Liberty Mutual vs. Mercury

Compare rates from the top car insurance companies in your area.

Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

Liberty Mutual or Mercury:
Which Company is Best for You?

Choosing an auto insurance company can be tough: rates vary based on your driving record, location, and age, and every company provides a different set of discounts. Liberty Mutual and Mercury are two of the US' top auto insurance companies, providing high-quality policies in many states.

To help simplify the comparison process, we've gathered average policy prices from Mercury and Liberty Mutual. The below cover an array of rating factors, including credit quality, driving history, and demographics. Check out the below rates and find an affordable policy today.

Take a deep dive: Check out our full reviews of Liberty Mutual and Mercury.


Comparing car insurance rates: LIBERTY MUTUAL vs. Mercury


Liberty Mutual vs. Mercury: prices by credit level

If you have extremely bad credit, Mercury could be a better option for you. On average, Mercury offers better prices than Liberty Mutual for prospective clients with credit scores of lower than 580. Insurance shoppers with excellent credit — a score of 800 or better — should consider Check out typical insurance rates by credit level for Mercury and Liberty Mutual below.

Credit levelLiberty Mutual avg. annual premiumMercury avg. annual premium
Very Poor (300-579)$3,228$1,115
Fair (580-669)$2,276$1,115
Good (670-739)$2,109$1,290
Very Good (740-799)$1,878$1,115
Exceptional (800-850)$1,792$1,115

Liberty Mutual vs. Mercury: costs for high-risk drivers

If you're carrying an at-fault collision, speeding ticket, reckless driving violation, or DUI on your résumé, Mercury could be a better choice than Liberty Mutual. Every car insurance company has different post-violation pricing structures, so it's worth comparing quotes to understand which insurer is best for you.

ViolationLiberty Mutual avg. annual premiumMercury avg. annual premium
At-fault accident (damage < $1,000)$2,776$1,822
At-fault accident (damage > $1,000)$2,112$1,125
Reckless driving$3,459$1,882
Speeding ticket$2,068$1,457

Liberty Mutual vs. Mercury: rates by age

Insurers use age to estimate risk, pricing policies accordingly. An auto insurance policy is commonly expensive for teen drivers — due to their increased odds of being involved in an accident — and relatively affordable for older drivers. Since each insurance company evaluates age tiers uniquely, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose Mercury before Liberty Mutual: the former's average annual rates are $3,142 less than the latter's..

AgeLiberty Mutual avg. annual premiumMercury avg. annual premium

Setting aside cost, Liberty Mutual and Mercury each carry pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonLiberty MutualMercury
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
New Vehicle
Annual Mileage
Ratings ComparisonLiberty MutualMercury
Financial Strength GoodSuperior
JD Power Rankings Below averageBelow average
User Satisfaction 4.2/54.2/5
Other ProductsLiberty MutualMercury
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesLiberty MutualMercury
Roadside Assistance
Additional DiscountsLiberty Mutual offers additional discounts such as Newly Independent, New Teen and Good Payer discounts. In addition, Liberty Mutual offers benefits like Accident Forgiveness. Liberty Mutual also allows drivers to lock in their rate for a full year.Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!
Recent QuestionsWhy did my rate increase for a $25 towing claim?
Unfortunately, you were given the correct information. Insurance companies base their&nbsp;rates on the risk of having to pay any claim.
Can I get a refund for premiums I was forced to pay after accident?
Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.
What's the difference between a vanishing deductible and accident forgiveness
Let's first summarize the two: Accident Forgiveness with Liberty Mutual: If you're accident-free for five years (with any company), the company will forgive your first accident and not raise your rates. Furthermore, this policy can apply to all members of the household, including teenagers.
Insurer refuses to give me my money back
I would try calling back again. It could be that the agent you spoke with was misinformed.
See More Questions
Can I use my roadside assistance if I'm in my friends car?
When you have roadside assistance through your insurance company, the service is only available on the vehicle that the coverage is listed. There are other roadside&nbsp;companies that will allow you to use the roadside no matter whose vehicle&nbsp;you are in.
See More Questions
Compare MoreLiberty Mutual vs. 21st Century Liberty Mutual vs. Allied Liberty Mutual vs. Allstate Liberty Mutual vs. American Family Liberty Mutual vs. Amica Mutual Insurance Liberty Mutual vs. Auto Club (AAA) Liberty Mutual vs. Erie Liberty Mutual vs. Esurance Liberty Mutual vs. Farm Bureau Mutual Liberty Mutual vs. Farmers Liberty Mutual vs. Foremost Liberty Mutual vs. GEICO Liberty Mutual vs. Infinity Liberty Mutual vs. MetLife Liberty Mutual vs. Nationwide Liberty Mutual vs. North Star Mutual Liberty Mutual vs. Progressive Liberty Mutual vs. Safe Auto Liberty Mutual vs. State Farm Liberty Mutual vs. The General Liberty Mutual vs. The Hartford Liberty Mutual vs. Titan Liberty Mutual vs. Travelers Liberty Mutual vs. USAAMercury vs. 21st Century Mercury vs. Allied Mercury vs. Allstate Mercury vs. American Family Mercury vs. Amica Mutual Insurance Mercury vs. Auto Club (AAA) Mercury vs. Erie Mercury vs. Esurance Mercury vs. Farm Bureau Mutual Mercury vs. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. MetLife Mercury vs. Nationwide Mercury vs. North Star Mutual Mercury vs. Progressive Mercury vs. Safe Auto Mercury vs. Safeco Mercury vs. State Farm Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury vs. USAA
Top StatesArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia