Why you can trust The Zebra
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Progressive vs. Liberty Mutual: What's the difference?
The Zebra's choice: Progressive
Progressive scored higher ratings and offers cheaper rates.
Progressive:
- Cost: $90/month for full coverage
- Customer service: 4
- Claims handling: 2.8
- Digital experience: 4.8
- Trust: 4.8
- Overall rating: 4
Progressive comes out on top when it comes to customer service, claims handling, digital experience and trust scores
Liberty Mutual:
- Cost: N/A
- Customer service: 2.9
- Claims handling: 2
- Digital experience: 4
- Trust: 2
- Overall rating: 2.9
Liberty Mutual did not receive better ratings than Progressive
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 |
| DUI/DWI | $2,201 | $4,182 |
| Reckless driving | $2,457 | $3,459 |
| Speeding ticket | $2,091 | $2,068 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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 |
| Teens | $8,248 | $6,559 |
| 20s | $2,287 | $2,686 |
| 30s | $1,646 | $2,686 |
| 40s | $1,644 | $1,926 |
| 50s | $1,542 | $1,793 |
| 60s | $1,403 | $1,746 |
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.
Compare rates and start saving today!
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 |
|---|---|---|
| Good student | ✓ | ✓ |
| Multiple policies | ✓ | ✓ |
| Multiple vehicles | ✓ | ✓ |
| Anti-theft device(s) | ✓ | |
| Anti-lock brake system | ✓ | |
| Air bags | ||
| Good driver | ✓ | |
| Defensive driver | ||
| Student away at school | ✓ | ✓ |
| Driver training | ||
| Green vehicles | ✓ | |
| Affinity membership alum | ||
| Advanced purchase | ✓ | |
| Pay in full | ✓ | ✓ |
| Home owner | ✓ | ✓ |
| eSign or ePay | ||
| Telematics | ✓ | ✓ |
| New Vehicle | ||
| Annual Mileage | ||
| Military | ✓ | |
| Continuous coverage | ✓ |
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.
Zebra tip: Consider telematics offerings from both companies
Regardless of your needs, each of the telematics options from both Progressive and Liberty Mutual could offer safe drivers a way to save money.
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
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
Liberty Mutual offers 24-hour roadside assistance featuring the following:
- Towing
- 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.
Which company comes out on top?
Tie
Each company's homeowners offerings have their pros and cons. Potential customers would do well to get quotes from each company to see which is a better match for affordability and coverage.
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.
The Zebra’s homeowners insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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 |
|---|---|---|
| Claims free | ✓ | |
| Recent home buyer | ✓ | ✓ |
| Multi-policy | ✓ | ✓ |
| Newer/more durable roof | ✓ | |
| Protective devices (smoke/burglar alarms, etc...) | ✓ | ✓ |
| Paid in full | ✓ | |
| Auto pay | ||
| New home consturction | ✓ | |
| Gated community | ✓ | |
| Home renovation | ||
| Smart home |
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 |
|---|---|---|
| Boat insurance | ✓ | ✓ |
| Condo insurance | ✓ | ✓ |
| Life insurance | ✓ | ✓ |
| Homeowners insurance | ✓ | ✓ |
| Travel trailer insurance | ✓ | ✓ |
| Renters insurance | ✓ | ✓ |
| RV insurance | ✓ | ✓ |
| Motorcycle insurance | ✓ | ✓ |
| Mobile home insurance | ✓ | ✓ |
| Umbrella | ✓ | ✓ |
| ATV insurance | ✓ | ✓ |
| Pet insurance | ✓ | ✓ |
| Commercial 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.
Find the best insurance policy for your needs.
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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.
