Liberty Mutual vs. Progressive Auto Insurance (2024)
Choosing between Liberty Mutual vs. Progressive auto insurance is difficult, so we examine Liberty Mutual vs. Progressive auto insurance rates by age, driving record, and credit score for you. Progressive quotes are cheaper than Liberty Mutual rates on all of our comparison points, but Liberty Mutual has a greater variety of discounts.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Nov 1, 2024
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- Progressive is cheaper than Liberty Mutual across the board
- Progressive has a slightly higher financial rating than Liberty Mutual
- Liberty Mutual reviews for customer satisfaction are lower than Progressive reviews
Both Liberty Mutual and Progressive are on the list of the top 10 best auto insurance companies, but which company is the best option based on your personal characteristics?
We’ll compare Liberty Mutual vs. Progressive auto insurance rates based on age, driving record, and credit history to see which one can give you a better deal.
We’ll also compare available discounts and ratings from agencies with a credible and trustworthy view of Liberty Mutual vs. Progressive auto insurance companies.
Keep reading to find affordable Liberty Mutual vs. Progressive auto insurance quotes, or enter your ZIP code to compare quotes from multiple companies in your area.
Is Liberty Mutual auto insurance or Progressive auto insurance cheaper?
You may be surprised to learn all of the factors that auto insurance companies use to determine your rates. Common factors include your age, gender, marital status, driving history, and credit score.
All of these factors will determine how affordable Liberty Mutual vs. Progressive auto insurance is for you. Since everyone is different, rates will vary.
First, we’ll look at Liberty Mutual vs. Progressive auto insurance rates by demographics. Younger drivers are usually charged much higher rates because they lack experience, but you might not know just how much your age affects your rates.
Liberty Mutual vs. Progressive Average Annual Auto Insurance Rates by Age
| Age, Gender, and Marital Status | Liberty Mutual Average Annual Rates | Progressive Average Annual Rates |
|---|---|---|
| Single 17-year-old female | $9,875.56 | $8,625.44 |
| Single 17-year-old male | $12,181.54 | $9,467.29 |
| Single 25-year-old female | $3,287.35 | $2,574.87 |
| Single 25-year old male | $3,502.13 | $2,735.72 |
| Married 35-year-old female | $3,085.88 | $2,176.32 |
| Married 35-year-old male | $3,179.88 | $2,087.50 |
| Married 60-year-old female | $2,706.04 | $1,908.06 |
| Married 60-year-old male | $3,088.10 | $1,900.18 |
Progressive insurance is much cheaper regardless of your age, gender, or marital status.
Your driving record is another significant factor that car insurance companies consider when determining your rates. You will pay more for your policy if you have accidents, tickets, or DUIs than if you have a clean driving record.
Liberty Mutual vs. Progressive Average Annual Auto Insurance Rates by Driving Record
| Driving Record | Liberty Mutual Average Annual Rates | Progressive Average Annual Rates |
|---|---|---|
| Clean record | $4,774.30 | $3,393.09 |
| With 1 accident | $6,204.78 | $4,777.04 |
| With 1 DUI | $7,613.48 | $3,969.65 |
| With 1 speeding violation | $5,701.26 | $4,002.28 |
You can save thousands of dollars by choosing Progressive over Liberty Mutual, no matter what is on your driving record.
You may also be surprised to hear that your auto insurance rates are influenced by your credit score. Insurance companies believe that you are less likely to file a claim and are more likely to pay for damages out of pocket if you have a higher credit score.
Liberty Mutual vs. Progressive Average Annual Auto Insurance Rates by Credit History
| Credit History | Liberty Mutual Average Annual Rates | Progressive Average Annual Rates |
|---|---|---|
| Good | $4,388.18 | $3,628.85 |
| Fair | $5,604.24 | $3,956.31 |
| Poor | $8,802.22 | $4,737.64 |
Once again, Progressive is significantly cheaper than Liberty Mutual, especially if you have bad credit.
Keep in mind that if you are a food delivery driver, you will need to purchase Liberty Mutual or Progressive commercial auto insurance.
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Does Liberty Mutual or Progressive have better auto insurance discounts?
You can significantly lower your rates if you add auto insurance discounts to your policy. Many companies offer discounts for things like safe driving, being a student, and having multiple vehicles, and you can bundle these discounts for more savings.
This table shows you the available discounts through Liberty Mutual and Progressive. If the amount of the discount is known, it is included. Take a look and see which company offers you the most discounts.
Liberty Mutual vs. Progressive Auto Insurance Discounts
| Auto Insurance Discounts | Liberty Mutual (%) | Progressive (%) |
|---|---|---|
| Adaptive Cruise Control | 5 | x |
| Adaptive Headlights | 5 | x |
| Anti-lock Brakes | 5 | x |
| Anti-Theft | 20 | x |
| Claim Free | x | x |
| Continuous Coverage | N/A | x |
| Daytime Running Lights | 5 | x |
| Defensive Driver | 10 | 10 |
| Distant Student | N/A | x |
| Driver's Ed | 10 | 10 |
| Driving Device/App | 30 | 20 |
| Early Signing | N/A | x |
| Electronic Stability Control | 5 | x |
| Family Legacy | N/A | x |
| Federal Employee | 10 | N/A |
| Forward Collision Warning | 5 | x |
| Full Payment | $5 | x |
| Further Education | 10 | N/A |
| Good Credit | N/A | x |
| Good Student | 22.5 | x |
| Green Vehicle | 10 | N/A |
| Homeowner | x | x |
| Lane Departure Warning | x | x |
| Low Mileage | x | x |
| Loyalty | N/A | x |
| Married | x | x |
| Membership/Group | 10 | N/A |
| Military | 4 | N/A |
| Multiple Policies | 20 | 12 |
| Multiple Vehicles | 10 | 10 |
| New Address | 5 | N/A |
| New Customer/New Plan | x | N/A |
| New Graduate | 5 | N/A |
| Newer Vehicle | N/A | x |
| Newly Licensed | 5 | N/A |
| Newlyweds | 5 | N/A |
| Occupation | 10 | N/A |
| Online Shopper | N/A | 7 |
| Paperless Documents | N/A | $50 |
| Paperless/Auto Billing | x | x |
| Passive Restraint | x | x |
| Recent Retirees | 4 | N/A |
| Safe Driver | N/A | 31 |
| Stable Residence | N/A | x |
| Students & Alumni | 10 | N/A |
| Switching Provider | 10 | x |
| Vehicle Recovery | 35 | x |
| VIN Etching | 5 | x |
| Young Driver | x | x |
While both companies offer many of the same discounts, there are some differences. For example, Liberty Mutual offers a military discount and Progressive does not. On the other hand, Progressive offers a continuous coverage discount and Liberty Mutual doesn’t.
You can also call the Liberty Mutual customer service number or Progressive customer service number to ask about additional discounts when you get your Liberty Mutual and Progressive quotes.
How do Liberty Mutual and Progressive compare for financial strength and customer satisfaction?
A.M. Best ranks companies based on how financially stable they are. Liberty Mutual received an A rating, which represents an excellent ability to meet financial obligations. Progressive earned an A+ rating, representing a superior ability to meet obligations.
Both companies also received an A+ rating from the Better Business Bureau, but Liberty Mutual is accredited while Progressive is not.
J.D. Power ranked both Liberty Mutual and Progressive on customer satisfaction, including prices, billing, claims, and what is offered. Liberty Mutual ranked at or below average, while Progressive ranked average in most regions.
Does Liberty Mutual or Progressive have the better mobile app?
Both companies offer an easy-to-use website, and the Liberty Mutual and Progressive apps allow customers to access their accounts at any time. Usually, your Liberty Mutual login or Progressive login will work with both the general app and telematics app.
You can even file a Liberty Mutual insurance claim or request Progressive roadside assistance using the apps. You can also call the main Progressive or Liberty Mutual insurance phone numbers when you need roadside assistance or help with a claim.
Before you choose between Liberty Mutual vs. Progressive auto insurance, enter your ZIP code to compare quotes from multiple car insurance companies in your area.
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Frequently Asked Questions
Which company has better customer service?
The quality of customer service can vary depending on individual experiences and preferences. Both Liberty Mutual and Progressive have customer service departments that are available to assist policyholders with their inquiries and concerns. It’s a good idea to read reviews and consider personal recommendations to get a better sense of the customer service reputation of each company.
Can I manage my policy online with Liberty Mutual and Progressive?
Yes, both Liberty Mutual and Progressive provide online platforms and mobile apps that allow policyholders to manage their policies, make payments, view policy documents, and access other account-related information.
How can I file a claim with Liberty Mutual or Progressive?
To file a claim with Liberty Mutual, you can contact their claims department by phone, online through their website, or via their mobile app. Progressive also allows you to file a claim online, through their mobile app, or by calling their claims department directly.
Do Liberty Mutual and Progressive provide roadside assistance?
Yes, both Liberty Mutual and Progressive offer roadside assistance as an optional coverage that can be added to your auto insurance policy. This coverage typically includes services such as towing, battery jump-starts, fuel delivery, and tire changes in the event of a breakdown.
Are there any discounts available with Liberty Mutual and Progressive?
Yes, both Liberty Mutual and Progressive offer various discounts that can help reduce your auto insurance premiums. These discounts may include safe driver discounts, multi-policy discounts, good student discounts, and discounts for bundling auto insurance with other types of insurance policies. It’s recommended to inquire about available discounts when obtaining a quote.