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

Progressive vs. Liberty Mutual

Updated

Fact checked

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.

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
  • Roadside assistance
  • Accident forgiveness
  • Collision coverage
Promoted
 

Progressive

Liberty Mutual

OVERVIEW

OVERVIEW
About the provider
About the brand Get unlimited discounts and score a lower deductible every 6 months you don't make a claim. Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
States served
States served All 50 states All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods online
phone
online
phone
Payment schedule
Payment schedule 12 months
6 months
12 months
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes Yes
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes, up to 10% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes
Special employment discount
Special employment discount No Yes
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount Yes Yes
Learn more
Learn more

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
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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Compare up to 4 providers

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