4.8out of 3,000+ reviews
Liberty Mutual vs Mercury Car Insurance
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Last Updated February 1, 2022
Ratings
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Liberty Mutual
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Mercury
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Liberty Mutual VS Mercury
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User Ratings
| Options | Liberty Mutual  | Mercury |
|---|---|---|
| Rating/Reviews | 857 reviews | 1,419 reviews |
U.S Auto Insurance Shopping Study (2018) ℹ
| Options | Liberty Mutual | Mercury |
|---|---|---|
| Call Center Representative | About average | -- |
| Insurer Website | Better than most | -- |
| Local Agent | Better than most | The rest |
| Overall Satisfaction | About average | The rest |
| Policy Offerings | Better than most | The rest |
| Pricing | About average | The rest |
U.S Auto Insurance Claims Satisfaction Study (2018) ℹ
| Options | Liberty Mutual | Mercury |
|---|---|---|
| Claim Servicing | The rest | The rest |
| Estimation Process | The rest | About average |
| First Notice of Loss (FNOL) | About average | The rest |
| Overall Satisfaction | The rest | The rest |
| Rental Experience | About average | The rest |
| Repair Process | About average | About average |
| Settlement | The rest | About average |
J.D. Power Ratings by Region (out of 1000) ℹ
| Region | Liberty Mutual | Mercury |
|---|---|---|
| California | 816 pt About average | 795 pt The rest |
| Central | 806 pt The rest | -- |
| Florida | 805 pt The rest | 808 pt The rest |
| Mid-Atlantic | 801 pt The rest | -- |
| New England | 809 pt About average | -- |
| New York | 818 pt About average | -- |
| North Central | 812 pt The rest | -- |
| Northwest | 807 pt About average | -- |
| Southeast | 814 pt The rest | -- |
| Southwest | 811 pt About average | -- |
| Texas | 807 pt The rest | -- |
Mobile App Ratings ℹ
| Region | Liberty Mutual | Mercury |
|---|---|---|
| Android | 2,531 Reviews | 161 Reviews |
| iOS | 12,900 Reviews | -- |
Financial Ratings
| Options | Liberty Mutual | Mercury |
|---|---|---|
| A.M. Best | A | A |
| Fitch | A- | A |
| Moody's | A2 | A2 |
| Standard & Poor's | A | -- |
Auto Insurance Quotes
For Married Drivers
| City | Liberty Mutual | Mercury |
|---|---|---|
| Austin | -- | $74 |
| Chicago | -- | $106 |
| Phoenix | -- | $96 |
| Santa Monica | -- | $67 |
For Single Drivers
| City | Liberty Mutual | Mercury |
|---|---|---|
| Austin | -- | $81 |
| Chicago | -- | $152 |
| Phoenix | -- | $93 |
| Santa Monica | -- | $122 |
For Male Drivers
| City | Liberty Mutual | Mercury |
|---|---|---|
| Austin | -- | $77 |
| Chicago | -- | $146 |
| Phoenix | -- | $94 |
| Santa Monica | -- | $116 |
For Female Drivers
| City | Liberty Mutual | Mercury |
|---|---|---|
| Austin | -- | $78 |
| Chicago | -- | $113 |
| Phoenix | -- | $95 |
| Santa Monica | -- | $72 |
For Drivers with Speeding Ticket
| City | Liberty Mutual | Mercury |
|---|---|---|
| Austin | -- | $102 |
| Chicago | -- | $174 |
| Phoenix | -- | $114 |
| Santa Monica | -- | $134 |
For Drivers with No Speeding Ticket
| City | Liberty Mutual | Mercury |
|---|---|---|
| Austin | -- | $72 |
| Chicago | -- | $119 |
| Phoenix | -- | $91 |
| Santa Monica | -- | $86 |
For Drivers Age Between 18-40
| City | Liberty Mutual | Mercury |
|---|---|---|
| Austin | -- | $81 |
| Chicago | -- | $150 |
| Phoenix | -- | $92 |
| Santa Monica | -- | $136 |
For Drivers Age Between 40-65
| City | Liberty Mutual | Mercury |
|---|---|---|
| Austin | -- | $70 |
| Chicago | -- | $103 |
| Phoenix | -- | $90 |
| Santa Monica | -- | $60 |
For Drivers Age of 65+
| City | Liberty Mutual | Mercury |
|---|---|---|
| Austin | -- | $93 |
| Chicago | -- | $147 |
| Phoenix | -- | $123 |
| Santa Monica | -- | $67 |
For Drivers with Average Credit
| City | Liberty Mutual | Mercury |
|---|---|---|
| Austin | -- | $86 |
| Chicago | -- | $134 |
| Phoenix | -- | $103 |
| Santa Monica | -- | $83 |
For Drivers with Fair Credit
| City | Liberty Mutual | Mercury |
|---|---|---|
| Austin | -- | $84 |
| Chicago | -- | $111 |
| Phoenix | -- | $102 |
| Santa Monica | -- | $79 |
For Drivers with Good Credit
| City | Liberty Mutual | Mercury |
|---|---|---|
| Austin | -- | $74 |
| Chicago | -- | $123 |
| Phoenix | -- | $99 |
| Santa Monica | -- | $67 |
For Drivers with Excellent Credit
| City | Liberty Mutual | Mercury |
|---|---|---|
| Austin | -- | $67 |
| Chicago | -- | $149 |
| Phoenix | -- | $75 |
| Santa Monica | -- | $147 |
Quotes & Discounts
| Discount type | Liberty Mutual | Mercury |
|---|---|---|
| Advance shopper | Up to 45% | -- |
| Driving training | Up to 30% | -- |
| RightTrack | Up to 30% | -- |
| Anti-Theft Device | Up to 25% | Up to 5% |
| Good Student | Up to 22% | Up to 10% |
| Passive Restraint | Up to 20% | Up to 5% |
| Starting your auto quote online | Up to 12% | -- |
| Multiple Vehicle | Up to 5% | Up to 26% |
| Accident Free | Varies | -- |
| Accident Prevention Course | Varies | -- |
| Anti-lock Brake | Varies | -- |
| ByMile | Varies | -- |
| Claims Free Renewal | Varies | -- |
| EV/Hybrid | Varies | -- |
| Early Shopper | Varies | -- |
| Electronic Stability Control | Varies | -- |
| Home Owner | Varies | -- |
| Military | Varies | -- |
| Multiple Policy | Varies | Up to 10% |
| New Graduate | Varies | -- |
| New Teen Driver | Varies | -- |
| Newlywed | Varies | -- |
| Organization | Varies | Varies |
| Paid in full | Varies | Varies |
| Paperless documents | Varies | -- |
| Policy Update/Extension | Varies | -- |
| Preferred payment | Varies | -- |
| Safety Feature | Varies | -- |
| Senior Adult | Varies | Varies |
| Signing documents when you buy online | Varies | -- |
| Student Away at School | Varies | Up to 10% |
| teenSMART | Varies | -- |
| Federal Employee | -- | Varies |
| Good Credit | -- | Up to 73% |
| Good Driver | -- | Up to 18% |
| Low Mileage | -- | Varies |
| Occasional driver | -- | Varies |
| Professional organization | -- | Varies |
| Public Safety Professional | -- | Varies |
| VIN Etching | -- | Varies |
Payment Methods
| Discount type | Liberty Mutual | Mercury |
|---|---|---|
| Automatic Online Payment ℹ |  | -- |
| Bank Payment/Direct Deposit | | -- |
| Credit Card Payment | | -- |
| Debit Card Payments | | -- |
| Electronic Check ℹ | | -- |
| Mail Payment ℹ | | |
| Mobile App Payments ℹ | | -- |
| Online Payment ℹ | | |
| Payroll Deduction ℹ | | -- |
| Person 2 Person Payment | -- | |
| Phone Payment ℹ | | |
| Prepayment ℹ | | -- |
Features and Services
| Features and Services | Liberty Mutual | Mercury |
|---|---|---|
| 24/7 service | | |
| Accident forgiveness | | -- |
| Enhanced towing & substitute coverage | | -- |
| Mobile app | | -- |
| Online account management | | |
| Policy bundling discounts | | -- |
| Roadside assistance | | |
Optional Coverages
| Optional Coverages | Liberty Mutual | Mercury |
|---|---|---|
| Accident Forgiveness ℹ | | -- |
| Better Car Replacement ℹ | | -- |
| Comprehensive Claim Forgiveness ℹ | -- | |
| Emergency Assistance Coverage ℹ | | -- |
| Emergency Lockout Coverage ℹ | | -- |
| Gap Insurance ℹ | | -- |
| Legal Defense Costs Coverage ℹ | | -- |
| Lifetime Repair Guarantee ℹ | | -- |
| New Car Replacement Coverage ℹ | | -- |
| Original Equipment Manufacturer Coverage ℹ | | -- |
| Rental Reimbursement ℹ | | |
| Roadside Assistance ℹ | | |
| Teachers Insurance ℹ | | -- |
| Vanishing Deductible ℹ | | -- |
| Work Loss Coverage ℹ | | -- |
Insurance by State
Car Insurance
- Liberty Mutual
- Mercury
- Both
Uber and Lyft driver insurance
- Liberty Mutual
- Mercury
- Both
SR-22 Insurance by State
- Liberty Mutual
- Mercury
- Both
Compare Insurance Products
| Product | Liberty Mutual | Mercury |
|---|---|---|
 Accident Insurance | | -- |
 ATV Insurance | | -- |
 Car Insurance | | |
 Boat Insurance | | -- |
 Business Insurance | -- | |
 Classic Car Insurance | | -- |
 Commercial Insurance | -- | |
 Condo Insurance | | |
 Critical Illness Insurance | | -- |
 Dwelling Fire Insurance | | -- |
 Flood Insurance | | -- |
 Home Insurance | | |
 Identity Theft Insurance | | -- |
 Life Insurance | | -- |
 Mobile Home Insurance | | -- |
 Motorcycle Insurance | | -- |
 Pet Insurance | | -- |
 Renters Insurance | | |
 RV Insurance | | -- |
 Small Business Insurance | | -- |
 Tuition Insurance | | -- |
 Umbrella Insurance | | |
User Reviews
- Liberty Mutual Reviews
- Mercury Reviews
3.0
856 Reviews
5 Stars
28 %
4 Stars
15 %
3 Stars
16 %
2 Stars
8 %
1 Star
32 %
Most Positive Review
By Lisa
Most Critical Review
By Cynthia
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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.