Liberty Mutual vs. Progressive Auto Insurance in 2025 (Compare Rates & Options Here!)
Liberty Mutual vs. Progressive auto insurance compares with rates at $96 and $56. Liberty Mutual offers accident forgiveness and new car replacement, while Progressive offers low rates and Snapshot for safe driving discounts. This company provides extra protection and prioritizes cost savings for drivers.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Mar 7, 2025
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13,283 reviewsLiberty Mutual vs. Progressive auto insurance compares coverage options, policy benefits, and available discounts.
Liberty Mutual offers accident forgiveness, new car replacement, and better gap coverage, making it a strong choice for drivers needing extra protection.
Liberty Mutual vs. Progressive Auto Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.2 | 4.3 |
| Business Reviews | 4.0 | 4.0 |
| Claim Processing | 3.3 | 3.5 |
| Company Reputation | 4.0 | 4.5 |
| Coverage Availability | 5.0 | 5.0 |
| Coverage Value | 4.1 | 4.2 |
| Customer Satisfaction | 2.0 | 2.1 |
| Digital Experience | 4.5 | 4.5 |
| Discounts Available | 5.0 | 5.0 |
| Insurance Cost | 4.3 | 4.4 |
| Plan Personalization | 4.5 | 4.5 |
| Policy Options | 5.0 | 5.0 |
| Savings Potential | 4.5 | 4.6 |
| Liberty Mutual Review | Progressive Review |
Progressive provides its Snapshot program for usage-based discounts, continuous coverage benefits, and strong bundling options for multi-policy savings. Comparing these features helps drivers determine which insurer best fits their coverage needs and budget.
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- Liberty Mutual offers accident forgiveness & new car replacement at $96/month
- Progressive provides Snapshot discounts & lower rates starting at $56/month
- Liberty Mutual includes gap coverage, while Progressive excels in bundling
Liberty Mutual vs. Progressive: Rate & Coverage Comparison
Liberty Mutual and Progressive have different pricing strategies, with Progressive generally offering lower rates, especially for younger and older drivers. For example, a 16-year-old female pays $1,144 per month with Progressive, while Liberty Mutual charges $1,031.
Liberty Mutual vs. Progressive Full Coverage Auto Insurance Monthly Rates
| Age & Gender | | |
|---|---|---|
| 16-Year-Old Female | $1,031 | $1,144 |
| 16-Year-Old Male | $1,121 | $1,161 |
| 30-Year-Old Female | $249 | $187 |
| 30-Year-Old Male | $285 | $194 |
| 45-Year-Old Female | $244 | $159 |
| 45-Year-Old Male | $248 | $150 |
| 60-Year-Old Female | $211 | $131 |
| 60-Year-Old Male | $227 | $136 |
The trend continues for other age groups, with Progressive maintaining more affordable premiums, such as $187 for a 30-year-old female, compared to Liberty Mutual’s $249. Progressive also holds a larger market share at 15.2%, while Liberty Mutual accounts for just 4.2%, showing that more drivers choose Progressive for cost savings.
Liberty Mutual car insurance rates tend to be higher because they include added protection like accident forgiveness and new car replacement insurance. In contrast, Progressive’s Snapshot program rewards safe driving with discounts, making it the better option for budget-conscious drivers.
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Liberty Mutual vs. Progressive: Cheaper Rates for All Driving Records
For policyholders with better driving records, Progressive also provides lower rates than Liberty Mutual. Progressive charges $150 a month for those with a clean record, while Liberty Mutual costs $248. For high-risk drivers, the price gap increases drastically—Progressive charges $200 per month for a driver with a DUI, compared to Liberty Mutual’s $447.
Liberty Mutual vs. Progressive Full Coverage Auto Insurance Monthly Rates by Driving Record
| Driving Record | | |
|---|---|---|
| Clean Record | $248 | $150 |
| Not-At-Fault Accident | $335 | $265 |
| Speeding Ticket | $302 | $199 |
| DUI/DWI | $447 | $200 |
Even for minor infractions like a speeding ticket, Progressive remains the cheaper option at $199, whereas Liberty Mutual prices are higher at $302 for the same violation.
If you’re choosing between Liberty Mutual and Progressive, prioritize cost with Progressive’s lower rates or opt for Liberty Mutual if you want accident forgiveness and better gap coverage—just compare quotes, check discounts, and ensure your policy covers what you need, especially for claims, roadside assistance, and multi-policy savings.Laura Berry Former Licensed Insurance Producer
These differences suggest that Progressive is the better choice for drivers looking to save money, especially those with violations. In contrast, Liberty Mutual is expensive but may appeal to those who prioritize additional policy benefits over lower premiums.
Liberty Mutual vs. Progressive: Auto Insurance Rates by Credit Score
Progressive offers lower auto insurance rates than Liberty Mutual across all credit tiers. Drivers with good credit pay $115 per month with Progressive, while Liberty Mutual charges $120. The difference increases for fair credit drivers, with Progressive at $160 and Liberty Mutual at $180.
Liberty Mutual vs. Progressive: Full Coverage Auto Insurance Monthly Rates by Credit Score
| Credit Score | | |
|---|---|---|
| Good Credit | $120 | $115 |
| Fair Credit | $180 | $160 |
| Bad Credit | $300 | $270 |
The biggest gap is for bad credit drivers—Liberty Mutual charges $300, while Progressive costs $270. Progressive consistently provides lower rates, making it the more affordable option, especially for drivers with lower credit scores.
The additional benefits of Liberty Mutual policies may explain the higher premiums, but they come at a premium price, especially when you consider how credit scores affect auto insurance rates, as drivers with lower scores often face even steeper increases.
Liberty Mutual vs. Progressive: Discount Comparison
Progressive offers better discount opportunities overall, especially for bundling (12% vs. 10%), good students (10% vs. 8%), and pay-in-full (8% vs. 7%). Liberty Mutual matches Progressive’s 15% safe driver discount and provides a 5% homeowner discount, which Progressive does not.
Liberty Mutual vs. Progressive: Auto Insurance Discounts
| Discount Type | | |
|---|---|---|
| Safe Driver | 15% | 15% |
| Bundling | 10% | 12% |
| Good Student | 8% | 10% |
| Pay-in-Full | 7% | 8% |
| Paperless | 5% | 5% |
| New Car | 10% | 10% |
| Anti-Theft | 5% | 6% |
| Homeowner | 5% | ❌ |
| Loyalty | 12% | 6% |
| Driver Training | ❌ | 8% |
However, Progressive gives a 6% loyalty discount, while Liberty Mutual offers 12%, making it more rewarding for long-term customers. Driver training discounts are only available with Progressive, while Liberty Mutual provides more policyholder incentives.
If maximizing savings is the priority, Progressive generally offers more opportunities to lower rates, including good student auto insurance discounts for drivers with a B average or higher.
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Liberty Mutual vs. Progressive: Pricing and Consumer Satisfaction Compared
Each company has different strategies when it comes to auto insurance. Progressive aims for cheap rates, and Liberty Mutual values customer satisfaction. Progressive is among the best choices for budget-minded drivers, as it almost always has low premiums.
Insurance Business Ratings & Consumer Reviews: Liberty Mutual vs. Progressive
| Agency | | |
|---|---|---|
 | Score: 717 / 1,000 Above Avg. Satisfaction | Score: 672 / 1,000 Avg. Satisfaction |
 | Score: A- Good Business Practices | Score: A+ Excellent Business Practices |
 | Score: 74/100 Good Customer Satisfaction | Score: 72/100 Avg. Customer Feedback |
 | Score: 0.55 Fewer Complaints Than Avg. | Score: 1.11 Avg. Complaints |
 | Score: A Excellent Financial Strength | Score: A+ Superior Financial Strength |
However, Liberty Mutual outperforms Progressive in customer experience, scoring 717/1,000 in J.D. Power’s satisfaction survey compared to Progressive’s 672. Liberty Mutual also has fewer consumer complaints, with a 0.55 NAIC score, while Progressive’s score of 1.11 indicates a higher volume of policyholder issues.
Despite its lower prices, Progressive lags behind in customer service ratings, with a Consumer Reports score of 72/100, slightly below Liberty Mutual’s 74/100. In financial strength, Progressive holds an A+ rating from AM Best, while Liberty Mutual maintains a solid A rating, indicating both companies are financially stable.
While Progressive is the more affordable option, Liberty Mutual stands out among auto insurance companies for better service, fewer complaints, and a stronger customer experience.
Pros and Cons of Liberty Mutual Auto Insurance
Liberty Mutual offers solid coverage options, but whether it’s the right fit depends on your budget and what features matter most. Here’s a breakdown of its strengths and weaknesses to help you decide.
Pros
- Accident Forgiveness & New Car Replacement: Prevents rate hikes after the first accident and replaces totaled cars less than a year old with a brand-new model.
- Strong Gap Coverage: Covers the loan balance if your car is totaled, reducing out-of-pocket costs for financed vehicles.
- Fewer Customer Complaints: Reports fewer service and claims issues than Progressive, indicating better overall customer satisfaction.
Cons
- Higher Premiums: Charges significantly more than Progressive, especially for high-risk drivers.
- Fewer Discounts: Lacks savings like Progressive’s continuous coverage discount, limiting cost-cutting options.
Liberty Mutual stands out for added protections like accident forgiveness and gap coverage, but it comes at a cost. If you’re looking for lower rates or more discount opportunities, Progressive may be the better choice.
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A Reddit user shared their experience, stating they have home, auto, and motorcycle insurance through Liberty Mutual with no issues. They noted that older cars are often totaled because it’s cheaper for the insurance company. Repair shops also hesitate to work on older vehicles due to limited part availability.
Pros and Cons of Progressive Auto Insurance
Progressive leads with lower rates and discount programs, but it has disadvantages that could be worth noting, depending on what your priorities are. Here’s what to know before getting a policy.
Pros
- Lower Rates: Offers cheaper premiums than Liberty Mutual, making it a cost-effective option for high-risk drivers.
- Snapshot Program: Uses driving data to reward safe habits with additional discounts, helping lower premiums over time.
- More Discounts: Provides savings opportunities like continuous coverage and multi-policy discounts, giving drivers more ways to cut costs.
Cons
- Higher Complaint Rate: Reports more customer complaints than Liberty Mutual, mainly regarding claims processing and payouts.
- Weaker Accident Forgiveness: Unlike Liberty Mutual, accident forgiveness isn’t built-in and must be purchased separately.
Progressive is a strong choice for budget-conscious drivers who want personalized discounts, but those who prioritize claims service and built-in perks may prefer Liberty Mutual. A Reddit user shared their experience, stating they’ve had Progressive for seven years and found it reliable. After filing a claim for a not-at-fault accident, Progressive covered the damage, and their rates didn’t increase.
Comment
byu/plartoo from discussion
inpersonalfinance
They highlighted the benefits of bundling home and auto insurance for extra savings and noted that higher deductibles significantly lower premiums. The user also mentioned that Progressive was once known for insuring drivers with bad records but has now become more mainstream. They prefer paying six months upfront due to the savings.
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Liberty Mutual vs. Progressive: Best Auto Insurance for You
Liberty Mutual and Progressive auto insurance are no different; deciding between the two depends largely on your coverage needs. Accident forgiveness, new car replacement, and better gap coverage from Liberty Mutual, but good for extra protection. Progressive writes the lower rates, and Snapshot gives you more discounts because you are a safer driver.
After seven years with Progressive, I filed a claim for a not-at-fault accident, and they covered the damage without raising my rates—bundling home and auto also lowered my premium, and paying six months upfront saved even more.Aremu Adams Adebisi Feature Writer
If bundling policies is a priority, Progressive offers better multi-policy savings, while Liberty Mutual provides unique perks like lifetime RightTrack discounts. Understanding different types of auto insurance can help you compare these features and choose the company that best fits your budget and coverage needs.
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Frequently Asked Questions
Which is better, Progressive or Liberty Mutual, for discounts?
Both Progressive and Liberty Mutual offer discounts, but Progressive has more savings opportunities. Liberty Mutual provides discounts for bundling, military personnel, and good students, while Progressive adds Snapshot rewards, multi-policy bundling, and continuous coverage discounts. If cutting costs is your main concern, Progressive typically offers more ways to lower your premium.
Where does Liberty Mutual rank for auto insurance?
Liberty Mutual ranks among the top auto insurance companies but is generally more expensive than Progressive, Geico, and State Farm. It scores well in policy options and claims satisfaction, with strong ratings from J.D. Power and the BBB. However, its higher complaint ratio with the NAIC and relatively high premiums make it a less appealing choice for budget-conscious drivers compared to Progressive.
Are Liberty Mutual and Progressive the same company?
No, Liberty Mutual and Progressive are separate companies with distinct approaches to insurance. Liberty Mutual offers a variety of policies, including home, auto, and life insurance, while Progressive focuses primarily on auto coverage with usage-based discounts like Snapshot. They have different pricing models, underwriting criteria, and customer service policies, operating as independent insurers.
Is Liberty Mutual better than Progressive?
Liberty Mutual is a solid company for coverage, offering far more options than the average car insurance policy, including features such as accident forgiveness and above-average gap coverage insurance. Progressive, however, is known for lower premiums and extensive discounts, especially for drivers who enroll in Snapshot, its telematics-based savings program.
Does Liberty Mutual offer a military discount?
Yes, Liberty Mutual military discount is available for active-duty military personnel, veterans, and their families. The discount amount varies by state and eligibility but can help reduce overall premium costs. Liberty Mutual also offers flexible policy options for deployed service members, allowing them to adjust or pause coverage based on their deployment status.
How much is Liberty Mutual car insurance a month?
Liberty Mutual car insurance rates vary based on driving history, location, vehicle type, and coverage level. Full coverage typically ranges from $150 to $300 per month, with higher rates for high-risk auto insurance policies. Liberty Mutual prices are generally higher than Progressive’s, reflecting added benefits like accident forgiveness and new car replacement.
Does Progressive offer a military discount?
No, Progressive does not offer a military discount, unlike Liberty Mutual, Geico, and USAA. However, Progressive provides other savings opportunities, including multi-policy discounts, safe driver discounts, and its Snapshot program, which can significantly lower premiums for drivers who maintain good driving habits.
Does Liberty Mutual offer SR-22 insurance?
Yes, Liberty Mutual sells SR-22 insurance, which is required for high-risk drivers who must prove financial responsibility due to serious violations like DUIs or multiple traffic infractions. The price of an SR-22 policy differs but can relatively lead to a higher-than-normal premium due to the increased risk associated with the driver.
What factors determine whether auto insurance is cheaper than Progressive?
Auto insurance is cheaper than Progressive for some drivers, but rates depend on factors like driving record, credit score, age, location, and coverage needs. Progressive typically offers lower rates, especially for drivers with clean records or those who use its Progressive Snapshot program. However, Liberty Mutual may be a better fit for those needing accident forgiveness or enhanced gap coverage, even at a higher price.
What are some Progressive auto insurance discounts?
Common Progressive auto insurance discounts include safe driver discounts, multi-car discounts, homeowner discounts, paperless billing savings, and online purchase discounts. Progressive also rewards drivers who sign up early, pay their policy in full, or maintain continuous coverage without gaps.
How does the Progressive roadside assistance app work?
The Progressive roadside assistance app allows customers to request emergency services directly from their mobile devices. Sensitive to Vehicle Value App helps policyholders request tows, flat tire changes, fuel deliveries, and battery jump-starts. The app offers real-time updates about the arrival times of service personnel, making it a useful tool for roadside emergency management.
Is Liberty Mutual cheaper than Progressive?
Liberty Mutual is not cheaper than Progressive in most cases. If you are a younger driver or high-risk driver, or if you qualify for telematics discounts, Progressive usually offers the best rates. The higher costs at Liberty Mutual include added perks such as new car replacement and 24/7 roadside assistance. However, bundling home and auto policies or using loyalty programs can help narrow the cost gap.
Is there a difference between Progressive and Progressive Direct?
Yes, there is a difference between Progressive and Progressive Direct. Progressive Direct policies are sold directly to customers online or via phone, bypassing agents to keep costs lower. Traditional Progressive policies are sold through independent insurance agents who provide personalized service and additional coverage recommendations.
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How does a Progressive car insurance comparison help find better rates?
Drivers can see how Progressive car insurance compares to rates from other companies, including Liberty Mutual, Geico, and State Farm. Progressive has some tools such as AutoQuote Explorer, which allows customers to visualize policy options and pricing in real time. Drivers could make sure they are getting the right coverage for their particular situation at the best price by comparing several quotes.
Is Liberty Mutual Insurance expensive?
For many drivers, Liberty Mutual Insurance is expensive compared to Progressive and other major insurers. While it offers accident forgiveness and lifetime repair guarantees, its rates are often higher than competitors. Factors like location, credit history, and vehicle type impact pricing, but drivers seeking lower premiums may find Progressive’s rates more affordable.
