MetLife vs Mercury Car Insurance

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MetLife or Mercury:
Which Company is Best for You?

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: premium comparison


MetLife vs. Mercury: pricing by credit score

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 SCORE INSURANCE RATE COMPARISON: Mercury VS. MetLife
Credit levelMetLife 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: high-risk insurance rate comparison

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.


RATES BY VIOLATION: Mercury VS. MetLife
ViolationMetLife 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

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 BRACKET INSURANCE RATE COMPARISON: Mercury VS. MetLife
AgeMetLife 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, 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 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
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
User Satisfaction

A+

A+

Other ProductsMetLifeMercury
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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?
Unfortunately stop signs in parking lots are not the same as stop signs on the street when it comes to determining fault. Parking lot accidents are often difficult to assign fault for insurance companies so they may ultimately decide to cover only their own customer's damage by saying the that fault was 50/50 between the drivers.
Who is at fault if I opened my car door and it was hit by another driver?
In situations where a car door is opened and subsequently hit, fault is generally with the person who opened the door. There are scenarios where both drivers may share liability and each situation is different, so it's difficult to say with any certainty where fault lies.
Will a paraphernalia charge impact my auto insurance rate?
Tickets that impact your auto insurance rate are generally moving violations, so you probably don't have to worry about this showing up on your driving report. The exception would be if your drivers license was suspended because of the ticket, but the suspension is what would impact your rate and not the ticket itself.
If I'm involved in an accident driving my grandmother's car, will the damage be covered?
Luckily, most insurance policies allow for permissive use drivers, so the damage you caused should be covered under your grandmother's policy as long as you aren't a full-time driver. Unfortunately, your grandmother's insurance rate is likely to increase after the claim since it will be considered an At Fault accident.
See More Questions
Can I use my roadside assistance if I'm in my friends car?
When you have roadside assistance through your insurance company, the service is only available on the vehicle that the coverage is listed. There are other roadside companies that will allow you to use the roadside no matter whose vehicle you are in.
What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.
Do I need a police report to file a claim?
Accidents that occur on private property do not require a police report in order to file a claim. Your familiarity with the other driver does not impact your ability to file a claim, however the fact that he is uninsured means that you will have to pay your deductible for the repairs.
Do I contact the other driver's insurance company if they hit me while at the gas station?
If the other party hit your vehicle, and it's pretty clearly they're at fault, then you should contact their insurance for repairs. Parking lot accidents or accidents that occur on private property can be difficult to determine fault, but it sounds like the incident is pretty straight forward.
See More Questions
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MetLife vs Mercury

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