Progressive vs Liberty Mutual: Which company is best for you?
Both Progressive and Liberty Mutual are widely recognizable insurance brands. Each has a number of different coverage types to choose from, but which is right for you? We compare the two insurers — along with their coverage offerings and pricing info — below to help you get a sense of which company could be better for your insurance needs.
Progressive car insurance
Progressive has grown substantially in recent years, becoming one of the largest and most recognizable names in car insurance. The company's policy offerings are wide-ranging and its large selection of discounts means will be appealing to drivers looking for reasonably affordable rates. The company has also become one of the top companies for commercial auto insurance coverage.
Liberty Mutual car insurance
Progressive vs. Liberty Mutual: car insurance rate comparison
Both Progressive and Liberty Mutual offer reasonable rates to most drivers. However, it's always worth remembering that your individual car insurance rates are likely to differ from the average depending on your unique driving profile. The rating factors that go into determining your auto insurance premiums are also weighted differently from one company to another. For this reason, we suggest that shoppers get quotes from each company to see which is a better fit.
Progressive is generally cheaper than Liberty Mutual with an average rate of $104 per month.
Progressive vs. Liberty Mutual: pricing by credit score
If you have extremely bad credit, Liberty Mutual could be a slightly better option. On average, Liberty Mutual's rates for drivers with credit scores of less than 580 are somewhat cheaper than Progressive. Drivers with a score of 800 or better will likely be better off with Progressive. Take a look at the average insurance rates by credit level for Progressive and Liberty Mutual below.
CREDIT SCORE INSURANCE RATE COMPARISON: PROGRESSIVE VS. LIBERTY MUTUAL
|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|
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Progressive vs. Liberty Mutual: rates for high-risk drivers
Rates from Progressive and Liberty Mutual are comparable for most citations. However, those with a DUI or reckless driving citation on their record may do well to avoid Liberty Mutual, as premiums are significantly higher for drivers with those offenses. As every car insurance company rates driving offenses differently, it can pay off to compare quotes from many different insurers to see which is most affordable.
RATES BY VIOLATION: PROGRESSIVE VS. LIBERTY MUTUAL
|Citation||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|
Progressive vs. Liberty Mutual: rates by age bracket
Car insurance companies use age as a measurement of risk, allowing them to price policies accordingly. In nearly all cases, auto insurance is much more expensive for young drivers than for older drivers. This comes down to a lack of experience and the potential risk that they pose. Most companies rate age tiers differently, so it's in your best interest to compare rates from a few different companies.
In general, teen drivers on their own policy should choose Liberty Mutual over Progressive, though neither are particularly affordable.
COMPARING AUTO INSURANCE RATES BY AGE: PROGRESSIVE VS. LIBERTY MUTUAL
|Age||Progressive avg. annual premium||Liberty Mutual avg. annual premium|
Affordability aside, both Progressive and Liberty Mutual each have their pros and cons. These can include discounts, additional coverages, customer satisfaction ratings, and financial stability. Make sure to do your research before making your final decisions on a policy.
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Ratings comparison: Progressive vs. Liberty Mutual
Cost isn't the only factor you should consider when searching for a car insurance policy. Companies with better customer satisfaction scores are more likely to offer better service, be more communicative and handle your claims more efficiently. We've put together a list of third-part ratings from some of the most trusted sources in the insurance industry to help you get a better picture of how Progressive and Liberty Mutual compare.
|Ratings comparison||Progressive||Liberty Mutual|
|Financial strength (A.M. Best)||Superior||Good|
|JD Power (claims satisfaction)||Below Average||Average|
|JD Power (customer satisfaction)||Below Average||Above average|
|The Zebra's editorial review score||4/5||3/5|
|The Zebra's Customer Satisfaction Survey||4.3/5||4.2/5|
The Zebra's Customer Satisfaction Survey
The Zebra polled customers of many of the top auto insurance companies. The survey covered a wide range of topics to try to encompass as much of a customer experience as possible. Below you can see how both customers viewed their experiences with both Progressive and Liberty Mutual.
Progressive car insurance placed among the top five companies overall with a score of 4.3, signifying that customers are generally pleased with the level of service they receive from the company. The company place in the top three for online satisfaction, indicating that Progressive's website and app selection are considered quite valuable by its customers.
- Top five overall for car insurance
- Top three for online satisfaction
- Among the top five companies for home and auto bundling
Liberty Mutual scored near the bottom of our survey of fifteen carriers, placing at number fourteen. However, with a score of 4.2, Liberty wasn't far from its nearest competitors and placed better in certain categories. Below are some highlights.
- Scored well in Online Satisfaction (4.3)
- Older drivers rated the company higher
The Zebra Customer Satisfaction Survey methodology
Findings are based on an online quantitative survey of 4,794 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Progressive vs. Liberty Mutual: discount comparison
Auto insurance discounts offer qualifying customers the chance to save money on their car insurance premiums. Take a look at a side-by-side comparison of discount options from both Progressive and Liberty Mutual below.
|Discount comparison||Progressive||Liberty Mutual|
|Anti-lock brake system||✓|
|Student away at school||✓||✓|
|Affinity membership alum|
|Pay in full||✓||✓|
|eSign or ePay|
Telematics options: Progressive vs. Liberty Mutual
Telematics programs use technology to help insurance companies set rates for customers based on their driving habits. For safe drivers, this provides an opportunity to save money. Both Progressive and Liberty Mutual offer telematics options that are worth considering. Compare telematics offerings from each company below.
Snapshot is Progressive's telematics option. The app tracks drivers' behavior while behind the wheel (including hard braking, speeding, and more) to give a more accurate level of risk. Good drivers stand to save an average of $145 on their premium according to the company.
Liberty Mutual RightTrack follows your driving habits to help determine your rates. The company claims users can save as much as 30% on their premiums. At the time of writing, the app had a score of 4.5 on the Apple Store and a score of 4.0 on Google Play.
Liberty Mutual offers another telematics option called ByMile. ByMile is designed for low-mileage drivers. Alternatively known as pay-per-mile — or usage-based — car insurance, ByMile tracks the number of miles driven and customizes rates based on how much you drive. At the time of writing, the app held a 4.3 on the Apple Store and a 4.0 on Google Play.
Roadside assistance: Progressive vs. Liberty Mutual
Roadside assistance programs can help stranded motorists get back on their way after a breakdown. Most insurers offer such a service, though it isn't likely to be automatically built into your coverage. Take a look at what the roadside assistance programs from both Progressive and Liberty Mutual offer below.
Progressive partners with a company called Agero to provide roadside assistance. These services can be used for your car, boat, motorcycle or RV. When added to your policy, Progressive's roadside assistance program offers the following:
- Fuel delivery
- Flat-tire changes
- Battery jump-start
- Battery recharge for EVs
- Lock-out services
- On-scene labor
- Winching services
Liberty Mutual offers 24-hour roadside assistance featuring the following:
- Jump starts
- Fuel delivery
- Lockout services
- Flat-tire changes
Progressive vs. Liberty Mutual: home insurance
Both Progressive and Liberty Mutual offer home insurance. These can be purchased as individual policies or bundled together with auto or other coverage types. Progressive has a much smaller presence in the homeowners insurance space than it does auto, and certain policyholders may find its home policy options limiting. Liberty Mutual is the fourth largest homeowners insurance coverage provider in premiums written according to the Insurance Information Institute.
Compare ratings for each company's home insurance options below.
Progressive homeowners insurance review
Progressive offers homeowners insurance in all 50 states plus Washington D.C. While the company provides basic coverage options, homeowners looking for more robust policies might find Progressive's options lacking.
- The Zebra Customer Satisfaction Survey – 4.1/5: While a rating above 4 stars is sufficient, Progressive home ranked last overall among the 15 carriers surveyed.
- J.D. Power Rating – Below average: J.D. Power rates Progressive auto insurance as below-average in overall customer satisfaction.
- Financial Strength – Superior: A "Superior" financial strength rating from AM Best shows Progressive has a solid ability to pay out claims.
- NAIC Rating– Poor: The National Association of Insurance Commissioners (NAIC) received significantly more customer complaints than average regarding Progressive homeowners insurance in 2020.
Liberty Mutual homeowners review
With the fourth largest share of the homeowners insurance market, Liberty Mutual has a large presence. The company has a variety of coverage options for add-ons and endorsements. This makes them a worthwhile option for those searching for flexible coverage options. In general, Liberty Mutual's homeowners insurance options enjoy good ratings from third-party agencies, and placed eighth overall in The Zebra Customer Satisfaction Survey for home insurance.
Learn more about the company's home insurance in our detailed review below.
- The Zebra Customer Satisfaction Survey — 4.3/5: Liberty Mutual earned a 4.3 out of 5 in The Zebra's survey of customer satisfaction.
- Claims satisfaction (J.D. Power Rating) — Below average: In J.D. Power's most recent property claims satisfaction report, Liberty Mutual came in just below the industry average.
- Customer satisfaction (J.D. Power Rating) — Below average: Liberty Mutual fell below the industry average in J.D. Power's customer satisfaction study.
- Financial strength — Good: According to AM Best, Liberty Mutual's financial outlook was rated at an "A".
- NAIC Rating — Good: Fewer complaints were logged by the NAIC in regards to Liberty Mutual's homeowners insurance, falling just below the national complaint index.
Progressive vs. Liberty Mutual: home insurance rate comparison
Similar to auto insurance rates, homeowners rates can vary depending widely depending on which company you choose. Other factors, such as your location, your claims history, and the age of your home, can also greatly impact your premiums. The average yearly homeowners premium for Progressive is $1,355, or $113 per month. Liberty Mutual's average is $1,414 per year or around $118 per month.
While cost is an important factor when shopping for homeowners insurance, it's crucial to have proper coverage from an insurer that you can trust.
Progressive has the cheapest monthly homeowners insurance rates at an average of around $113 per month.
Homeowners insurance data methodology
The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.
Progressive vs. Liberty Mutual: homeowners discount comparison
Eligible customers can save money with home insurance discounts. Both Progressive and Liberty Mutual offer homeowners a number of discounts to eligible policyholders. See how these discounts compare below.
|Discount comparison||Progressive||Liberty Mutual|
|Recent home buyer||✓||✓|
|Newer/more durable roof||✓|
|Protective devices (smoke/burglar alarms, etc...)||✓||✓|
|Paid in full||✓|
|New home consturction||✓|
Liberty Mutual has shown interest in smart home technology. Customers can inquire about additional savings on their premiums or rebates on smart-home devices when they are seeking a policy.
Other insurance products and bundling options
Customers can often save money by bundling policy types such as home and auto together. Both Progressive and Liberty Mutual have many insurance offerings available to customers. Take a look below to see which company might be able to satisfy all of your insurance needs.
|Other products||Progressive||Liberty Mutual|
|Travel trailer insurance||✓||✓|
|Mobile home insurance||✓||✓|
In general, both Progressive and Liberty Mutual offer a wide selection of additional coverages. Both companies are major providers of many types of commercial insurance, including for both automobiles and small businesses. For those who use their vehicles for commercial purposes (delivery or rideshare drivers), Progressive and Liberty Mutual could be good options. Furthermore, Liberty Mutual partners with car-share company Turo to provide coverage.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.