Choosing a car insurance company can be hard: rates can vary based on your driving record, location, and age, and every company's discounts vary. MetLife and Mercury are two of America's top car insurance companies, selling affordable policies across most of the US.
In an effort to take the sting out of shopping for car insurance, we've collected average prices from Mercury and MetLife. These take into account an array of rating factors, including credit history, driving history, and age. Take a look at these rates and find an affordable policy today.
If you have very poor credit, Mercury could be preferable to MetLife. On average, Mercury offers cheaper rates than MetLife for prospective clients with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should opt for Check out common insurance rates by credit level for Mercury and MetLife below.
|Credit score||MetLife avg. annual premium||Mercury avg. annual premium|
|Very Poor (300-579)||$3,495||$1,115|
|Very Good (740-799)||$1,517||$1,115|
If you're dealing with an at-fault accident, ticket, reckless driving citation, or DUI on your driving record, Mercury could be a better choice than MetLife. Each insurance company will handle driving offenses differently, so don't hesitate to shop around to understand which insurer suits you.
|Citation||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|
Car insurance companies use age to outline risk potential, assigning rates accordingly. An auto insurance policy is commonly more expensive for teens — due to their increased odds of being involved in an accident — and more affordable for older drivers. Because each insurance company rates age tiers uniquely, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose Mercury before MetLife: the former's average annual rates are $3,017 less than the latter's..
|Age bracket||MetLife avg. annual premium||Mercury avg. annual premium|
Aside from finances, there are myriad pros and cons of both MetLife and Mercury, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||3 out of 5||2 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||MetLife Auto & Home MyDirect’s 100% digital experience lets you easily buy and manage your policy all online – without ever speaking to an agent over the phone. It’s the first of its kind and backed by the experience of MetLife Auto & Home.||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 help reimburse you 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 you don't make a claim, up to a maximum of $250 that may be used toward your deductible, if you have 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||Whose insurance pays for an accident after running a stop sign?|
Who is at fault if I opened my car door and it was hit by another driver?
I hit a woman in a Walmart parking lot. I was going straight down an aisle and she was going ...
Will a paraphernalia charge impact my auto insurance rate?
I had just parked my car. I opened my door and another car pulled into the spot next to me, ...
If I’m involved in an accident driving my grandmother’s car, will the damage be covered?
I received a ticket for possession of drug paraphernalia in February, but I was not in a vehicle at the ...
See More Questions
I was driving my grandmother’s car and am not listed as a driver on her MetLife insurance policy. Her car ...
|What do I do if my vehicle was totaled while parked?|
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 ...
Can I add my golf cart to my insurance policy?
I was filling up my car at the gas station and was hit from behind by a Jeep. My insurance ...
See More Questions
I just got a shiny new golf cart. It was expensive and I want to make sure it’s covered if ...
|Compare More||MetLife vs. 21st Century MetLife vs. Allied MetLife vs. Allstate MetLife vs. American Family MetLife vs. Amica Mutual Insurance MetLife vs. Auto Club (AAA) MetLife vs. Erie MetLife vs. Esurance MetLife vs. Farm Bureau Mutual MetLife vs. Farmers MetLife vs. Foremost MetLife vs. GEICO MetLife vs. Infinity MetLife vs. Liberty Mutual MetLife vs. Nationwide MetLife vs. North Star Mutual MetLife vs. Progressive MetLife vs. SAFECO MetLife vs. Safe Auto MetLife vs. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers MetLife 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. Liberty Mutual 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...