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

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.

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

Driver discounts

	Progressive	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
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Vehicle discounts

	Progressive	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
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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.