)
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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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)
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
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Table of contents
If you’re shopping for car insurance, you’ve probably come across Progressive and Liberty Mutual — two of the largest insurance companies in the U.S. Progressive ranks No. 2 by national market share, and Liberty Mutual ranks No. 5, reflecting their strong industry standings.
Both insurers are popular choices for drivers nationwide. But Liberty Mutual has more coverage options and better customer satisfaction scores, while Progressive stands out for affordability and telematics availability.
In this insurance company comparison, we’ll take a closer look at Liberty Mutual and Progressive to compare rates, coverage options, discounts, and overall customer experience.
Liberty Mutual has higher rates than Progressive but offers more coverage for newer vehicles, like gap insurance.
Both insurers can likely pay claims on time and in full.
Progressive Snapshot users save an average of $322 each year. Liberty Mutual RightTrack may save up to 30%, but Snapshot is more widely available.
Liberty Mutual vs. Progressive: Our verdict
Liberty Mutual may be the better choice for drivers who want broader coverage options and extra protection for newer vehicles. Progressive might be the right fit if you’re looking for wider telematics availability and lower average rates.
Both companies demonstrate financial stability and strong customer service. Progressive holds a slightly higher AM Best financial strength rating and has fewer customer complaints than Liberty Mutual. But Liberty Mutual scores higher in J.D. Power surveys for customer service and claims processing.[1] [2]
Before deciding, compare personalized insurance quotes from both companies to find the best fit for your budget and coverage needs.
Liberty Mutual vs. Progressive
Average price Prices based on average across state-minimum and full coverage car insurance $179/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $130/mo* |
Overall rating 3.4 | Overall rating 3.2 |
Value for money 3.0/5 | Value for money 3.1/5 |
Customer service 3.3/5 | Customer service 3.3/5 |
Claims handling 3.5/5 | Claims handling 3.3/5 |
Special highlight Numerous discountsAI-generated from 1865 user reviews | Special highlight Competitive ratesAI-generated from 7982 user reviews |
Liberty Mutual: Best for new cars
| User Reviews | 3.4 |
|---|---|
| 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. | $151/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. | $207/mo |
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.
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.
Liberty Mutual offers several coverage options that make it a strong choice for newer vehicles. You can add gap insurance, new car replacement, and original equipment manufacturer (OEM) coverage, which you may not find with Progressive. Liberty Mutual’s rates may be a bit higher, but that added protection could save you financially in the long run.
High rating in J.D. Power claims satisfaction study
Many types of insurance coverage options
Ability to pay into deductible fund
Higher premiums than Progressive
Limited availability for telematics program
Below-average rating in J.D. Power customer satisfaction study
Progressive: Best for affordability
| 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. | $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. | $162/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive may be ideal for drivers on a budget who want flexible coverage. The insurer offers lower average premiums than Liberty Mutual and has a stronger financial strength rating from AM Best. Progressive’s Snapshot telematics program is also available in more U.S. states, giving drivers extra opportunities to save.
Affordable premiums
AM Best financial strength rating of A+ (Superior)
Snapshot is available in more states than Liberty Mutual RightTrack
Below-average J.D. Power customer and claims satisfaction ratings
No Better Business Bureau (BBB) accreditation
Limited coverage options
Progressive vs. Liberty Mutual: Which is cheaper?
Your rate depends on factors such as your location, age, vehicle, driving history, coverage choices, and deductibles.[3] The comparison below shows sample auto insurance pricing for Liberty Mutual and Progressive.
Driver Type | Liberty Mutual | Progressive |
|---|---|---|
| Adult drivers | $227 | $133 |
| Liability-only coverage | $151 | $101 |
| Full coverage | $207 | $155 |
| Drivers with a speeding ticket | $268 | $191 |
| Drivers with a DUI | $308 | $250 |
| Drivers with an at-fault accident | $277 | $208 |
| Poor credit drivers | $238 | $185 |
| Good credit drivers | $154 | $131 |
| Teen drivers | $354 | $187 |
| Senior drivers | $167 | $60 |
Liberty Mutual vs. Progressive car insurance discounts
Liberty Mutual and Progressive offer a similar number of car insurance discounts, though Progressive lists slightly more overall. Both insurers provide savings for bundling insurance policies, maintaining good grades, going paperless, and buying online.
Progressive stands out with its discounts for paying in full or adding a teen driver. Meanwhile, Liberty Mutual offers a military discount, which Progressive doesn’t advertise.
While auto insurance rates vary widely, savings from discounts can help offset higher premiums. Below is a list of discounts available from Liberty Mutual and Progressive.
Discount | Liberty Mutual | Progressive |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✖ | ✖ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✖ | ✖ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✖ | ✖ |
| New car | ✖ | ✖ |
| Military/affiliation | ✔ | ✖ |
| Good student | ✔ | ✔ |
| Young drivers | ✖ | ✔ |
| Loyalty | ✖ | ✔ |
| Automatic payment | ✔ | ✔ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✔ | ✔ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✖ | ✔ |
Compare customer satisfaction and financial strength
Progressive and Liberty Mutual are both financially strong insurers, with Progressive holding a slightly higher A+ (Superior) rating from AM Best. These high ratings indicate that both companies can reliably pay its claims.
For customer satisfaction, Liberty Mutual scored higher than Progressive in the J.D. Power North Central U.S. ranking, but both fell below the region’s average. Progressive also has a lower complaint score and slightly higher BBB reviews.
Customers often praise Liberty Mutual for its ease of use, while Progressive customers commend its lower pricing. Mobile app users rate both companies’ online tools highly on the App Store and Google Play.
Score | Liberty Mutual | Progressive |
|---|---|---|
| IQ Score | 7.7 | 8.7 |
| Customer reviews | 3.4/5 (196 reviews) | 3.2/5 (196 reviews) |
| J.D. Power | 642* | 634* |
| AM Best rating | A (Excellent) | A+ (Superior) |
| NAIC complaint index | 2.06 | 0.50 |
| BBB customer reviews | 1.08/5 stars | 1.09 stars/5 stars |
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.
Recent customer reviews of Liberty Mutual car insurance
Insurify asks customers who complete our quoting process to share their feedback about their previous and current insurance companies. Below are verified reviews from real Liberty Mutual policyholders to help you understand what customers think about their experience.
Recent customer reviews of Progressive car insurance
At Insurify, we collect verified reviews from customers who’ve shared their experiences throughout our quoting process. You’ll find real feedback below from Progressive policyholders, giving you a clearer picture of its customer service experience.
Liberty Mutual RightTrack vs. Progressive Snapshot
Both Liberty Mutual and Progressive reward safe driving through telematics programs that track driving habits such as speed, braking, and phone use. Unlike pay-per-mile insurance, usage-based insurance programs focus on behavior rather than distance.
Liberty Mutual’s RightTrack can save drivers up to 30%, while Progressive’s Snapshot averages $322 in yearly savings. Although Snapshot has broader availability, RightTrack’s clear savings percentages may be more appealing to consumers than a dollar amount that can vary based on multiple factors.
With auto insurance premiums rising nationwide, policyholders are looking for ways to save. Telematics programs help modern drivers lower their insurance rates by rewarding safe driving. Below is an overview of the telematics programs with Liberty Mutual and Progressive.
Feature | Liberty Mutual RightTrack | Progressive Snapshot |
|---|---|---|
| Best for | Drivers who prefer a clear savings percentage to work toward | Drivers who want broad availability and a plug-in device |
| Savings potential | Up to 30% based on driving behavior | $322 per year, on average, based on driving behavior |
| How it works | Uses GPS and sensors on your phone to track braking, acceleration, and other driving behaviors | Uses GPS to track your speed, mileage, braking, and other driving behaviors |
| Availability | 39 states (limited availability) | 48 states (not available in California or Hawaii) |
| Data tracked | Speed, acceleration, braking, phone use, nighttime driving, rush-hour driving | Speed, acceleration, braking, phone use, how often you drive, nighttime driving |
| App rating (App Store/Google Play) | 4.8/4.6 | 4.8/4.6 |
| Average discount for good drivers | 15%–30% | Average of $322 yearly |
| Driver feedback tools | Track your trips and driving performance in the app | Check trip logs in the app and receive email updates |
| Gamified rewards | ✖ | ✖ |
| Compatibility | Smartphone app only | Mobile app or plug-in device |
Compare coverages: Liberty Mutual vs. Progressive
Liberty Mutual and Progressive both offer essential policy features, including collision, comprehensive, and liability coverage. They also provide add-ons, such as roadside assistance and accident forgiveness.
While Progressive covers pet injuries with its collision coverage, Liberty Mutual will replace a new car after a total loss within the first year. Liberty Mutual also offers full gap insurance, whereas Progressive’s loan/lease payoff coverage caps payouts at 25% of your car’s value.
Coverage | Liberty Mutual | Progressive |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| New car replacement | ✔ | ✖ |
| Gap insurance | ✔ | ✖ (offers loan/lease payoff coverage) |
| Classic car insurance | ✔ | ✔ |
| Rideshare insurance | ✔ | ✔ |
| Original equipment manufacturer (OEM) | ✔ | ✖ (motorcycles only) |
| Accident forgiveness | ✔ | ✔ |
| Pet injury | ✖ | ✔ |
Liberty Mutual vs. Progressive FAQs
Both Liberty Mutual and Progressive are reliable options for auto insurance. The information below may help you decide between the two.
Which is cheaper: Liberty Mutual or Progressive?
Insurers base car insurance rates on factors like your location, driving record, and credit-based insurance score. That said, when comparing rates for Liberty Mutual and Progressive, we found Progressive offers more affordable premiums, on average.
Is Liberty Mutual good at paying claims?
Yes. In the J.D. Power 2025 U.S. Claims Satisfaction Study, Liberty Mutual ranked among the top auto insurance companies, scoring well above the industry average.
Which company is cheaper than Liberty Mutual?
Although your actual premium will vary, you may find lower rates with Progressive, Allstate, GEICO, and State Farm.
Is Progressive owned by Allstate?
No. Progressive and Allstate are two separate, privately owned companies that compete in the auto insurance market.
Which car insurance company offers the cheapest insurance?
While quotes vary widely, COUNTRY Financial, Auto-Owners Insurance, USAA, and Mile Auto are some of the cheapest car insurance companies.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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State Farm Insurance Review: 14,737+ User Ratings
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USAA Auto Insurance: User Reviews and Quotes
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Liberty Mutual Insurance Review: 3,459+ User Ratings
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GEICO Auto Insurance: User Reviews and Quotes
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Farmers Auto Insurance: User Reviews and Quotes
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Allstate Insurance Review: 8,794+ User Ratings
Sources
- J.D. Power. "2025 U.S. Auto Insurance Study."
- J.D. Power. "2025 U.S. Auto Claims Satisfaction Study."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
)
)
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.