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 | Good | Superior |
| JD Power Rankings | Below average | Below average |
| User Satisfaction | 4.2/5 | 4.2/5 |
| 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 |