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.
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 level | Liberty Mutual avg. annual premium | Mercury 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 |
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.
| Violation | Liberty Mutual avg. annual premium | Mercury avg. annual premium |
| At-fault accident (damage < $1,000) | $2,776 | $1,822 |
| At-fault accident (damage > $1,000) | $2,112 | $1,125 |
| DUI/DWI | $4,182 | $1,882 |
| Reckless driving | $3,459 | $1,882 |
| Speeding ticket | $2,068 | $1,457 |
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..
| Age | Liberty Mutual avg. annual premium | Mercury avg. annual premium |
| Teens | $6,559 | $3,417 |
| 20s | $2,686 | $1,554 |
| 30s | $1,942 | $1,554 |
| 40s | $1,926 | $1,115 |
| 50s | $1,793 | $1,086 |
| 60s | $1,746 | $1,034 |
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 Comparison | Liberty Mutual | Mercury |
|---|---|---|
| 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 | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | Liberty Mutual | Mercury |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | Liberty Mutual | Mercury |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Liberty Mutual | Mercury |
|---|---|---|
| About | Liberty Mutual's "Buy Online Now” option may qualify drivers for additional discounts. Liberty Mutual customizes its insurance offerings so drivers only pay for what they need. | Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962. |
| Roadside Assistance | Liberty Mutual offers 24-hour Roadside Assistance (covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors) with the purchase of optional Towing & Labor coverage. | Mercury offers roadside assistance as an optional addition to your policy which provides coverage 24/7 for things like reimbursement for locking keys in your car, a flat tire change, and even a tow up to the limit on your policy. |
| Additional Discounts | Liberty 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 Questions | Why did my rate increase for a $25 towing claim? Unfortunately, you were given the correct information. Insurance companies base their 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 forgivenessSimply put: 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 backI 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 companies that will allow you to use the roadside no matter whose vehicle you are in. What do I do if my vehicle was totaled while parked?I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest. Do I need a police report to file a claim?Accidents that occur on private property do not require a police report in order to file a claim. Your familiarity with the other driver does not impact your ability to file a claim, however the fact that he is uninsured means that you will have to pay your deductible for the repairs. Do I contact the other driver's insurance company if they hit me while at the gas station?If the other party hit your vehicle, and it's pretty clearly they're at fault, then you should contact their insurance for repairs. Parking lot accidents or accidents that occur on private property can be difficult to determine fault, but it sounds like the incident is pretty straight forward. See More Questions |
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