Choosing an auto insurance company is sometimes difficult: companies' rates differ by driving history, age, and location, and companies offer an array of discounts. Progressive and Liberty Mutual are two of the most popular auto insurance companies, selling affordable policies across most of America.
In an effort to make insurance shopping seamless, we've gathered average insurance premiums from Liberty Mutual and Progressive. These take into account myriad rating factors, including credit rating, driving infractions, and demographics. Take a look at these rates and find the right policy for you.
If you have very bad credit, Liberty Mutual could be the best option for you. Typically, Liberty Mutual offers lower prices than Progressive for drivers with credit scores of lower than 580. Those with exceptional credit — a score of 800-plus — should favor Progressive, which typically beats Liberty Mutual by $472 per year. Check out common insurance rates by credit level for Liberty Mutual and Progressive below.
|Credit level||Progressive avg. annual premium||Liberty Mutual avg. annual premium|
|Very Poor (300-579)||$3,602||$3,228|
|Very Good (740-799)||$1,453||$1,878|
If you have an at-fault accident, speeding ticket, reckless driving violation, or DUI offense in your rear view mirror, Progressive could be a better choice than Liberty Mutual. Every insurance company prices its policies differently, so it's worth comparing quotes to understand which insurance company suits you.
|Violation||Progressive avg. annual premium||Liberty Mutual avg. annual premium|
|At-fault accident (damage < $1,000)||$2,720||$2,776|
|At-fault accident (damage > $1,000)||$2,245||$2,112|
Insurance companies use a driver's age to outline potential risk, pricing premiums accordingly. Car insurance is typically expensive for young drivers — thanks to their inexperience — and most affordable for drivers aged 25 or older. Since every insurance company rates age brackets differently, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose Liberty Mutual before Progressive: the former's average annual rates are $1,689 less than the latter's..
|Age tier||Progressive avg. annual premium||Liberty Mutual avg. annual premium|
Finances aside, Progressive and Liberty Mutual each carry pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||Progressive||Liberty Mutual|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Progressive||Liberty Mutual|
|JD Power Rankings||Below average||Below average|
|Other Products||Progressive||Liberty Mutual|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Progressive||Liberty Mutual|
|About||Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents, you can choose the coverage options that make the most sense to you.||Liberty Mutual's "Buy Online Now” option may qualify drivers for additional discounts. Liberty Mutual customizes its insurance offerings so drivers only pay for what they need.|
|Roadside Assistance||Progressive's Roadside Assistance offers towing service, winching service, flat tire change, battery jump-start, battery charge for electric cars, locksmith service, on-scene labor, and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance.||Liberty Mutual offers 24-hour Roadside Assistance — covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors — with purchase of optional Towing & Labor coverage.|
|Additional Discounts||Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.||Liberty Mutual offers additional discounts such as Newly Independent, New Teen and Good Payer discounts. In addition, Liberty Mutual offers benefits like Accident Forgiveness. Liberty Mutual also allows drivers to lock in their rate for a full year.|
|Recent Questions||Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?|
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.See More Questions
|Why did my rate increase for a $25 towing claim?|
Unfortunately, you were given the correct information. Insurance companies base their rates on the risk of having to pay any claim.Can I get a refund for premiums I was forced to pay after accident?
Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.What's the difference between a vanishing deductible and accident forgiveness
Let's first summarize the two: Accident Forgiveness with Liberty Mutual: If you're accident-free for five years (with any company), the company will forgive your first accident and not raise your rates. Furthermore, this policy can apply to all members of the household, including teenagers.Insurer refuses to give me my money back
I would try calling back again. It could be that the agent you spoke with was misinformed.See More Questions
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