Progressive vs Liberty Mutual Car Insurance

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Progressive or Liberty Mutual:
Which Company is Best for You?

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.

Want to learn more? Check out our comprehensive reviews of Progressive and Liberty Mutual.


Comparing car insurance rates: Progressive vs. Liberty Mutual


Progressive vs. Liberty Mutual: rates by credit level

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.


RATES BY CREDIT SCORE: Liberty Mutual VS. Progressive
Credit levelProgressive avg. annual premiumLiberty Mutual avg. annual premium
Very Poor (300-579)$3,602$3,228
Fair (580-669)$2,127$2,276
Good (670-739)$1,708$2,109
Very Good (740-799)$1,453$1,878
Exceptional (800-850)$1,320$1,792

Progressive vs. Liberty Mutual: high-risk driver rates

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.


RATES BY VIOLATION: Liberty Mutual VS. Progressive
ViolationProgressive avg. annual premiumLiberty 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

Progressive vs. Liberty Mutual: rates by age

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..


RATES BY AGE: Liberty Mutual VS. Progressive
Age tierProgressive avg. annual premiumLiberty 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

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 ComparisonProgressiveLiberty 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
Ratings ComparisonProgressiveLiberty Mutual
Financial Strength SuperiorExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsProgressiveLiberty Mutual
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesProgressiveLiberty Mutual
AboutProgressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible."Buy Online Now” option may qualify you for additional discounts. Here’s why 9 out of 10 customers recommend us: Customized insurance so you only pay for what you need Discounts that save you money Rated “A” by A.M. Best Company.
Roadside AssistanceProgressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service 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 the purchase of optional Towing & Labor coverage.
Additional DiscountsProgressive 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 for those who have recently moved and for the newly retired, newly married or newly graduated.
Recent QuestionsDo 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.
I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.
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
Simply put: 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
Compare MoreProgressive vs. 21st Century Progressive vs. Allied Progressive vs. Allstate Progressive vs. American Family Progressive vs. Amica Mutual Insurance Progressive vs. Auto Club (AAA) Progressive vs. Elephant Progressive vs. Erie Progressive vs. Esurance Progressive vs. Farm Bureau Mutual Progressive vs. Farmers Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Mercury Progressive vs. MetLife Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. North Star Mutual Progressive vs. Root Insurance Progressive vs. Safe Auto Progressive vs. Safeco Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive vs. USAALiberty Mutual vs. 21st Century Liberty Mutual vs. Allied Liberty Mutual vs. Allstate Liberty Mutual vs. American Family Liberty Mutual vs. Amica Mutual Insurance Liberty Mutual vs. Auto Club (AAA) Liberty Mutual vs. Erie Liberty Mutual vs. Esurance Liberty Mutual vs. Farm Bureau Mutual Liberty Mutual vs. Farmers Liberty Mutual vs. Foremost Liberty Mutual vs. GEICO Liberty Mutual vs. Infinity Liberty Mutual vs. Mercury Liberty Mutual vs. MetLife Liberty Mutual vs. Nationwide Liberty Mutual vs. North Star Mutual Liberty Mutual vs. Safe Auto Liberty Mutual vs. State Farm Liberty Mutual vs. The General Liberty Mutual vs. The Hartford Liberty Mutual vs. Titan Liberty Mutual vs. Travelers Liberty Mutual vs. USAA
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Progressive vs Liberty Mutual

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