Liberty Mutual vs Mercury Car Insurance

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Liberty Mutual or Mercury:
Which Company is Best for You?

Choosing an auto insurer can be tricky: the rates each insurer offers can vary widely based on your driving history, location, and age, and companies offer an array of perks. Liberty Mutual and Mercury are among the most popular insurers, providing competitively priced policies in most states.

To make insurance shopping seamless, we've collected average policy prices from Mercury and Liberty Mutual. These cover an array of rating factors, including credit rating, driving behavior, and age. Check out the below rates and find an affordable policy today.

 

Comparing car insurance rates: Liberty Mutual vs. Mercury

 

Liberty Mutual vs. Mercury: by credit level

If you have very poor credit, Mercury could be the best option for you. On average, Mercury offers lower rates than Liberty Mutual for prospective clients with credit scores of less than 580. Drivers with excellent credit — a score of 800 or better — should lean toward Check out typical insurance rates by credit tier for Mercury and Liberty Mutual below.

 

COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Mercury VS. Liberty Mutual
Credit levelLiberty Mutual avg. annual premiumMercury 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: rates for drivers with bad records

If you have an at-fault accident, speeding violation, reckless driving citation, or DUI offense on your driving record, Mercury could be a better choice than Liberty Mutual. Each car insurance company enacts rate penalties differently, so always do your due diligence and compare quotes to understand which insurer suits you.

 

RATES BY VIOLATION: Mercury VS. Liberty Mutual
ViolationLiberty Mutual avg. annual premiumMercury 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: rates by age bracket

Insurance companies use age to indicate risk, pricing premiums accordingly. Auto insurance is often more expensive for teen drivers — because of their inexperience — and more affordable for middle-aged drivers. Since every insurance company prices ages uniquely, it's wise to compare rates and find great coverage.

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..

 

RATES BY AGE: Mercury VS. Liberty Mutual
Age bracketLiberty Mutual avg. annual premiumMercury 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

 

Aside from finances, Liberty Mutual and Mercury come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonLiberty MutualMercury
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 ComparisonLiberty MutualMercury
Financial Strength ExcellentSuperior
JD Power Rankings
3 out of 5
2 out of 5
User Satisfaction

A+

A+

Other ProductsLiberty MutualMercury
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesLiberty MutualMercury
AboutLiberty Mutual is committed to providing broad, useful and competitively-priced insurance products and services to meet their customers' ever-changing needs.Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.
Roadside AssistanceLiberty Mutual offers 24-hour Roadside Assistance (covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors) with the purchase of optional Towing & Labor coverage.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 DiscountsLiberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated.Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!
Recent QuestionsWhy did my rate increase for a $25 towing claim?

I used roadside & towing coverage once, my car was towed 2 miles, bill $75, insurance paid $25. I have ...

Can I get a refund for premiums I was forced to pay after accident?

Had a car accident and the insurance company declared it “totaled.” I live in NY state, was in a car ...

What’s the difference between a vanishing deductible and accident forgiveness

Kinda seems like they do the same thing. Do I need both? I have a new teen driver (17-year-old son) ...

Insurer refuses to give me my money back

On 11/06/2017: I receive a notice of Non-Renewal from Progressive Ins. Notice states that the policy will expire on 12:01 ...

See More Questions
Can I use my roadside assistance if I’m in my friends car?

Does Mercury roadside assistance include lockout service if I’m in another persons car?...

What do I do if my vehicle was totaled while parked?

My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...

Do I need a police report to file a claim?

My son’s car was parked at his girlfriend’s parents house. While backing out of the driveway, her brother clipped my ...

Do I contact the other driver’s insurance company if they hit me while at the gas station?

I was filling up my car at the gas station and was hit from behind by a Jeep. My insurance ...

See More Questions
Compare MoreLiberty Mutual vs. 21st Century Liberty Mutual vs. Allied Liberty Mutual vs. Allstate Liberty Mutual vs. American Family Liberty Mutual vs. Amica Mutual Insurance Liberty Mutual vs. Auto Club (AAA) Liberty Mutual vs. Erie Liberty Mutual vs. Esurance Liberty Mutual vs. Farm Bureau Mutual Liberty Mutual vs. Farmers Liberty Mutual vs. Foremost Liberty Mutual vs. GEICO Liberty Mutual vs. Infinity Liberty Mutual vs. MetLife Liberty Mutual vs. Nationwide Liberty Mutual vs. North Star Mutual Liberty Mutual vs. Progressive Liberty Mutual vs. SafeAuto Liberty Mutual vs. State Farm Liberty Mutual vs. The General Liberty Mutual vs. The Hartford Liberty Mutual vs. Titan Liberty Mutual vs. Travelers Liberty Mutual vs. USAAMercury vs. 21st Century Mercury vs. Allied Mercury vs. Allstate Mercury vs. American Family Mercury vs. Amica Mutual Insurance Mercury vs. Auto Club (AAA) Mercury vs. Erie Mercury vs. Esurance Mercury vs. Farm Bureau Mutual Mercury vs. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. MetLife Mercury vs. Nationwide Mercury vs. North Star Mutual Mercury vs. Progressive Mercury vs. SAFECO Mercury vs. SafeAuto Mercury vs. State Farm Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia
Additional Resources:

Liberty Mutual vs Mercury

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