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.
RATES BY CREDIT SCORE: MERCURY VS. LIBERTY MUTUAL
| 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 |
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.
RATES BY CITATION: MERCURY VS. LIBERTY MUTUAL
| 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 |
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..
RATES BY AGE: MERCURY VS. LIBERTY MUTUAL
| 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 |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles |
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| Affinity Membership Alum |
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| Advanced Purchase |
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| Pay in Full |
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| Ratings Comparison | Liberty Mutual | Mercury |
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| Financial Strength | Good | Superior |
| JD Power Rankings | Average | N/A |
| User Satisfaction | 4.2/5 | 4.2/5 |
| Other Products | Liberty Mutual | Mercury |
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| 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 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.
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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.
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| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia |