The Zebra doesn't support your browser version, so please give us a call or upgrade your browser to the latest version.
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.
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.
|Credit level||Liberty Mutual avg. annual premium||Mercury avg. annual premium|
|Very Poor (300-579)||$3,228||$1,115|
|Very Good (740-799)||$1,878||$1,115|
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.
|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|
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..
|Age bracket||Liberty Mutual avg. annual premium||Mercury avg. annual premium|
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 Comparison||Liberty Mutual||Mercury|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Liberty Mutual||Mercury|
|JD Power Rankings|
|Other Products||Liberty Mutual||Mercury|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Liberty Mutual||Mercury|
|About||"Buy Online Now” option may qualify you for additional discounts. Here’s why 9 out of 10 customers recommend us: Customized insurance so you only pay for what you need Discounts that save you money Rated “A” by A.M. Best Company.||Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.|
|Roadside Assistance||Liberty 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 Discounts||Liberty 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 Questions||Why did my rate increase for a $25 towing claim?|
Can I get a refund for premiums I was forced to pay after accident?
I used roadside & towing coverage once, my car was towed 2 miles, bill $75, insurance paid $25. I have ...
What’s the difference between a vanishing deductible and accident forgiveness
Had a car accident and the insurance company declared it “totaled.” I live in NY state, was in a car ...
Insurer refuses to give me my money back
Kinda seems like they do the same thing. Do I need both? I have a new teen driver (17-year-old son) ...
See More Questions
On 11/06/2017: I receive a notice of Non-Renewal from Progressive Ins. Notice states that the policy will expire on 12:01 ...
|Can I use my roadside assistance if I’m in my friends car?|
What do I do if my vehicle was totaled while parked?
Does Mercury roadside assistance include lockout service if I’m in another persons car?...
Do I need a police report to file a claim?
My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...
Do I contact the other driver’s insurance company if they hit me while at the gas station?
My son’s car was parked at his girlfriend’s parents house. While backing out of the driveway, her brother clipped my ...
See More Questions
I was filling up my car at the gas station and was hit from behind by a Jeep. My insurance ...
|Compare More||Liberty 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. Safe Auto 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. USAA||Mercury 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. Safe Auto Mercury vs. State Farm Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...