Liberty Mutual vs. Progressive

Which car insurance do consumers say is best?

If you’re looking for a national brand to purchase your car insurance from, odds are Liberty Mutual and Progressive are among the options you’re considering. After all, they both rank among the seven largest car insurance companies in the country.

But who do consumers say is better: Liberty Mutual or Progressive? Thanks to thousands of unbiased reviews from consumers who’ve held a policy with one of the companies, we’ve compiled ratings for the most important aspects of companies, including claims service, customer service and price.

Additionally, you can learn more about the discounts and additional features that Liberty Mutual and Progressive Insurance have to offer.

Jump to: Consumer ratings of Liberty Mutual and Progressive

Liberty Mutual vs. Progressive car insurance rates

Which car insurance company offers cheaper car insurance rates, Liberty Mutual or Progressive? While the rates the companies offer will vary by person and location, we've gathered average national rates to provide a comparison of Liberty Mutual and Progressive.

In the table below, compare the average national car insurance rates for Liberty Mutual and Progressive for three different driver profiles for male and female. Keep in mind these are only national averages for a certain profile. Your car insurance rates will differ from these depending on where you live, your unique driver profile and your coverages, among other things.

Driver profile Liberty Mutual average rates Progressive average rates
Male teen $3,199 $2,953
Male adult $2,862 $1,523
Male senior $2,588 $1,190
Driver profile Liberty Mutual average rates Progressive average rates
Female teen $2,625 $2,706
Female adult $2,845 $1,575
Female senior $2,583 $1,143

To determine the average national rates for male and female drivers for Liberty Mutual and Progressive, we created three driver profiles for both males and females and got rates for drivers for each profile. The profiles for male and female drivers were an 18-year-old teen with state minimum coverages and fair credit; a 35-year-old single adult with 100/300/50 liability limits in addition to full coverage with $500 deductibles for collision and comprehensive, a good credit score and one driving violation in the last three years; and a 65-year-old driver with 100/300/50 liability limits in addition to full coverage with $500 deductibles for collision and comprehensive, a good credit score and no driving violations in the last three years. Additionally, we averaged the rates in each state we had data for that company. Rate data is provided by Quadrant Information Services.

Liberty Mutual overview

Liberty Mutual employs more than 50,000 employees worldwide and offers a wide range of insurance products. Aside from car insurance, you can also purchase homeowners, renters, life, business, motorcycle and many other types of insurance. If you’re looking to insure multiple products through the same company, Liberty Mutual does have a multi-policy discount to help you save.

If you’re planning to buy collision coverage, Liberty Mutual has a way for you to lower your deductible over time — at some cost to you. The Liberty Mutual Deductible Fund is essentially a way for you to put aside money over time so you don’t have to come up with your entire deductible at once after an at-fault accident that requires a claim. You can read more about the program here, but in essence, you and Liberty Mutual contribute each year to a fund (up to $100 annually) that’s then used to pay your deductible if you have an at-fault collision.

One potential way you can save with Liberty Mutual is by enrolling in the insurer’s usage-based program, which it calls RightTrack. Liberty Mutual monitors your driving habits, and if it deems you to be a safe driver, you can see savings of up to 30 percent. RightTrack monitors things such as your acceleration, hard braking events, the number of miles you drive, the time of day you drive and rapid acceleration.

Read Liberty Mutual reveiws

Progressive overview

Progressive’s largest focus in the insurance industry is car insurance where it serves more than 18 million drivers. You’ll find other coverages on Progressive’s website, such as homeowners and renters insurance, though these products are sold through non-affiliated insurance companies. But if you’re interested in car insurance through Progressive and want to save money, you can bundle policies with Progressive to earn a discount.

Progressive has a popular usage-based insurance program called Snapshot. By enrolling in Snapshot, Progressive policyholders can earn a discount after six months if they demonstrate safe driving habits while being monitored through the app or an OBD plug-in. One unique aspect about the Snapshot program is that participants can actually have their rate increase if Progressive views them as a risky driver based on their monitored driving habits.

The Ohio-based company is also an option for drivers who work for a transportation network company (TNC), such as Uber or Lyft. Progressive offers rideshare insurance, which covers the gaps between a personal insurance policy and the insurance provided by the TNC.

Another optional coverage available through Progressive is the deductible savings bank. This coverage is just like the name indicates — policyholders with collision and/or comprehensive coverage can have their deductible reduced by $50 every six months they are claim-free. So if a Progressive driver enrolled in the program with a $500 deductible and goes five straight years without a claim, the savings bank would cover the deductible after a claim, rather than the driver being responsible for the deductible out-of-pocket. But keep in mind this is an additional coverage option, meaning you’ll be paying for it.

Read Progressive reveiws

Check out the tables below to see how Liberty Mutual and Progressive stack up against one another.

How do consumers rate Liberty Mutual and Progressive?

What discounts do Liberty Mutual and Progressive offer?

Talk with an agent or visit the company’s website for a comprehensive list of all discounts you may qualify for.

What additional features do Liberty Mutual and Progressive offer?

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