Compare Liberty Mutual vs. Progressive: Quotes, Discounts (2023)

Liberty Mutual vs. Progressive: A Summary

Comparing car insurance providers can help you get a better rate, but which insurance provider is right for you? With an average monthly quote of $78 and an Insurify Composite Score of 80, Progressive offers affordable insurance coverage. At $247 per month and an Insurify Composite Score of 82, Liberty Mutual offers higher rates but more flexible coverage.

ICS Score Explanation:

The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score 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.

Liberty Mutual

Liberty Mutual offers higher-than-average car insurance rates, but its policyholders get access to various benefits, such as accident forgiveness and lifetime repair guarantees. You can also get various add-ons, like roadside assistance, car replacement, and a deductible fund. Your Liberty Mutual car insurance policy is customizable, so you pay only for what you actually need.

Progressive

Progressive offers a variety of coverage options, including rideshare insurance and medical payments, as well as competitive rates even for high-risk drivers. Progressive also has a mobile app and offers multiple discounts, such as a multi-policy discount when you combine your car insurance with another policy, like homeowners insurance.

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Both Liberty Mutual and Progressive have their strengths. Liberty Mutual insurance is great for drivers who want a flexible car insurance policy that they can customize and are fine with higher-than-average rates. Progressive is a fantastic option for drivers who want to keep their insurance rates down, especially those with negative factors like a DUI on their record.

Compare Liberty Mutual vs. Progressive: Which Is Cheaper?

Overall, Progressive offers significantly cheaper rates than Liberty Mutual. On average, you can expect to pay $247 per month for a policy with Liberty Mutual and $78 per month for a policy with Progressive, $169 less. For some driver demographics, this difference can be even bigger.

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Drivers with a DUI can maximize their savings with a car insurance policy from Progressive. A DUI is a very impactful driving offense that can significantly increase your car insurance quote. For example, drivers with a DUI can expect to pay $470 per month with Liberty Mutual. In contrast, Progressive drivers with a DUI pay just $95 per month for their policy.

Compare Liberty Mutual vs. Progressive Car Insurance by Age

Overall, drivers of all ages will find cheaper rates with Progressive. Teen drivers can expect the highest rates, $246 per month with Progressive and a whopping $503 per month with Liberty Mutual, $257 higher. Drivers in their 20s pay lower rates: $79 per month with Progressive and $261 per month with Liberty Mutual, $182 higher.

Drivers in their 50s and 60s pay lower rates than younger drivers because they have more experience behind the wheel. Drivers in their 50s can expect to pay $61 per month with Progressive and $182 per month with Liberty Mutual, $121 higher. Drivers in their 60s pay $65 per month with Progressive and $163 per month with Liberty Mutual, $98 higher.

Compare Liberty Mutual vs. Progressive Car Insurance by Gender

Typically, men pay higher auto insurance rates than women because men are statistically more prone to high-risk driving behaviors, such as speeding. With Liberty Mutual, men can expect to pay $17 more per month, or $204 more per year, than women. With Progressive, it’s women who can expect higher rates, but the difference between them is negligible, just $1 per month.

California, Hawaii, Massachusetts, Maine, Michigan, Montana, North Carolina, and Pennsylvania do not allow insurance providers to use your gender to determine your car insurance rates.

Which is cheapest for men?

On average, men pay $78 per month for an insurance policy with Progressive and $256 per month for a policy with Liberty Mutual, $178 higher. Your exact quote will depend on other factors, such as whether you want basic bodily injury and property damage liability coverage or full coverage with add-ons.

Which is cheapest for women?

Women pay $79 per month with Progressive and $239 per month with Liberty Mutual, $160 more. If you qualify for any of the car insurance discounts that Liberty Mutual and Progressive offer, you can lower your insurance premiums.

Compare Liberty Mutual vs. Progressive Car Insurance by Mileage

With Liberty Mutual, drivers with high annual mileage can expect significantly higher rates than drivers with low annual mileage. On average, a Liberty Mutual driver with 20,000 annual mileage pays $57 more per month, or $684 more per year, than a driver with 5,000 annual mileage.

Progressive drivers can expect their car insurance policy costs to remain largely unaffected by their annual mileage. According to Insurify data, drivers who drive less than 5,000 miles per year pay only $1 less per month, or $12 less per year, than drivers with higher annual mileage.

Which is cheapest for drivers with high mileage?

On average, drivers who cover 15,000 miles per year pay $272 per month for a policy with Liberty Mutual and $79 per month for a policy with Progressive, $193 less. Drivers with 20,000 annual mileage can expect their car insurance quote to stay the same with Progressive—$79 per month on average—and increase to $290 per month with Liberty Mutual.

Which is cheapest for drivers with low mileage?

Drivers with 10,000 annual mileage pay $242 per month with Liberty Mutual and $79 per month with Progressive, $163 less. Drivers who drive less than 5,000 per year will see reduced rates with both auto insurance providers, $233 per month with Liberty Mutual and $78 per month with Progressive.

Compare Liberty Mutual vs. Progressive Car Insurance by Credit Score

Drivers with good credit history can expect the best rates with both providers. If you have an average credit score, you’ll pay $58 more per month than a driver with excellent credit with Liberty Mutual and $24 more per month with Progressive. Drivers with poor credit scores pay $110 more with Liberty Mutual and $60 more with Progressive than drivers with excellent credit.

California, Hawaii, Massachusetts, and Michigan do not allow insurance providers to use your credit history when calculating your car insurance quote.

Which is cheapest for good credit?

On average, drivers with an excellent credit score pay $201 per month with Liberty Mutual and $53 per month with Progressive, $148 less. Drivers with a good credit score pay slightly higher rates, $214 per month with Liberty Mutual and $70 per month with Progressive, $144 less.

Which is cheapest for bad credit?

Drivers with average credit pay $259 per month with Liberty Mutual and $77 per month with Progressive, $182 less. Drivers with poor credit can expect the highest rates and the most significant difference between Liberty Mutual and Progressive. On average, they pay $311 per month with Liberty Mutual and just $113 per month with Progressive, $198 less.

Compare Liberty Mutual vs. Progressive Car Insurance by Driving Record

Your driving record is the most significant factor when it comes to your car insurance rates. Drivers with a clean driving record can expect lower rates than drivers with speeding tickets, accidents, and DUIs on their record with Liberty Mutual and Progressive. Both Liberty Mutual and Progressive also have safe driving discounts.

A DUI on your driving record has the highest impact on your quote with Liberty Mutual, where a driver with a DUI pays $230 more per month for car insurance than a good driver. An accident on your record has the most significant impact on your car insurance rates with Progressive, raising your quote by $34 per month.

Which is cheapest for good drivers?

Good drivers pay $240 per month with Liberty Mutual and $77 per month with Progressive, $163 less. If you have safety features in your vehicle, such as airbags and antilock brakes, you may qualify for a discount with Progressive and lower your insurance premiums even more.

Which is cheapest after a speeding ticket?

A speeding ticket raises your average quote to $279 per month with Liberty Mutual and $99 per month with Progressive. The difference between these rates amounts to $180 per month, or $2,160 per year.

Which is cheapest after an accident?

An accident on your record has the highest impact on your quote with Progressive, raising it to $111 per month. However, you can still expect to pay significantly more with Liberty Mutual, $289 per month. This difference amounts to $178 per month, or $2,136 more per year.

Which is cheapest after a DUI?

A DUI on your driving record raises your average quote with Liberty Mutual to a whopping $470 per month. If you have other high-risk factors, such as a poor credit history, you can expect even higher rates. Progressive car insurance remains affordable even with a DUI on your record, and you can expect to pay just $95 per month for your policy.

Liberty Mutual vs. Progressive Car Insurance: What discounts does each offer?

Our Methodology and How We Compared Liberty Mutual and Progressive

The car insurance quotes provided in Insurify’s insurance company comparison guides are based on the analysis of over 50 thousand insurance quotes from 500 ZIP codes nationwide. Insurify’s data science team performs a comprehensive analysis of factors car insurance providers weigh to calculate rates, including driver demographics, driving record, credit score, desired coverage level, and more to give representative samples.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating calculated by weighing multiple factors that reflect 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 a window into how insurance providers compare to one another in terms of both cost and quality.