenYearsFairValue_1665b779-4edb-4c6c-908e-403b9c332c3f" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InvestmentsFairValueDisclosure_5b922ae0-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_mcy_TradingSecuritiesDebtMaturitiesAfterTenYearsFairValue_1665b779-4edb-4c6c-908e-403b9c332c3f" xlink:type="arc" />
    <loc xlink:href="mcy-20121231.xsd#mcy_TradingSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="loc_mcy_TradingSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_6b4de3dd-1ddb-6d00-36cd-403b9c32403a" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InvestmentsFairValueDisclosure_5b922ae0-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_mcy_TradingSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_6b4de3dd-1ddb-6d00-36cd-403b9c32403a" xlink:type="arc" />
    <loc xlink:href="mcy-20121231.xsd#mcy_TradingSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="loc_mcy_TradingSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_8d05f27d-a474-cd5f-9f09-403b9c313af6" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InvestmentsFairValueDisclosure_5b922ae0-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_mcy_TradingSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_8d05f27d-a474-cd5f-9f09-403b9c313af6" xlink:type="arc" />
    <loc xlink:href="mcy-20121231.xsd#mcy_TradingSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="loc_mcy_TradingSecuritiesDebtMaturitiesWithinOneYearFairValue_bf3c009a-f3ca-6a11-570e-403b9c32ad89" xlink:type="locator" />
    <calculationArc order="4" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InvestmentsFairValueDisclosure_5b922ae0-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_mcy_TradingSecuritiesDebtMaturitiesWithinOneYearFairValue_bf3c009a-f3ca-6a11-570e-403b9c32ad89" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/InvestmentsGainsAndLossesDueToChangesInFairValueOfInvestmentsDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/InvestmentsGrossGainsAndLossesRealizedOnSalesOfInvestmentsDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TradingSecuritiesRealizedGainLoss" xlink:label="loc_us-gaap_TradingSecuritiesRealizedGainLoss_7212fcf4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TradingSecuritiesRealizedGain" xlink:label="loc_us-gaap_TradingSecuritiesRealizedGain_721d95d8-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_TradingSecuritiesRealizedGainLoss_7212fcf4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_TradingSecuritiesRealizedGain_721d95d8-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TradingSecuritiesRealizedLoss" xlink:label="loc_us-gaap_TradingSecuritiesRealizedLoss_72152632-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_TradingSecuritiesRealizedGainLoss_7212fcf4-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_TradingSecuritiesRealizedLoss_72152632-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/InvestmentsInvestmentIncomeDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_5a4e2580-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetInvestmentIncome" xlink:label="loc_us-gaap_NetInvestmentIncome_611db434-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_5a4e2580-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_NetInvestmentIncome_611db434-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InvestmentIncomeInvestmentExpense" xlink:label="loc_us-gaap_InvestmentIncomeInvestmentExpense_5b40fbd4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_5a4e2580-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_InvestmentIncomeInvestmentExpense_5b40fbd4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/InvestmentsNetRealizedInvestmentsGainsDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/InvestmentsTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/LossesAndLossAdjustmentExpenses" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/LossesAndLossAdjustmentExpensesActivityInReservesForLossesAndLossAdjustmentExpensesDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims_5c9785b6-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsCurrentYear" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsCurrentYear_5ce61e4c-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims_5c9785b6-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsCurrentYear_5ce61e4c-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsPriorYears" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsPriorYears_5cce1e3c-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims_5c9785b6-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsPriorYears_5cce1e3c-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaid" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaid_5c527458-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear_5cd58b18-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaid_5c527458-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear_5cd58b18-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears_5c6b79da-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaid_5c527458-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears_5c6b79da-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/LossesAndLossAdjustmentExpensesNarrativeDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/LossesAndLossAdjustmentExpensesTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/NotesPayable" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/NotesPayableNarrativeDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/ProfitSharingPlan" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/ProfitSharingPlanDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/PropertyAndLiabilityInsuranceEarnedPremiums" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/PropertyAndLiabilityInsuranceEarnedPremiumsScheduleOfPropertyAndLiabilityInsuranceEarnedPremiumsDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersNetInvestmentIncome" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersNetInvestmentIncome_710059b0-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPremiumsWritten" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPremiumsWritten_710db1b4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="1" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersNetInvestmentIncome_710059b0-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPremiumsWritten_710db1b4-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CededPremiumsWrittenPropertyAndCasualty" xlink:label="loc_us-gaap_CededPremiumsWrittenPropertyAndCasualty_31dea782-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="2" weight="-1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersNetInvestmentIncome_710059b0-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_CededPremiumsWrittenPropertyAndCasualty_31dea782-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AssumedPremiumsWrittenPropertyAndCasualty" xlink:label="loc_us-gaap_AssumedPremiumsWrittenPropertyAndCasualty_2c3617de-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="locator" />
    <calculationArc order="3" weight="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersNetInvestmentIncome_710059b0-78f6-11e1-94fe-25ba39ebf1f4" xlink:to="loc_us-gaap_AssumedPremiumsWrittenPropertyAndCasualty_2c3617de-78f6-11e1-94fe-25ba39ebf1f4" xlink:type="arc" />
  </calculationLink>
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/QuarterlyFinancialInformation" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/QuarterlyFinancialInformationSummaryOfQuarterlyFinancialInformationDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/QuarterlyFinancialInformationTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/RisksAndUncertainties" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/ShareBasedCompensation" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/ShareBasedCompensationNarrativeDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/ShareBasedCompensationStockOptionAwardsDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/ShareBasedCompensationSummaryOfStockOptionActivityDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/ShareBasedCompensationSummaryOfVestedAndUnvestedRsuDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/ShareBasedCompensationTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/StatutoryBalancesAndAccountingPractices" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/StatutoryBalancesAndAccountingPracticesScheduleOfStatutoryNetIncomeAndCapitalAndSurplusDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/StatutoryBalancesAndAccountingPracticesTables" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/SubsequentEvents" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/SubsequentEventsDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/SummaryOfInvestmentsOtherThanInvestmentsInRelatedParties" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/SummaryOfInvestmentsOtherThanInvestmentsInRelatedPartiesDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/SummaryOfSignificantAccountingPolicies" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/SummaryOfSignificantAccountingPoliciesDirectPremiumAttributableBySegmentDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/SummaryOfSignificantAccountingPoliciesFairValueOfFinancialInstrumentsDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/SummaryOfSignificantAccountingPoliciesNarrativeDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/SummaryOfSignificantAccountingPoliciesPolicy" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/SummaryOfSignificantAccountingPoliciesScheduleOfPerformanceVestingRestrictedStockUnitsGrantedDetails" xlink:type="extended" />
  <calculationLink xlink:role="http://www.mercuryinsurance.com/role/SummaryOfSignificantAccountingPoliciesTables" xlink:type="extended" />
</linkbase>
