Freedom National vs Mercury Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Freedom National
Not Rated
What is this?

Insurify Composite Score

Mercury
81
What is this?

Insurify Composite Score

Freedom National VS Mercury
Not Rated
81
What is this?
User Ratings
OptionsFreedom National Mercury
Rating/Reviews
27 reviews
1,419 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsFreedom National Mercury
Local Agent--The rest
Overall Satisfaction--The rest
Policy Offerings--The rest
Pricing--The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsFreedom National Mercury
Claim Servicing--The rest
Estimation Process--About average
First Notice of Loss (FNOL)--The rest
Overall Satisfaction--The rest
Rental Experience--The rest
Repair Process--About average
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionFreedom National Mercury
California--795 pt
The rest
Florida--808 pt
The rest
Mobile App Ratings
RegionFreedom National Mercury
Android--
161 Reviews
Financial Ratings
OptionsFreedom National Mercury
A.M. Best--A
Fitch--A
Moody's--A2

Auto Insurance Quotes

For Married Drivers

CityFreedom National Mercury
Austin--$74
Chicago--$106
Phoenix--$96
Santa Monica--$67

For Single Drivers

CityFreedom National Mercury
Austin--$81
Chicago--$152
Phoenix--$93
Santa Monica--$122

For Male Drivers

CityFreedom National Mercury
Austin--$77
Chicago--$146
Phoenix--$94
Santa Monica--$116

For Female Drivers

CityFreedom National Mercury
Austin--$78
Chicago--$113
Phoenix--$95
Santa Monica--$72

For Drivers with Speeding Ticket

CityFreedom National Mercury
Austin--$102
Chicago--$174
Phoenix--$114
Santa Monica--$134

For Drivers with No Speeding Ticket

CityFreedom National Mercury
Austin--$72
Chicago--$119
Phoenix--$91
Santa Monica--$86

For Drivers Age Between 18-40

CityFreedom National Mercury
Austin--$81
Chicago--$150
Phoenix--$92
Santa Monica--$136

For Drivers Age Between 40-65

CityFreedom National Mercury
Austin--$70
Chicago--$103
Phoenix--$90
Santa Monica--$60

For Drivers Age of 65+

CityFreedom National Mercury
Austin--$93
Chicago--$147
Phoenix--$123
Santa Monica--$67

For Drivers with Average Credit

CityFreedom National Mercury
Austin--$86
Chicago--$134
Phoenix--$103
Santa Monica--$83

For Drivers with Fair Credit

CityFreedom National Mercury
Austin--$84
Chicago--$111
Phoenix--$102
Santa Monica--$79

For Drivers with Good Credit

CityFreedom National Mercury
Austin--$74
Chicago--$123
Phoenix--$99
Santa Monica--$67

For Drivers with Excellent Credit

CityFreedom National Mercury
Austin--$67
Chicago--$149
Phoenix--$75
Santa Monica--$147

Quotes & Discounts

Discount typeFreedom National Mercury
Good DriverUp to 20%Up to 18%
Multiple VehicleUp to 20%Up to 26%
Claims Free RenewalUp to 15%--
Good StudentUp to 5%Up to 10%
Mature driverUp to 5%--
Paid in fullUp to 5%Varies
E-billingVaries--
Anti-Theft Device--Up to 5%
Federal Employee--Varies
Good Credit--Up to 73%
Low Mileage--Varies
Multiple Policy--Up to 10%
Occasional driver--Varies
Organization--Varies
Passive Restraint--Up to 5%
Professional organization--Varies
Public Safety Professional--Varies
Senior Adult--Varies
Student Away at School--Up to 10%
VIN Etching--Varies

Payment Methods

Discount typeFreedom National Mercury
Automatic Online Payment
yes--
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
Mail Payment
yesyes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesFreedom National Mercury
24/7 serviceyesyes
Flexible / convenient paymentsyes--
Low prices for high risk driversyes--
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesFreedom National Mercury
Comprehensive Claim Forgiveness
--yes
Gap Insurance
yes--
Glass Coverage yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes

Insurance by State

Online Quoting by State

  • Freedom National
  • Mercury
  • Both

Uber and Lyft driver insurance

  • Freedom National
  • Mercury
  • Both

SR‌-22 Insurance by State

  • Freedom National
  • Mercury
  • Both

Compare Insurance Products

ProductFreedom National Mercury
Car InsuranceCar Insuranceyesyes
Business InsuranceBusiness Insurance--yes
Commercial InsuranceCommercial Insurance--yes
Condo InsuranceCondo Insurance--yes
Home InsuranceHome Insurance--yes
Renters InsuranceRenters Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Freedom National Reviews
  • Mercury Reviews
1.6
5 Stars
11 %
4 Stars
4 %
2 Stars
7 %
1 Star
78 %

Most Positive Review

By Donna
They were good to me. I was just seeing if there were anyone cheaper.

Most Critical Review

By Kristina
Lack of customer service and always changing policy and Payment amount

All Reviews

Showing 1 - 10 out of 27 Reviews
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Read reviews that mention

Darcie L Hilander
This company is WRONG.! I paid for an auto insurance policy in July of 2020 with FREEDOM NATIONAL. I paid 6 months in advance like I always do. My policy was due again the last day of November 2020. Well thank God I didn't have an accident! I am on a fixed income and I had money left over in my account , I found that FN didn't take it out and I had been uninsured for 4days. This is HUGE 4 me as I didn't always have it in the past. I paid it right away just to find an email the very next day cancelling my policy due to them going out of business. The story goes on but I really can't write a novel right now. Just keep in mind THEY DOUBLE CHARGED ME AND SAY THEY CANT REFUND ME! someother company is doing that. STILL NO REFUND and now I can't even afford insurance. For another year! Jerks
David ángel
Un mal servicio no buscan la satisfacción de el cliente y tampoco les interesa q pongas tu vida en riesgo ni las de los demás .
Chris L
Had renewal come up for six-month policy. Had to go to monthly policy for a few months and pay monthly due to finances. On the Free National site a new policy app will not process. They keep transferring me to underwriters Freedom National claims can restructure my policy for monthly. But a quote for Freedom National does not appear for that underwriter. BUT WAIT ! They can get me with Progressive for only 60% more ! I am getting scammed. Went in circles with Freedom National and the underwriter SEVEN times this morning, each time Freedom National promised the underwriter could restructure the Freedom National policy at very close to the same rate.
jewel W
AS I WAS READY TO SIGN MY DOCUMENT'S, I PULL UP THEIR REPORT FROM THE BBB. THANK GOD I DID I WAS NOT HAPPY WITH WHAT I READ. SO WHY GO THIS THIS #### IF U KNOW THAT ALL OF THEIR REPORT ARE BAD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! DON'T EVEN THINK TWICE ABOUT USING THEIR INSURANCE. THANK YOU !!!!!!!!!! EVERYONE FOR EXPOSING THAT RIP OFF COMPANY. I WILL NOT DO ANY BUSINESS WITH THIS COMPANY!!!!!!!!!!!!!!! DON'T DO IT!!!!!! 02/26/2019 THEY REALLY DON'T DESERVE A STAR
Jean
Horrible customer service, constant fluctuation in monthly billing (meaning it was a different amount every month) and we received different answers from every representative we talked to. Terrible company.
Amber Buckhalter
Cheapest Auto insurance company to keep you legal. No deposit!
FERAS HAJ AHMED
HGA137581
FuckFreedomNational
Applied for insurance and was given all proper documents yet it is showing i have no insurance.
Kristina
Lack of customer service and always changing policy and Payment amount
Kristina
Lack of customer service and always changing policy and Payment amount
Showing 1 - 10 out of 27 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.