Compare Liberty Mutual vs. Mercury Insurance

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Liberty Mutual and Mercury are two well known companies in the auto insurance world. Liberty Mutual was founded in 1912, and Mercury was founded, 50 years later, in 1962. Mercury is best if you want a good variety of discounts, but may raise your insurance premiums without notice.

On the other hand, Liberty Mutual was rated the #8 auto insurer in 2016 and provides customers with strong online tools, but lacks good 24-hour customer support. Yet and still, both companies have excellent financial strength and J. D. Power ratings.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Liberty Mutual Mercury
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
Mercury
  • You want a lot of good discounts
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
Mercury
  • You want an easy sign-up process

Special Car Insurance Discounts

Liberty Mutual Mercury
Liberty Mutual

Bundle & Save
When you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money.

Multi-Car Discount
The discount does just as it says. For customers who have multiple cars on one policy, Liberty Mutual aims to provide the best value so that managing your auto insurance is as stress-free as possible.

Exclusive Group Savings
Liberty Mutual has partnerships with more than 14,000 organizations. Being a member of any one of them could make you eligible for a discount with the insurance company.

Mercury

Standard Car Insurance Discounts

Bundling Coverage Discounts Liberty Mutual Mercury
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Liberty Mutual Mercury
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Liberty Mutual Mercury
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Liberty Mutual Mercury
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Liberty Mutual Mercury
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Liberty Mutual Mercury
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Liberty Mutual Car Insurance Mercury Insurance
2016 160 71
2015 267 92
2014 235 105
2013 187 83

U.S. Auto Insurance Shopping Study (2016)

Liberty Mutual Car Insurance Mercury Insurance
Overall Purchase Experience Among the best Above average
Policy Offerings Among the best Above average
Pricing Above average Above average
Local Agent Among the best Average
Call Center Representative Above average Average
Insurer Website Average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

Liberty Mutual Car Insurance Mercury Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Average Average
Appraisal Average Below average
Repair Process Average Below average
Rental Car Experience Average Average
Settlement Average Average

Financial Strength Ratings

Liberty Mutual Car Insurance Mercury Insurance
A.M. Best A A+
Moody's A2 --
S&P's A --

Mobile Apps

Liberty Mutual Mercury
Liberty Mutual

Liberty Mutual has a quite a few mobile apps to choose from for managing your car insurance.

The Liberty Mutual Mobile App includes all the features and services of the company’s website in the palm of your hand. You can use it to pay bills, view policy details, change your coverage, and more. You can also use it to record details of your incident and get your claim process started.

The Liberty Mutual CarZen App is mainly geared for Apple devices, and is a powerful tool for car shopping. Use it to research any type of car, see its details with high-resolution photos and read thorough reviews. CarZen makes car shopping simple and hassle-free.

The Home Gallery App allows you to log all your personal items into one mobile database. You’ll have a complete home inventory you can access on hand should you ever experience theft or damage to your home.

For more information and to download any of these apps, click here.

Mercury

Mercury Portal by Mercury Insurance Group is an app that lets you manage your auto insurance policies from your mobile device. You can use the app to pay your auto bills, view your policy information, contact your agent, request policy changes, and even view your policy claims and payment history.

To download the app for Android, click here.

Roadside Assistance

Liberty Mutual Mercury
Liberty Mutual

Liberty Mutual 24-Hour Roadside Assistance

Towing & Labor coverage on the policy. Collision/comprehensive covers this first but Towing & Labor kicks in if driver doesn’t have collision/comprehensive coverage

Roadside Services covered

  • Towing - You will be towed to the Nearest Qualified repair Facility
  • Jumpstart a dead battery - So you can get where you want to go
  • Deliver emergency fue - We'll get you enough gas to reach the nearest service station
  • Change a flat time and install the spare
  • Unlocking vehicle doors - If you're locked out of your car, we'll get it unlocked

Contact Phone Number

Liberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. The company’s roadside assistance website is here.

Mercury

Mercury Mechanical Breakdown Protection

Mechanical Breakdown Protection essentially works as an extended warranty on your car. It covers the cost of repair when it breads down. While not exactly a roadside assistance program it covers that and more.

Roadside Services Covered

  • 24-hour roadside assistance
  • Rental car assistance
  • Tire protection
  • Trip interruption coverage
  • Nationwide protection
  • Repairs at any licensed repair shop
  • No limit to number of claims
  • Coverage is transferrable

Contact Phone Number

For Roadside Assistance, call our hotline (800) 503-3724.