Progressive vs. Liberty Mutual: Discounts, quotes, and comparison

Progressive vs. Liberty Mutual

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

The fourth-largest insurance company in the US, Progressive is a traditional lender whose sometimes expensive rates are made up for by excellent customer service and multiple discounts. The older Liberty Mutual is a similar company, the nation’s seventh-largest provider, and got a 2 out of 5 in overall satisfaction in J.D. Power’s 2017 Auto Insurance Study and a 3 out of 5 in some parts of the country.

With so many similarities between these two big-name car insurance providers, how can you compare them? We pit Progressive and Liberty Mutual side by side in user delight, potential discounts and other deals to see who rises to the top.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage

Our top pick: Liberty Mutual

Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage
  • Better car replacement
  • Coverage for every location
Promoted
Progressive

Progressive

Liberty Mutual

Liberty Mutual

About the provider Progressive is a household name and one of the largest car insurance companies in the US. Since 1937, customers have flocked to Progressive for their wide-ranging insurance needs. It also offers discounts through Snapshot, a use-based insurance program. Formed in 1912, Liberty Mutual is committed to delivering insurance at competitive rates. Taking pride in operating with immense integrity, this global insurer goes beyond typical policies for its customers.
Policy Price Policy costs vary. Visit Progressive for a quote based on your specific needs. Policy costs vary. Visit Liberty Mutual for a quote based on your specific needs.
States served All 50 states All 50 states
User satisfaction* A+ A+
J.D. Power ratings** 3/5 on overall claims satisfaction 3/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


*Based on Better Business Bureau’s company rating.
**Based on the 2016 US Auto Claims Satisfaction Study


Driver discounts

Progressive

Progressive

Liberty Mutual

Liberty Mutual

Good student Discount varies for grades B or better. Additional discount if away at school, 100+ miles away and 22 or younger. Discount varies, but for those under 25 with a B average or higher.
Defensive driver
Good driver 31% (no tickets or accidents in the last three years)
Pay in full
Multicar 10%
Military
Homeowner
Other discounts Automatic bill pays — discount varies

Sign documents online — 7% (not available in CA, GA or NC)

Minor child driver — discount varies for those younger than 19 and newly licensed

Continuous insurance — must maintain active insurance with no gaps or cancellations

Discounts for paying through autopay or by paying in full

New to Liberty Mutual vehicle discount

Teen driver discount

New graduate discount

Newly married, moved or retired discount


Vehicle discounts

Progressive

Progressive

Liberty Mutual

Liberty Mutual

Anti-theft device
Anti-lock brake
Passive restraints
Air bag
Other discounts Hybrid vehicle discount

Adaptive cruise control

Lane-departure warning

Collision preparation systems

Bottom line

Liberty Mutual may be more established by a few years, but Progressive folds higher user satisfaction into more discounts for your autopay, minor child, vehicle safety features — and generally being an overall good driver. If neither one’s right for you, compare car insurance options to find the best policy for you.

Compare alternatives to Progressive and Liberty Mutual

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

Compare up to 4 providers

Read more on this topic

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site