Liberty Mutual vs. Progressive Car Insurance: Expert Recommended (2024)
In the comparison between two industry giants, Progressive and Liberty Mutual, choosing the right car insurance becomes a strategic decision. Unveiling a spectrum of coverage options and tailored services, both companies vie for the driver's choice with distinct offerings.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Mar 9, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Mar 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
| Factor | Liberty Mutual | Progressive |
|---|---|---|
| Clean Record | $174 | $105 |
| 1+ Ticket | $212 | $140 |
| 1+ Accident | $234 | $186 |
| DUI | $313 | $140 |
| Poor Credit | $299 | $181 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Liberty Mutual | Progressive |
|---|---|---|
| Anti Theft | 15% | 31% |
| Good Student | 12% | 20% |
| Low Mileage | 20% | 5% |
| Paperless | 10% | 15% |
| Safe Driver | 12% | 10% |
| Senior Driver | 23% | 10% |
Progressive
Pros:
- Extensive range of coverage for various vehicles and properties
- Competitive pricing and potential for significant savings in specific states
- Wide array of discounts available, including safe driver incentives and app-based programs
- User-friendly mobile app and online tools for policy management
- Progressive Snapshot program for personalized insurance rates
Cons:
- Mixed customer feedback on claim resolution experiences
- Credit score consideration impacting insurance rates
- Rates may vary significantly by location and individual factors
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Liberty Mutual
Pros:
- Diverse coverage options, including vehicles, homes, renters, and more
- Bundling discounts for auto and home insurance, extending to renters and condo owners
- Multiple policy enrollment discounts and rewards for safe driving
- Accessibility and availability of 24/7 customer service
- RightTrack program offering potential discounts based on driving behavior
Cons:
- Generally higher car insurance rates compared to competitors
- Mixed customer reviews regarding claim resolution and payout experiences
- Limited bundling discounts for other insurance types beyond auto and home insurance
Liberty Mutual vs. Progressive: Coverage Options
Liberty Mutual Insurance is well established in many insurance types. Liberty Mutual covers cars, motorcycles, boats, off-road vehicles, homes, renters, landlords, and more.
Progressive offers insurance coverage for many vehicles, including boats, RVs, motorcycles, and more. Progressive is one of the largest auto insurance companies in America. Though Progressive does offer home, property, and other lines of insurance as well.
Everyone tries to find car insurance discounts to reduce their auto insurance rates. One method to get a discounted rate is by bundling policies.
When you buy more than one policy from Progressive, you can bundle discounts. Buying auto and homeowners insurance together is quite common.
However, Progressive also encourages people to try bundling auto and motorcycle, homeowners and RV, auto and boat, etc.
Liberty Mutual offers bundles for its auto and home insurance policies that will earn you a discount on both policies. The bundling doesn’t only apply to homeowners insurance, but to renters and condo owners as well.
We found no sign that there are bundling discounts for any of the other types of insurance offered by Liberty Mutual.
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Liberty Mutual vs. Progressive: Rates
The average Liberty Mutual car insurance rate varies by location, personal history, and other factors.
Liberty Mutual Average Monthly Rates by State Compared to Average
| State | Average Monthly Rates | $ Higher/Lower Than State Average | % Higher/Lower Than State Average |
|---|---|---|---|
| Alabama | $333.79 | $36.54 | 0.91% |
| Alaska | $441.30 | $156.17 | 2.95% |
| California | $252.87 | -$54.54 | -1.80% |
| Colorado | $233.15 | -$89.89 | -3.21% |
| Connecticut | $606.91 | $222.00 | 3.05% |
| Delaware | $1,530.00 | $1,031.14 | 5.62% |
| Florida | $447.35 | $57.31 | 1.07% |
| Georgia | $837.79 | $423.88 | 4.22% |
| Hawaii | $265.80 | $52.83 | 1.66% |
| Idaho | $191.79 | -$56.47 | -2.45% |
| Illinois | $189.80 | -$85.65 | -3.76% |
| Indiana | $481.78 | $197.20 | 3.41% |
| Iowa | $367.94 | $119.50 | 2.71% |
| Kansas | $398.70 | $125.40 | 2.62% |
| Kentucky | $494.25 | $61.30 | 1.03% |
| Maine | $360.95 | $114.84 | 2.65% |
| Maryland | $774.80 | $392.90 | 4.23% |
| Massachusetts | $361.61 | $138.38 | 3.19% |
| Michigan | $1,666.67 | $791.78 | 3.96% |
| Minnesota | $1,130.30 | $763.36 | 5.63% |
| Mississippi | $371.33 | $65.95 | 1.48% |
| Missouri | $376.56 | $99.15 | 2.19% |
| Montana | $110.51 | -$157.89 | -11.91% |
| Nebraska | $520.13 | $246.49 | 3.95% |
| Nevada | $516.80 | $111.65 | 1.80% |
| New Hampshire | $703.70 | $441.05 | 5.22% |
| New Jersey | $563.89 | $104.28 | 1.54% |
| New York | $545.06 | $187.57 | 2.87% |
| North Carolina | $181.89 | -$100.87 | -4.62% |
| North Dakota | $1,071.07 | $723.92 | 5.63% |
| Ohio | $369.15 | $143.34 | 3.24% |
| Oklahoma | $572.89 | $227.69 | 3.31% |
| Oregon | $361.21 | $72.23 | 1.67% |
| Pennsylvania | $504.60 | $168.39 | 2.78% |
| Rhode Island | $515.34 | $98.40 | 1.59% |
| South Dakota | $626.33 | $294.48 | 3.92% |
| Tennessee | $517.22 | $212.15 | 3.42% |
| Utah | $360.65 | $59.66 | 1.38% |
| Vermont | $301.76 | $32.25 | 0.89% |
| Washington | $332.89 | $77.95 | 1.95% |
| West Virginia | $243.70 | $27.42 | 0.94% |
| Wisconsin | $563.24 | $262.73 | 3.89% |
| Wyoming | $165.78 | -$100.89 | -5.07% |
Some states, like Montana and Wyoming, have more affordable rates than the average cost. Other states, like Delaware and Michigan, see higher rates than average.
Now, let’s take a look at a table showing Progressive’s rates in comparison to state averages.
Progressive Average Monthly Insurance Rates by State
| State | Average Monthly Rates | Compared to State Average Rates (+/-) | Percentage Change from State Average Rates (+/-) |
|---|---|---|---|
| Alaska | $255.24 | -$29.89 | -0.98% |
| Alabama | $370.88 | $73.63 | 1.65% |
| Arkansas | $442.67 | $98.93 | 1.86% |
| Arizona | $298.13 | -$16.12 | -0.45% |
| California | $237.47 | -$69.94 | -2.45% |
| Colorado | $352.66 | $29.63 | 0.70% |
| Connecticut | $410.03 | $25.12 | 0.51% |
| District of Columbia | $414.19 | $44.25 | 0.89% |
| Delaware | $348.49 | -$150.37 | -3.60% |
| Florida | $465.28 | $75.24 | 1.35% |
| Georgia | $374.94 | -$38.97 | -0.87% |
| Hawaii | $181.49 | -$31.48 | -1.45% |
| Iowa | $199.63 | -$48.82 | -2.04% |
| Idaho | -- | -- | -- |
| Illinois | $294.72 | $19.26 | 0.55% |
| Indiana | $324.83 | $40.25 | 1.03% |
| Kansas | $345.37 | $72.06 | 1.74% |
| Kentucky | $462.30 | $29.35 | 0.53% |
| Louisiana | $622.59 | $146.65 | 1.96% |
| Maine | $303.63 | $57.53 | 1.58% |
| Maryland | $341.24 | -$40.65 | -0.99% |
| Massachusetts | $319.59 | $96.36 | 2.51% |
| Michigan | $447.05 | -$427.84 | -7.98% |
| Minnesota | -- | -- | -- |
| Missouri | $284.93 | $7.52 | 0.22% |
| Mississippi | $359.07 | $53.69 | 1.25% |
| Montana | $360.90 | $92.49 | 2.14% |
| North Carolina | $198.55 | -$84.21 | -3.53% |
| North Dakota | $301.92 | -$45.23 | -1.25% |
| Nebraska | $313.17 | $39.53 | 1.05% |
| New Hampshire | $224.54 | -$38.11 | -1.41% |
| New Jersey | $331.06 | -$128.54 | -3.24% |
| New Mexico | $259.93 | -$28.71 | -0.92% |
| Nevada | $338.55 | -$66.59 | -1.64% |
| New York | $314.26 | -$43.23 | -1.15% |
| Ohio | $286.41 | $60.60 | 1.76% |
| Oklahoma | $402.70 | $57.50 | 1.19% |
| Oregon | $302.43 | $13.45 | 0.37% |
| Pennsylvania | $370.92 | $34.71 | 0.78% |
| Rhode Island | $435.92 | $18.98 | 0.36% |
| South Carolina | $381.09 | $66.00 | 1.44% |
| South Dakota | $312.73 | -$19.12 | -0.51% |
| Tennessee | $304.74 | -$0.33 | -0.01% |
| Texas | $388.72 | $51.78 | 1.11% |
| Utah | $319.18 | $18.18 | 0.48% |
| Virginia | $208.22 | $11.73 | 0.47% |
| Vermont | $434.76 | $165.25 | 3.17% |
| Washington | $267.46 | $12.52 | 0.39% |
| West Virginia | -- | -- | -- |
| Wisconsin | $260.74 | -$39.76 | -1.27% |
| Wyoming | $366.76 | $100.09 | 2.27% |
| Average | $327.95 | $22.87 | 0.58% |
Read more:
- Best Louisiana Car Insurance
- Best New Jersey Car Insurance
- Best New Mexico Car Insurance
- Best Rhode Island Car Insurance
- Best Vermont Car Insurance
- Best Michigan Car Insurance
As you can see, the company is cheaper in 19 states. In fact, in some states, the difference is huge. Look at Michigan, where Progressive is an astounding 95.7 percent cheaper. Finding affordable Progressive car insurance is a definite possibility.
Liberty Mutual vs. Progressive: Discounts Available
Liberty Mutual Insurance provides discounts on car insurance if you:
- Are a homeowner
- Are an active, retired, or reserved in the US military
- Get a quote before your current insurance expires
- Maintain a GPA of B or better
- Your child is away at school without your car
Your car can get you more discounts if it has advanced safety features, uses alternative energy, or has anti-theft technology. If you remain accident and violation-free, Liberty Mutual rewards you with discounts.
You may also enroll in Liberty Mutual’s RightTrack program for an initial discount for participation and a final discount of up to 30 percent with good driving behavior.
Finally, your policy qualifies for more discounts with multiple policies and multiple cars. Discounts apply when you enroll in automatic payment and paperless billing, if you pay in full, and when policies are purchased online.
Progressive offers a wide array of discounts as well. There are some discounts for additions to your vehicle, like adaptive headlights and anti-lock brakes. There are also some for having a new or particularly safe vehicle.
A big one to take note of is the safe driver discount. If you have had no tickets or accidents within the past three years, your policy could cost 31 percent less than those who have had tickets or accidents.
You can also use the Progressive app and get Progressive Snapshot. This utilizes customer driving habits data to specialize insurance rates for said customer.
All you have to do is either get the plug-in device or go through the Progressive insurance login steps on the app.
Liberty Mutual vs. Progressive: Insurance Rates by Credit
Credit scores determine your ability to meet your future payment obligations. A poor credit score doesn’t portray a profitable picture for insurance companies.
If you’ve defaulted on payments before, auto insurers would raise your auto insurance rates to cover potential losses due to non-payment. Take a look at the table below to see some examples.
Average Annual Car Insurance Rates by Credit History
| Insurance Group | Average Annual Rates: Poor Credit Driver | Average Annual Rates: Fair Credit Driver | Average Annual Rates: Good Credit Driver |
|---|---|---|---|
| Allstate | $6,490.65 | $4,581.16 | $3,859.66 |
| American Family | $4,467.98 | $3,169.53 | $2,691.74 |
| Farmers | $4,864.14 | $3,899.41 | $3,677.12 |
| Geico | $4,259.50 | $2,986.79 | $2,434.82 |
| Liberty Mutual | $8,802.22 | $5,604.24 | $4,388.18 |
| Nationwide | $4,083.29 | $3,254.83 | $2,925.94 |
| Progressive | $4,737.64 | $3,956.31 | $3,628.85 |
| State Farm | $4,951.20 | $2,853.00 | $2,174.26 |
| Travelers | $5,160.22 | $4,344.10 | $4,058.97 |
| USAA | $3,690.73 | $2,219.83 | $1,821.20 |
Your rates can increase if your credit isn’t the best.
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Liberty Mutual vs. Progressive: Insurance Rates by Driver History
Car insurance exists to protect people from risky drivers. So your driving record is a major factor in determining your auto insurance rates. Rates are calculated depending on the type of record on your driving history.
Average Annual Car Insurance Rates by Driving Record
| Insurance Company | Clean Record Average Annual Rates | With One Accident Average Annual Rates | With One DUI Average Annual Rates | With One Speeding Ticket Average Annual Rates |
|---|---|---|---|---|
| Allstate | $3,819.90 | $4,987.68 | $6,260.73 | $4,483.51 |
| American Family | $2,693.61 | $3,722.75 | $4,330.24 | $3,025.74 |
| Farmers | $3,460.60 | $4,518.73 | $4,718.75 | $4,079.01 |
| Geico | $2,145.96 | $3,192.77 | $4,875.87 | $2,645.43 |
| Liberty Mutual | $4,774.30 | $6,204.78 | $7,613.48 | $5,701.26 |
| Nationwide | $2,746.18 | $3,396.95 | $4,543.20 | $3,113.68 |
| Progressive | $3,393.09 | $4,777.04 | $3,969.65 | $4,002.28 |
| State Farm | $2,821.18 | $3,396.01 | $3,636.80 | $3,186.01 |
| Travelers | $3,447.69 | $4,289.74 | $5,741.40 | $4,260.80 |
| USAA | $1,933.68 | $2,516.24 | $3,506.03 | $2,193.25 |
Speeding violations and accidents do impact your auto insurance rates. However, most auto insurers penalize those with a DUI (driving under the influence) on their record the most heavily.
Unlike others, Progressive charges higher rates from those who have a speeding violation or accident record than a DUI. For those with a DUI record, Progressive seems like a reasonable option.
Liberty Mutual vs. Progressive: Insurance Rates by Age
Everyone compares auto insurance rates across different providers before making their final decision. It goes without saying that you must consider other factors besides the price and what each insurer offers for the rate they are charging.
A few tips for better, cheaper car insurance include:
- Check with your insurer about a bundle discount when carrying multiple policies
- Ask your insurer if they have a resource center that might provide guidance on obtaining discounts
- Ask about any safe driving discounts
- Check with your insurance agent for details on any other possible discounts
For example, an insurance company may offer affordable rates for above 30-year-old drivers and higher rates for teenagers. In this situation, if you add a child to your policy, the total payments might become too high.
While selecting a provider, you need to see the quotes in the light of your specific needs, not the cheapest provider at the moment. Finding the best Liberty Mutual car insurance quotes or Progressive car insurance quotes can’t be done without a comparison.
Average Full Coverage Monthly Car Insurance Rates by Age, Gender and Marital Status
| Driver Type | Average Geico Rates | Average American Family Rates | Average Farmers Rates | Average Allstate Rates | Average Liberty Mutual Rates |
|---|---|---|---|---|---|
| Single 17-Year-Old Female | $471.13 | $499.71 | $710.16 | $773.52 | $968.42 |
| Single 17-Year-Old Male | $523.25 | $677.54 | $762 | $886.88 | $1143.22 |
| Single 25-Year-Old Female | $198.24 | $190.72 | $245.57 | $285.41 | $329.97 |
| Single 25-Year-Old Male | $188.57 | $224.56 | $253.45 | 4297.58 | $375.26 |
| Married 35-Year-Old Female | $191.91 | $183.56 | $213.08 | $263.01 | $316.9 |
| Married 35-Year-Old Male | $192.7 | $185.36 | $213.15 | $260.25 | $321.4 |
| Married 60-Year-Old Female | $186.72 | $166.08 | $194.73 | $242.78 | $287.08 |
| Married 60-Year-Old Male | $190.29 | $167.87 | $204.03 | $249.22 | $306.71 |
As shown in the table, Progressive has Liberty Mutual beat across the board. However, Progressive wouldn’t be a cheap option for single 17-year-old motorists.
For married 35- and 60-year-olds, Progressive offers competitive rates which can be used as a base to start your research for the best provider.
Read more: What is Liberty Mutual’s policy on rental car coverage during the claims process?
Liberty Mutual vs. Progressive: Car Insurance Ratings
How do rating companies rank Liberty Mutual? Some financial strength and customer service ratings for Liberty Mutual are as shown in the table:
Liberty Mutual Financial Strength and Customer Satisfaction Ratings
| Ratings Agency | Liberty Mutual Ratings |
|---|---|
| A.M. Best | A |
| Better Business Bureau | A- |
| Moody's | A2 |
| S&P | A |
| NAIC Complaint Index | 6.27 |
| JD Power | Claims Satisfaction 2/5 Shopping Study 3/5 |
| Consumer Reports | 88 |
| Consumer Affairs | 2 stars/328 reviews |
Looking at ratings is a good, objective way to determine how good an insurer is. Here are Progressive’s financial strength and customer service ratings:
Progressive Financial Strength and Credit Ratings
| Ratings Agencies | Progressive Ratings |
|---|---|
| AM Best | A+ |
| Better Business Bureau (BBB) | A |
| Moody's | Aa |
| S&P | AA |
| NAIC Complaint Index | 1.33 |
| J.D. Power - Power Circle Ratings | About Average |
| Consumer Reports | 87 |
All in all, it appears that Liberty Mutual is going to run you a higher price tag. This is not to say it is worth glossing over. Liberty Mutual and Progressive both offer many discount programs to lower your car insurance rates. However, Progressive has an A.M. Best rating of A+ (Superior).
When comparing insurers, always ask what they can do for you and your particular situation. Finding cheap Liberty Mutual car insurance rates or Progressive car insurance rates is possible if you do your research.
Now that you know more about Liberty Mutual vs. Progressive, get a start on comparing rates by typing your ZIP code into our helpful and free tool below to find affordable car insurance quotes in your area.
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Effortless Claims Handling With Liberty Mutual vs. Progressive Car Insurance
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
When it comes to filing a claim with Liberty Mutual or Progressive, both companies offer user-friendly options. Policyholders can easily initiate the claims process through their online accounts, over the phone, or using mobile apps. These multiple channels provide flexibility and convenience, allowing customers to choose the method that suits them best.
Average Claim Processing Time
The speed at which your claim is processed can be crucial in times of need. Liberty Mutual and Progressive both strive to provide efficient claim processing. However, the average claim processing time may vary based on the complexity of the claim and individual circumstances. It’s advisable to contact the respective insurance companies for specific information on claim processing times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a significant role in assessing the quality of an insurance company’s claim resolutions and payouts. While both Liberty Mutual and Progressive aim to satisfy their customers, it’s essential to review customer reviews and ratings to gauge their performance in this regard.
Hearing from policyholders who have experienced the claims process firsthand can provide valuable insights into the satisfaction levels with claim resolutions and payouts.
Read more: Will my insurance premium increase if I file a car insurance claim with Progressive?
Exploring Liberty Mutual vs. Progressive Car Insurance Digital and Technological Innovations
Mobile App Features and Functionality
In today’s digital age, mobile apps have become an essential tool for managing insurance policies. Liberty Mutual and Progressive offer mobile apps with a range of features and functionalities.
These apps typically allow policyholders to access their accounts, make payments, file claims, and even track the status of their claims on-the-go. Exploring the features of each company’s mobile app can help you determine which one aligns better with your preferences.
Online Account Management Capabilities
Online account management is a fundamental aspect of insurance services. Both Liberty Mutual and Progressive provide online account management platforms that enable policyholders to review their policies, make changes, and access important documents.
Evaluating the user-friendliness and capabilities of these online account management systems can help you choose the insurer that meets your needs.
Digital Tools and Resources
Digital tools and resources offered by Liberty Mutual and Progressive can enhance your overall insurance experience. These tools may include online calculators, educational resources, and helpful guides to assist policyholders in making informed decisions about their coverage.
Exploring the availability and usefulness of these digital resources can contribute to a more comprehensive evaluation of the insurers’ digital offerings.
Frequently Asked Questions
What factors should I consider when choosing between Liberty Mutual and Progressive car insurance?
When comparing Liberty Mutual and Progressive car insurance, there are several factors you should consider. These include coverage options, pricing, discounts, customer service, financial stability, and the claims process. It’s important to assess your specific needs and preferences to determine which company aligns best with your requirements.
Which company offers better coverage options?
Both Liberty Mutual and Progressive offer a range of coverage options for car insurance. The best coverage for you depends on your individual needs. It is advisable to review the policy details and speak with representatives from both companies to understand the specific coverage options they provide and how well they match your requirements.
How do Liberty Mutual and Progressive compare in terms of pricing?
Pricing can vary depending on factors such as your location, driving history, and the type of coverage you choose. It is recommended to obtain personalized quotes from both Liberty Mutual and Progressive to compare prices. By providing the necessary information, you can receive accurate quotes that reflect your specific circumstances.
Are there any notable differences in discounts offered by Liberty Mutual and Progressive?
Liberty Mutual and Progressive offer various discounts that can help you save on car insurance. Common discounts include safe driving discounts, multi-policy discounts, and discounts for certain vehicle safety features. It’s advisable to inquire about the available discounts from both companies and see which ones you qualify for, as this can impact the overall cost of your insurance.
How do Liberty Mutual and Progressive compare in terms of customer service?
Customer service is an essential aspect to consider when choosing a car insurance provider. Both Liberty Mutual and Progressive have customer service departments that aim to assist policyholders. However, experiences may vary. It can be helpful to read customer reviews and ratings to gauge the satisfaction levels of existing customers with each company’s customer service.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.