Liberty Mutual vs. Progressive: Which Is the Best? (2025)
Progressive’s relatively low rates and higher customer satisfaction scores earn it a higher Insurify Quality (IQ) Score than Liberty Mutual.
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Written bySarah Sharkey
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A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Courtney MikulskiSenior Editor, Auto
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Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
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Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Liberty Mutual and Progressive both rank among the largest insurance companies by market share in the U.S.[1] Reassuring financial strength and memorable TV ads help these companies stay on top. However, both companies have their own trade-offs to consider.
For example, Progressive offers lower average rates than Liberty Mutual. But Liberty Mutual offers more coverage options than Progressive.
As you explore your options, it’s helpful to take a close look at the details of both companies. Here’s what you need to know about Progressive’s and Liberty Mutual’s rates, customer service, coverage options, and discounts to help you make the right choice for your situation.
Quick Facts
Progressive earned an IQ Score of 8.7 out of 10, while Liberty Mutual earned an IQ Score of 7.7 out of 10.
The average cost of Progressive’s liability insurance is $101 per month, which is less than Liberty Mutual’s average of $161 per month.
Progressive offers a few more coverages than Liberty Mutual, including pet injury and rideshare insurance.
Liberty Mutual vs. Progressive: The verdict
On average, Progressive offers lower liability-only quotes to drivers than Liberty Mutual. But both companies offer average rates cheaper than the national average. Some drivers may find lower rates with Liberty Mutual. For example, Liberty Mutual has lower average rates than Progressive for drivers with an at-fault accident or speeding ticket.
But Progressive had fewer complaints with the National Association of Insurance Commissioners (NAIC) than Liberty Mutual, indicating drivers may be more satisfied with Progressive overall.
In terms of coverage options, Liberty Mutual offers helpful coverage add-ons, like new-car replacement and accident forgiveness. But Progressive offers more robust coverage options, including rideshare coverage, pet injury coverage, gap coverage, and trip interruption coverage.
Factor  | Liberty Mutual | Progressive |
|---|---|---|
| IQ Score | 7.7 | 8.7 |
| Customer satisfaction score | 3 | 3.5 |
| Average quote: liability only | $161 | $101 |
| Number of discounts | 13 | 13 |
| Number of states where it operates | 50 | 50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Liberty Mutual
Liberty Mutual is the sixth-largest insurance company in the country by market share.[1] The insurer has a below-average customer satisfaction score and higher average rates than Progressive.
| User Reviews | 3.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $161/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $218/mo |
3.5
A solid optionBased on 3,195 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,802)
Richard
Verified Review
Average
Reviewed in South Carolina on November 2025
Way too much hassle getting started. I just got an email for $87 a month for the same coverage.
Frederick
Verified Review
They are bad at pricing
Reviewed in New York on November 2025
After I turned 65, my insurance went up 125%. It went from $860 a year to $2400 a year for no reason.
Daniel
Verified Review
Expensive but very good/excellent
Reviewed in Georgia on November 2025
Liberty Mutual can be expensive, but they are very good at handling claims and dealing with a lawsuit against me as a result of an accident.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual offers auto, homeowners, condo, renters, flood, life, and other insurance products. Auto policyholders can save with numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength and credit from AM Best. The company often scores low for customer satisfaction and has more than three times the expected number of complaints from private auto policyholders, according to the National Association of Insurance Commissioners Consumer Complaint Index.
Pros
Wide range of available discounts
Accident forgiveness available
Available in all 50 states and D.C.
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
Low customer satisfaction scores from J.D. Power
Progressive
Progressive is the second-largest insurance company in the U.S. by market share.[1] While it has slightly better customer satisfaction scores, it also offers lower average rates and boasts fewer NAIC complaints.
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $101/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $173/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (7,467)
Don
Verified Review
Check them out
Reviewed in Florida on November 2025
Considerably cheaper than others.
Mike
Verified Review
Changes
Reviewed in Wisconsin on November 2025
I appreciate this company and the price I pay. I just wish (as a senior) it was easier to speak to a representative. I needed to alter some info but can't figure out how to do it.
Brandon
Verified Review
Insurance rates rise massively even if you are a safe driver. My rate went up 50% because my area is growing, nothing to do with my individual driving habits.
Reviewed in Alabama on November 2025
Insurance rates rise massively even if you are a safe driver. My rate went up 50% because my area is growing, nothing to do with my individual driving habits.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Progressive is the second-largest U.S. auto insurer by market share. The company offers more than 30 insurance products, including auto, home, renters, motorcycle, life, and more. Progressive customers can save through numerous discounts, including ones for bundling auto with a Progressive home or renters policy, for good students or students away at school, enrolling in automatic payments, and more. The insurer’s optional coverages are robust, from loan/lease payoff coverage to providing up to $1,000 for veterinary bills if your pet is injured while riding in your car with you.
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Optional coverage for pet injuries
Cons
Much lower-than-average overall customer satisfaction ranking in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study
Trustpilot rating of 1.1 stars (out of 5) from more than 1,000 reviews
Rates trend higher than rates from many competitors
Liberty Mutual RightTrack vs. Progressive Snapshot
Liberty Mutual’s RightTrack and Progressive’s Snapshot both offer an opportunity for safe drivers to get discounts on their insurance premiums.
Liberty Mutual’s RightTrack program offers a 10% discount for enrolling. But if you stick to safe driving habits during the 90-day evaluation period, you could earn a discount of up to 30% off your premium. If you have risky driving habits, your insurance premiums might increase. The telematics program runs through the Liberty Mutual mobile app.
Progressive’s Snapshot program boasts more than $1.2 billion in discounts. On average, Progressive drivers save $231 per year with Snapshot. You’ll also get a discount for signing up, which averages $94 per year. Drivers who sign up for the program allow Progressive to track their driving habits through either a mobile app or a plug-in device.
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Liberty Mutual vs. Progressive: Which is the cheapest?
Auto insurance companies take many factors into account when determining your premiums, including your age, ZIP code, marital status, driving record, vehicle safety features, and more.[2]
With these variables, the cost of car insurance premiums can vary dramatically based on your situation. But for many drivers, Progressive offers cheaper premiums than Liberty Mutual.
Progressive: Cheapest for drivers with a clean driving record
Overall, drivers find lower premiums for their insurance policy with Progressive than Liberty Mutual.
Driver Type | Liberty Mutual | Progressive |
|---|---|---|
| Clean driving record | $161 | $101 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Liberty Mutual: Cheapest for drivers with a speeding ticket
After a speeding ticket, drivers tend to pay higher insurance premiums. On average, Liberty Mutual offers lower rates to drivers with a speeding ticket.
Driver Type | Liberty Mutual | Progressive |
|---|---|---|
| Drivers with a speeding ticket | $204 | $128 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Progressive: Cheapest for teen drivers
With less experience behind the wheel, young drivers typically pay the most for car insurance. But on average, Progressive offers lower average auto insurance premiums than Liberty Mutual for teen drivers.
Driver Type | Liberty Mutual | Progressive |
|---|---|---|
| 18-year-old | $276 | $192 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Progressive: Cheapest for drivers with bad credit
Drivers with bad credit usually find cheaper car insurance premiums with Progressive than Liberty Mutual. But in general, drivers with poor credit face higher rates than drivers with good credit.
Driver Type | Liberty Mutual | Progressive |
|---|---|---|
| Drivers with bad credit | $186 | $126 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Progressive: Cheapest for senior drivers
Senior drivers can find lower auto insurance premiums with Progressive. However, shopping around can help mature drivers find the most affordable coverage options for their particular situation.
Driver Type | Liberty Mutual | Progressive |
|---|---|---|
| Senior drivers | $131 | $64 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare coverages: Liberty Mutual vs. Progressive
Liberty Mutual and Progressive are both major insurance companies that offer standard insurance options, like bodily injury liability, property damage liability, personal injury protection, uninsured/underinsured motorist coverage, collision, and comprehensive.
Beyond the basic coverage options, these companies also offer extra coverages. For example, Progressive offers rideshare coverage but Liberty Mutual doesn’t.
Coverage | Liberty Mutual | Progressive |
|---|---|---|
| Gap insurance | Yes | Yes |
| Rideshare insurance | No | Yes |
| Rental car reimbursement | Yes | Yes |
| Travel interruption coverage | No | Yes |
| Emergency road service coverage | Yes | Yes |
| Mexico car insurance | Yes | No |
| Pet injury coverage | No | Yes |
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Compare discounts: Liberty Mutual vs. Progressive
Liberty Mutual and Progressive both offer plenty of discount opportunities to drivers. If you qualify for a discount, you lock in cheaper car insurance rates.
Although car insurance discounts vary, Progressive and Liberty Mutual offer a similar number of discounts. For example, both insurers offer a discount for bundling your car insurance coverage with another insurance product, like home or life insurance.
The table below highlights which discounts Liberty Mutual and Progressive offer.
Discount | Liberty Mutual | Progressive |
|---|---|---|
| Clean driving record | Yes | Yes |
| Defensive driving course | No | No |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | No | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | No | No |
| New car | No | No |
| Military/affiliation | Yes | No |
| Good student | Yes | Yes |
| Loyalty | No | Yes |
| Auto pay | Yes | Yes |
| Student away at school | Yes | Yes |
| Homeowner | Yes | Yes |
| Alternative fuel | No | No |
Liberty Mutual vs. Progressive FAQs
Learn how to switch your car insurance in a few easy steps, and check out the answers to common questions about comparing Liberty Mutual and Progressive below.
Is Liberty Mutual car insurance better than Progressive?
The right insurance company varies based on your unique situation. Progressive earned a slightly higher IQ Score than Liberty Mutual, but the two companies are very similar. Get quotes from both companies for the coverage you need to see which offers better rates.
Is Liberty Mutual or Progressive cheaper?
Progressive offers cheaper average rates than Liberty Mutual. However, your auto insurance premiums depend on your unique driver profile. Take time to get multiple quotes to find the cheapest option for your situation.
Is Liberty Mutual the same as Progressive?
No. Although both are among the largest insurance companies in the United States, Liberty Mutual and Progressive are two separate insurance companies.
Is Liberty Mutual good at paying claims?
With an AM Best rating of A, Liberty Mutual is financially stable and capable of paying claims. However, the company earned a below-average customer satisfaction rating in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.[3]
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Sources
- NAIC. "2022 Property and Casualty Market Share."
- III. "What determines the price of an auto insurance policy?."
- J.D. Power. "2023 U.S. Auto Claims Satisfaction Study."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.