Liberty Mutual vs. Progressive: Which Is the Best? (2024)

Progressive’s relatively low rates and higher customer satisfaction scores earn it a higher Insurify Quality (IQ) Score than Liberty Mutual.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today

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 Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Updated April 17, 2024

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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 3.9 out of 5, while Liberty Mutual earned an IQ Score of 3.8 out of 5.

  • The average cost of Progressive’s liability insurance is $81 per month, which is less than Liberty Mutual’s average of $97 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.

FactorLiberty MutualProgressive
IQ Score3.83.9
Customer satisfaction score33.5
Average quote: liability only$97$81
Number of discounts1313
Number of states where it operates5050
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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.

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$97/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.
$205/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to 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 from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Read our Liberty Mutual review
Steve - April 17, 2024
Verified

Triple Cost

I have no tickets, live in a remote desert, have no tickets, and yet my rate has gone up 3x in 18 months. It's a ridiculous amount.

Gianna - April 16, 2024
Verified

Don't Recommend!

There's no support in the app, and it's not easy to change payment information. I don't recommend it!

Felicia - April 15, 2024
Verified

Poor

Don't have an accident or get a ticket, your rates will triple.

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.

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$81/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.
$143/mo

Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Rewards for good drivers

  • Numerous coverage options and discounts available

Cons
  • Higher-than-expected amount of complaints

  • Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking

Read our Progressive review
Kevin - April 17, 2024
Verified

Wonder Why They Did That?

They dropped me without any explanation, yet they let me renew without asking any questions.

Ishmeal - April 17, 2024
Verified

Too high for someone who's been driving for over 50 years with no tickets

I wouldn't recommend them; it's too expensive.

Stanley - April 17, 2024
Verified

Still Shopping

They are overpriced. I have one speeding ticket in 50 years and they won't forgive it. I've been driving for 67 years and have NEVER had a DWI.

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 TypeLiberty MutualProgressive
Clean driving record$97$81
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 TypeLiberty MutualProgressive
Drivers with a speeding ticket$130$101
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 TypeLiberty MutualProgressive
18-year-old$155$147
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 TypeLiberty MutualProgressive
Drivers with bad credit$122$88
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 TypeLiberty MutualProgressive
Senior drivers$79$50
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.

CoverageLiberty MutualProgressive
Gap insuranceYesYes
Rideshare insuranceNoYes
Rental car reimbursementYesYes
Travel interruption coverageNoYes
Emergency road service coverageYesYes
Mexico car insuranceYesNo
Pet injury coverageNoYes

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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.

DiscountLiberty MutualProgressive
Clean driving recordYesYes
Defensive driving courseNoNo
Multi-policyYesYes
Multi-carYesYes
Low mileageNoNo
Telematics (safe driving app)YesYes
Anti-theft deviceNoNo
New carNoNo
Military/affiliationYesNo
Good studentYesYes
LoyaltyNoYes
Auto payYesYes
Student away at schoolYesYes
HomeownerYesYes
Alternative fuelNoNo

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]

Sources

  1. NAIC. "2022 Property and Casualty Market Share."
  2. III. "What determines the price of an auto insurance policy?."
  3. J.D. Power. "2023 U.S. Auto Claims Satisfaction Study."
Sarah Sharkey
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

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