MetLife vs Mercury Car Insurance

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MetLife or Mercury:
Which Company is Best for You?

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.


MetLife vs. Mercury: premium comparison


MetLife vs. Mercury: pricing by credit score

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.


RATES BY CREDIT SCORE: Mercury VS. MetLife
Credit scoreMetLife 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: costs for high-risk drivers

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.


RATES BY CITATION: Mercury VS. MetLife
CitationMetLife 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

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..


RATES BY AGE: Mercury VS. MetLife
Age bracketMetLife 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, 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.

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 SuperiorSuperior
JD Power Rankings
3 out of 5
2 out of 5
User Satisfaction

A

A+

Other ProductsMetLifeMercury
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetLifeMercury
AboutMetLife 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 AssistanceMetLife 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 DiscountsMetLife 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 QuestionsWhose insurance pays for an accident after running a stop sign?

I hit a woman in a Walmart parking lot. I was going straight down an aisle and she was going ...

Who is at fault if I opened my car door and it was hit by another driver?

I had just parked my car. I opened my door and another car pulled into the spot next to me, ...

Will a paraphernalia charge impact my auto insurance rate?

I received a ticket for possession of drug paraphernalia in February, but I was not in a vehicle at the ...

If I’m involved in an accident driving my grandmother’s car, will the damage be covered?

I was driving my grandmother’s car and am not listed as a driver on her MetLife insurance policy. Her car ...

See More Questions
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 ...

Can I add my golf cart to my insurance policy?

I just got a shiny new golf cart. It was expensive and I want to make sure it’s covered if ...

See More Questions
Compare MoreMetLife 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. Farmers MetLife vs. Foremost MetLife vs. GEICO MetLife vs. Infinity MetLife vs. Liberty Mutual MetLife vs. Nationwide 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. 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. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. Liberty Mutual Mercury vs. Nationwide 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 OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia
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MetLife vs Mercury

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