MetLife vs Mercury: Which is Better for You?

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MetLife or Mercury: Which company is best for you?

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.


MetLife vs. Mercury: by credit level

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

MetLife vs. Mercury: by citation

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

MetLife vs. Mercury: 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 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 supported supported
Multiple Policies supported supported
Multiple Vehicles supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported supported
Defensive Driver supported supported
Student Away at School supported
Driver Training supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase supported
Pay in Full supported
Home Owner supported
eSign or ePay
New Vehicle
Annual Mileage
Ratings Comparison MetLife Mercury
Financial Strength Question mark icon Excellent Superior
JD Power Rankings Question mark icon N/A N/A
User Satisfaction Question mark icon N/A N/A
Other Products MetLife Mercury
Boat Insurance supported
Condo Insurance supported supported
Life Insurance supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
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!
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