Compare Progressive vs. Liberty Mutual car insurance |

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

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Progressive vs. Liberty Mutual

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.

  • Customizable coverage
  • Industry-specific options
  • Easy online access
  • 24/7 assistance

Our top pick: Progressive commercial car insurance

This big-name lender offers general and specialized coverage for your drivers or fleet. But don’t expect top customer support.

  • Customizable coverage
  • Industry-specific options
  • Easy online access
  • 24/7 assistance


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



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%
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



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 Available states
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

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