MetLife vs Mercury

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MetLife or Mercury:
Which Company is Best for You?

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.

 

MetLife vs. Mercury: premium comparison

 

MetLife vs. Mercury: pricing by credit score

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 SCORE INSURANCE RATE COMPARISON: Mercury VS. MetLife
Credit levelMetLife avg. annual premiumMercury 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
 

MetLife vs. Mercury: high-risk insurance rate comparison

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.

 
RATES BY VIOLATION: Mercury VS. MetLife
ViolationMetLife avg. annual premiumMercury 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
 

MetLife vs. Mercury: rates by age

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 BRACKET INSURANCE RATE COMPARISON: Mercury VS. MetLife
AgeMetLife avg. annual premiumMercury 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 ComparisonMetLifeMercury
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 ComparisonMetLifeMercury
Financial Strength ExcellentSuperior
JD Power Rankings Below averageBelow average
User Satisfaction N/AN/A
Other ProductsMetLifeMercury
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetLifeMercury
AboutProtect 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 AssistanceMetLife 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 DiscountsMetLife 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 QuestionsIf 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.
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.
See More Questions
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