| Important note: As of April 2021, The Farmers Insurance Group has acquired all MetLife auto and homeowners policies. MetLife Auto & Home is no longer affiliated with MetLife, Inc and policyholders will use Farmers services to manage their accounts. For more information on Farmers auto and home insurance policies, check out our Farmers vs. Mercury comparison. |
Choosing an auto insurer can be tricky: companies' rates vary based on your driving history, age, and location, and every company provides a different set of discounts. MetLife and Mercury are counted among America's most popular insurance companies, providing competitively priced policies in most US states.
To take the sting out of shopping for car insurance, we have pulled average rates from Mercury and MetLife. The below cover a variety of pricing factors, including credit history, driving infractions, and age. Examine these rates and find your next car insurance policy today.
Want to find out more? Check out our reviews of MetLife and Mercury.
If you have very poor credit, Mercury could be the best option for you. On average, Mercury offers more affordable prices than MetLife for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or higher — should favor View average insurance costs by credit tier for Mercury and MetLife below.
| Credit level | MetLife avg. annual premium | Mercury avg. annual premium |
| Very Poor (300-579) | $3,495 | $1,115 |
| Fair (580-669) | $2,131 | $1,115 |
| Good (670-739) | $1,778 | $1,290 |
| Very Good (740-799) | $1,517 | $1,115 |
| Exceptional (800-850) | $1,293 | $1,115 |
If you are saddled with an at-fault accident, speeding ticket, reckless driving citation, or DUI on your record, Mercury could be a better choice than MetLife. Every car insurance company will handle driving offenses differently, so it's worth comparing quotes to find out which insurer suits you.
| Violation | MetLife avg. annual premium | Mercury avg. annual premium |
| At-fault accident (damage < $1,000) | $2,598 | $1,822 |
| At-fault accident (damage > $1,000) | $1,679 | $1,125 |
| DUI/DWI | $3,219 | $1,882 |
| Reckless driving | $3,219 | $1,882 |
| Speeding ticket | $2,085 | $1,457 |
Insurers use a driver's age to outline potential risk, pricing premiums accordingly. Auto insurance is typically priciest for teen drivers — because of their inexperience — and more affordable for drivers aged 25 or older. Since every insurance company prices age brackets uniquely, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose Mercury over MetLife: the former's average annual rates are $3,017 less than the latter's..
| Age | MetLife avg. annual premium | Mercury avg. annual premium |
| Teens | $6,434 | $3,417 |
| 20s | $2,457 | $1,554 |
| 30s | $1,598 | $1,554 |
| 40s | $1,590 | $1,115 |
| 50s | $1,520 | $1,086 |
| 60s | $1,414 | $1,034 |
Aside from finances, MetLife and Mercury come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
| Discount Comparison | MetLife | 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 | MetLife | Mercury |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | N/A | N/A |
| User Satisfaction | N/A | N/A |
| Other Products | MetLife | Mercury |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | MetLife | Mercury |
|---|---|---|
| About | Protect yourself and your family with custom-fit car insurance from MetLife Auto & Home®. Be covered in case of an accident or theft and save big by combining auto and home insurance. Get a quote. | Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962. |
| Roadside Assistance | MetLife offers optional Towing & Labor Coverage to reimburse drivers for towing and other roadside-assistance expenses. | 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 | MetLife offers additional savings through a Deductible Savings Benefit (available in select states), which enables you to earn $50 every year in which a driver doesn't make a claim, up to a maximum of $250 that can be put toward the deductible in the event of a covered loss. | Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more! |
| Recent Questions |
If I'm involved in an accident driving my grandmother's car, will the damage be covered?
Luckily, most insurance policies allow for permissive use drivers, so the damage you caused should be covered under your grandmother's policy as long as you aren't a full-time driver. Unfortunately, your grandmother's insurance rate is likely to increase after the claim since it will be considered an At-Fault accident.
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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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