Liberty Mutual vs Mercury: Which is Better 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.

Liberty Mutual vs. Mercury: 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.

INSURER 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: by citation

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.

INSURER RATES BY VIOLATION: 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: 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..

INSURER 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.