Updated: November 13, 2024
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Liberty Mutualvs.Progressive
Progressive wins when it comes to policy price and customer satisfaction. On the other hand, Liberty Mutual has more unique coverage options. Both insurers reward drivers for safe driving behavior and offer a variety of discounts and additional perks.
Liberty Mutual is good for drivers who are looking for additional coverage options and safe driving discounts.
Progressive is good for drivers looking for the most affordable rates.
In general, Progressive offers more affordable car insurance than Liberty Mutual. Progressive has an affordability score of 4/5, while Liberty Mutual has an affordability score of 3/5. However, keep in mind that average rates vary depending on many factors, including what state you live in, your age, your driving record and your credit score. To determine which company offers the cheapest car insurance for your particular situation, be sure to get quotes from both insurers.
Many insurance companies offer similar discounts for car safety features, safe driving history and paying your policy early or in full. What matters most isn’t the discounts you receive, but your final quote. Just because a company offers an abundance of deals doesn’t necessarily mean your policy will be cheaper. The two most lucrative types of discounts are bundling discounts and usage-based discounts. Liberty Mutual has a slight advantage in bundling and usage-based discounts, but both insurers offer competitive discounts in these categories. Our analysis of the cheapest home and auto insurance bundles can provide more options.
Liberty Mutual and Progressive both offer bundling discounts for customers who purchase more than one insurance policy. Liberty Mutual customers save an average of $842 through bundling, while Progressive customers save an average of 5%, well below the industry standard of 17%.
Both insurers also offer usage-based discounts. Liberty Mutual has two separate programs: the RightTrack program, which rewards drivers for safe driving, and the ByMile program, which charges drivers based on how many miles they drive. Progressive’s Snapshot program allows drivers to qualify for a personalized rate based on their safe driving. Because Liberty Mutual offers more options for usage-based savings, it wins in this category.
Discount | Available With Liberty Mutual? | Available With Progressive? |
|---|---|---|
Homeowners | ✔ | ✔ |
Military discount | ✔ | |
Early signing | ✔ | |
Good student | ✔ | ✔ |
Distant student | ✔ | ✔ |
Anti-lock brakes | ✔ | |
Advanced safety features | ✔ | |
Alternative energy | ✔ | |
Anti-theft system | ✔ | |
Safe driving | ✔ | ✔ |
Bundling | ✔ | ✔ |
Multiple Car | ✔ | ✔ |
Automatic payment | ✔ | ✔ |
Pay in Full | ✔ | ✔ |
Sign up online | ✔ | ✔ |
Paperless | ✔ | ✔ |
Internet | ✔ | |
Continuously insured | ✔ | |
Accident forgiveness | ✔ |
MoneyGeek measures customer experience based on customer satisfaction scores from J.D. Power and customer complaint records from the National Association of Insurance Commissioners (NAIC). The best insurance companies for auto have high customer satisfaction ratings and few complaints relative to their peers. Progressive has a higher score when it comes to fewer customer complaints, and the two companies are tied when it comes to overall customer satisfaction. Overall, Progressive has slightly better scores for customer service than Liberty Mutual.
While the two companies are closely matched, Progressive has slightly higher customer satisfaction ratings, according to J.D. Power. Progressive scored 832/1000, while Liberty Mutual received 821/1000.
The NAIC measures each insurance company’s customer complaint volume and compares it to an average score of 1 — scores above 1 mean a company receives more complaints than average, and scores below 1 mean they receive fewer complaints than average. According to the NAIC, Progressive has a complaint ratio of 1.33. While the company gets slightly more complaints than average, their rate is still significantly lower than Liberty Mutual’s, as indicated by Liberty Mutual’s 3.56 NAIC score.
All auto insurance providers offer standard coverages, including liability insurance, comprehensive and collision insurance, uninsured motorist insurance and personal injury protection. Many companies also provide supplementary or add-on coverage you can mix and match to meet your needs.
Both Liberty Mutual and Progressive offer rental car reimbursement, roadside assistance, accident forgiveness, deductible modification and gap insurance coverage options. Progressive also has custom parts coverage and rideshare insurance. Liberty Mutual offers many other coverages, including new car or better car replacement, auto death indemnity coverage, disability coverage and OEM coverage. The company’s extensive collection of coverage options make Liberty Mutual the clear winner in this category.
Coverage | Available With Liberty Mutual? | Available With Progressive? |
|---|---|---|
Rental Car and/or Travel Reimbursement | ✔ | ✔ |
Roadside Assistance | ✔ | ✔ |
New Car Replacement | ✔ | |
Accident Forgiveness | ✔ | ✔ |
Better Car Replacement | ✔ | |
Deductible Modification | ✔ | ✔ |
Auto Death Indemnity Coverage | ✔ | |
Disability Coverage | ✔ | |
Gap Insurance | ✔ | ✔ |
Original Equipment Manufacturer (OEM) Coverage | ✔ | |
Rental Car and/or Travel Reimbursement | ✔ | ✔ |
Roadside Assistance | ✔ | ✔ |
Custom Parts Coverage | ✔ | |
Accident Forgiveness | ✔ | ✔ |
Deductible Modification | ✔ | ✔ |
Rideshare Insurance | ✔ | |
Gap Insurance | ✔ | ✔ |
Financial stability is an important factor in choosing a car insurance company because it attests to a company’s ability to pay out valid claims. Like most large insurance companies, Liberty Mutual and Progressive are both financially stable. To determine which wins out in this category, MoneyGeek compared the two companies’ AM Best ratings. According to AM Best, Progressive is slightly more stable, with an A+ rating, while Liberty Mutual received an A.
Progressive has the best online tools of these two insurance giants, making it MoneyGeek's winner in this category. The Name Your Price tool allows you to decide how much you want to pay for car insurance and adjust coverages to fit that price.
Both companies offer a useful selection of online tools to help customers manage their policies. Liberty Mutual has a quick online application process, and customers can file claims and pay their bills online. Progressive features a handy mobile app as well as 24/7 customer service.
Liberty Mutual and Progressive were analyzed by MoneyGeek based on affordability, coverages, service, financial stability and online tools.
Customer satisfaction and complaints data were drawn from J.D. Power surveys and the National Association of Insurance Commissioners (NAIC). Financial strength was based on ratings from A.M. Best, an insurance credit rating agency.
The MoneyGeek team compiled data on available coverages and discounts for each insurer. Quotes were compiled from hundreds of ZIP codes across the country for a sample car insurance policy for a 40-year-old male. The policy covers:
About Mandy Sleight
Mandy Sleight is a licensed property, casualty, life and health insurance agent with 20 years of experience in the industry. She has worked for major insurance companies like State Farm and Nationwide, and most recently as the Operations Coordinator for a startup employee benefits company.
Sleight holds a business administration and management degree from the University of Baltimore and a master's in business administration from Southern New Hampshire University. She uses her vast knowledge of insurance and personal finance to create easy-to-understand and engaging content to help readers make smarter choices with their budgets and finances.
