Progressive vs Liberty Mutual: Discounts, quotes, and comparison

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.

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Progressive

Progressive

Liberty Mutual

Liberty Mutual

About the providerProgressive 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 PricePolicy 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 servedAll 50 statesAll 50 states
User satisfaction*A+A+
J.D. Power ratings**3/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView 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

Progressive

Liberty Mutual

Liberty Mutual

Good studentDiscount 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 driver31% (no tickets or accidents in the last three years)
Pay in full
Multicar10%
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

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

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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.

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