Progressive vs Liberty Mutual Car Insurance

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

Deciding on a car insurance company can be hard: companies' rates may vary based on your driving history, location, and age, and every company's discounts differ. Progressive and Liberty Mutual are two of the top car insurance companies, providing high-quality coverage in most American states.

In an effort to simplify the process of comparing insurance companies, we have gathered average premiums from Liberty Mutual and Progressive. These rates cover a variety of pricing components, including credit quality, driving history, and age. Examine these rates and find the perfect policy for you.

 

Compare Progressive vs. Liberty Mutual auto insurance rates

 

Progressive vs. Liberty Mutual: pricing by credit score

If you have very poor credit, Liberty Mutual could be the way to go. On average, Liberty Mutual offers better rates than Progressive for prospective clients with credit scores of less than 580. Insurance shoppers with extraordinary credit — a score of 800 or better — should opt for Progressive, which typically beats Liberty Mutual by $472 per year. View typical insurance costs by credit tier for Liberty Mutual and Progressive below.

 

CREDIT SCORE INSURANCE RATE COMPARISON: 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 insurance rate comparison

If you have an at-fault accident, speeding ticket, reckless driving violation, or DUI in your recent history, Progressive could be a better choice than Liberty Mutual. Every insurance company prices its policies differently, so don't hesitate to shop around to understand which insurer is best for you.

 

COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Liberty Mutual VS. Progressive
CitationProgressive 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 bracket

Car insurance companies use a driver's age to indicate risk, pricing policies accordingly. Car insurance is commonly more expensive for teen drivers — due to their inexperience — and most affordable for drivers aged 25 or older. Because every car insurance company evaluates ages uniquely, it's smart to shop around and find the perfect policy for you.

As a general rule, teen drivers should choose Liberty Mutual over Progressive: the former's average annual rates are $1,689 less than the latter's..

 

AGE BRACKET INSURANCE RATE COMPARISON: Liberty Mutual VS. Progressive
Age bracketProgressive 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

 

Aside from affordability, Progressive and Liberty Mutual each have pros and cons, including discount programs, customer satisfaction ratings, add-ons, 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
3 out of 5
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.Liberty Mutual is committed to providing broad, useful and competitively-priced insurance products and services to meet their customers' ever-changing needs.
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 QuestionsWhy won’t my insurance recognize or cover Tesla labor rates?

I was at fault for an accident in my new Tesla Model 3. I have Progressive insurance and they do ...

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?

I’m in the process of selling my car and will be without a vehicle for the first time in years. ...

Does progressive auto insurance cover house property damage?

I was in an automobile accident and caused damage to a fence and to a side of a house. Does ...

Will my car insurance cover me after a theft

Somebody break into my car. I try to to file a claim but the employee told me I won’t get ...

See More Questions
Why did my rate increase for a $25 towing claim?

I used roadside & towing coverage once, my car was towed 2 miles, bill $75, insurance paid $25. I have ...

Can I get a refund for premiums I was forced to pay after accident?

Had a car accident and the insurance company declared it “totaled.” I live in NY state, was in a car ...

What’s the difference between a vanishing deductible and accident forgiveness

Kinda seems like they do the same thing. Do I need both? I have a new teen driver (17-year-old son) ...

Insurer refuses to give me my money back

On 11/06/2017: I receive a notice of Non-Renewal from Progressive Ins. Notice states that the policy will expire on 12:01 ...

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 Progressive vs. SAFECO Progressive vs. SafeAuto 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. SafeAuto 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
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Progressive vs Liberty Mutual

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