THE VERDICT
Liberty Mutual is better than Mercury overall, per WalletHub’s grading criteria. Liberty Mutual received 3.2 out of 5 stars from WalletHub editors, whereas Mercury received 3.7 out of 5 stars. You can find more details below about how Liberty Mutual and Mercury stack up against one another.
Compare Liberty Mutual vs. Mercury
- Types of Insurance: Liberty Mutual beats Mercury
- Cost: Mercury beats Liberty Mutual
- Discounts: Liberty Mutual beats Mercury
- NAIC Rating: Mercury beats Liberty Mutual
- J.D. Power Rating: Liberty Mutual ties with Mercury
- Market Share: Liberty Mutual beats Mercury
Liberty Mutual beats Mercury in terms of types of insurance, discounts offered, and customer reviews, though Mercury can offer customers lower rates in some states. Additionally, Liberty Mutual is a larger insurer by market share, which means it has more resources.
Customers who value cost over other factors should not rule out Mercury, since it’s generally cheaper than Liberty Mutual. For instance, a minimum-coverage policy for a good driver in California costs an average of
N/A from Liberty Mutual and
$1,032 per year from Mercury. But despite its more expensive premiums, Liberty Mutual is a better choice overall, since it has much higher customer service ratings.
Liberty Mutual vs. Mercury: Customer Satisfaction Ratings
Source |
Liberty Mutual |
Mercury |
NAIC Complaint Index |
2.66 |
2.51 |
J.D. Power Rating (Customer Satisfaction) |
4.1/5 |
4.1/5 |
J.D. Power Rating (Claim Satisfaction) |
4.4/5 |
4.2/5 |
WalletHub Editor's Rating |
3.2/5 |
3.7/5 |
WalletHub User's Rating |
2.4/5 |
2.1/5 |
The NAIC calculates its Complaint Index score by dividing a company’s number of complaints by its share of market premiums. If that score is higher than the national average of 1.00, the company has received more complaints than normal for an insurance company of its size. WalletHub and J.D. Power use standard 5-star rating scales.
To learn more about what sets these two insurance providers apart, check out WalletHub’s full
Liberty Mutual and
Mercury reviews.