Exhibit 21.1


                  SUBSIDIARIES - MERCURY GENERAL CORPORATION



Mercury Casualty Company (100% owned)
Mercury Insurance Company (100% owned by Mercury Casualty Company)
California General Underwriters Insurance Company, Inc. (100% owned by Mercury
Casualty Company)
California Automobile Insurance Company (100% owned)
Mercury Insurance Company of Georgia  (100% owned by California Automobile
Insurance Company)
Mercury Indemnity Company of Georgia (100% owned)
Mercury Insurance Company of Illinois  (100% owned)
Mercury Indemnity Company of Illinois (100% owned by Mercury Insurance Company
of Illinois)
American Mercury Insurance Company (100% owned)
American Mercury Lloyds Insurance Company *
AFI Management Company, Inc. (100% owned by American Fidelity Ins. Company) **
American Mercury MGA, Inc.(100% owned by American Mercury Insurance Company)


*    Controlled by Mercury General Corporation through its attorney-in-fact, AFI
     Management Company, Inc.


**   Attorney-in-fact for American Fidelity Lloyds Insurance Co., whose results
     are consolidated with Mercury General Corporation.