Both Liberty Mutual and Progressive made our list of the best car insurance companies in the nation. In this head-to-head review, we compare Liberty Mutual vs. Progressive by looking at coverage, cost, customer reviews, and the quotes and claims processes to help you determine which provider is best for you. For a look at the individual providers, read our full Progressive insurance review and Liberty Mutual insurance review.

To start comparing personal auto insurance quotes from Liberty Mutual, Progressive, and other major car insurance providers, enter your zip code above.

 

In this article:

 


 

An Overview Of Liberty Mutual And Progressive

Liberty Mutual and Progressive are both national car insurance providers that offer standard coverage with optional add-ons. The insurance companies are about equal when it comes to cost and discounts, as well as quotes and claims processing. While Liberty Mutual performs better in terms of available coverage, Progressive has better ratings and customer reviews and is our overall recommended provider when it comes to Liberty Mutual vs. Progressive.

The table below outlines our ratings for both insurers, but there’s more to this comparison than numbers. Keep these highlights in mind while you compare Liberty Mutual vs. Progressive car insurance in detail.

Factors

Liberty Mutual

Progressive

Superlative

Best for Teens

Best for High-Risk Drivers

Availability

50 states

50 states

Overall Rating

4.0

4.5

Coverage

4.5

4.0

Cost

3.5

3.5

Customer Service

3.5

3.5

AM Best Financial Strength Rating

A

A+

J.D. Power Claims Satisfaction Score

867/1,000

856/1,000

Mobile App Google Play Rating

4.7

4.3

 

 


 

Liberty Mutual Vs. Progressive: Coverage

When it comes to auto insurance coverage, both Liberty Mutual and Progressive have a lot to offer. You can get important coverage like accident forgiveness and guaranteed asset protection (GAP) insurance with either company, but some types of auto insurance are specific to either Liberty Mutual or Progressive.

Coverage Options

Liberty Mutual

Progressive

Bodily Injury Liability (BI)

Property Damage Liability (PD)

Collision Insurance

Comprehensive Car Insurance

Personal Injury Protection (PIP)

Medical Payments (MedPay)

Uninsured/Underinsured Motorist (UM/UIM)

Roadside Assistance

Rental Car Reimbursement

Accident Forgiveness

GAP Insurance

Liberty Mutual Deductible Fund®

 

Teachers Car Insurance

 

Mexico Tourist Car Insurance

 

New Car Replacement

 

Better Car Replacement

 

Lifetime Repair Guarantee

 

Original Parts Replacement

 

Rideshare Insurance

 

Custom Parts and Equipment Value (CPE)

 

Deductible Savings Bank

 

 

Standout Coverage From Liberty Mutual

  • Lifetime repair guarantee: After an accident, Liberty Mutual will make arrangements for your repairs, and those repairs will be guaranteed for as long as the vehicle is in your possession.
  • Teachers car insurance: This type of insurance is exclusively available to people who are employed as full-time teachers or professors. It is provided at no additional cost on top of existing car insurance coverage and includes personal property protection and more.

Standout Coverage From Progressive

  • Custom parts and equipment value: Progressive’s CPE insurance covers any aftermarket installations to your car, including paint jobs, stereos, and more. If your new stereo is stolen out of your car, Progressive will help you pay to replace it.
  • Rideshare insurance: If you drive for Uber, Lyft, or another ridesharing service, you’ll want this coverage. Rideshare insurance covers you and your passengers for medical bills after an accident, emergency roadside assistance, and rental car reimbursement.

Which Insurer Has The Best Coverage?

When you compare Liberty Mutual vs. Progressive, Liberty Mutual offers more choices for auto insurance coverage. However, certain specialty insurance coverage options like teacher's car insurance and Mexico car insurance won’t apply to all drivers. Be sure to consider the types of coverage that you would actually use.

 


 

Liberty Mutual Vs. Progressive: Cost And Discounts

The cost of your car insurance policy depends on many things, including your location, age, marital status, and ultimately, which provider you choose. When we researched the cost of Liberty Mutual vs. Progressive, we found that the auto insurance companies have similar price points.

To get a better sense of how much you would personally pay for auto insurance, we recommend looking at the discounts you would qualify for. Here’s a snapshot of the discount offers from Liberty Mutual and Progressive.

Available Discounts

Liberty Mutual

Progressive

Multiple Vehicle

Multiple Policy

Good Student

Safe Driver

Military

Anti-Theft

Continuous Insurance

Teen Driver

Student Away At School

Homeowner

Pay in Full

Automatic Payment

Online Purchase

Sign Online

Paperless

Driver Training

 

Vehicle Safety

 

Accident-Free

 

Early Shopper

 
 

It’s clear from the get-go that Liberty Mutual offers more discounts than Progressive. So let’s look into some of the finer details.

Liberty Mutual has a few discounts you could be eligible for depending on your car’s safety features. If you have a newer car with anti-lock brakes or anti-theft technology, you could be looking at savings on your auto insurance policy.

Both auto insurers have accident forgiveness, but Progressive’s accident forgiveness can be separated into two different offerings. Small accident forgiveness is applied to every customer’s policy at no extra cost as soon as they join Progressive. It covers claims that are less than $500. Large accident forgiveness is available after you have been with Progressive for five years and accident-free for three years.

When it comes to usage-based insurance, you may have a difficult time choosing between Liberty Mutual vs. Progressive. Liberty Mutual’s RightTrack® and Progressive’s Snapshot® are mobile app-based programs that monitor your driving habits to help you save on car insurance. Data collected by Snapshot will never increase your rates – it can only qualify you for discounts.

If you currently have a policy with one of these providers for a different insurance product, such as renters or home insurance, and are exploring your options for car insurance, we encourage you to stick with your provider. Both companies are excellent choices and offer a discount for bundling multiple policies. 

 


 

Liberty Mutual Vs. Progressive: Quotes And Claims

Both Liberty Mutual and Progressive offer online and over-the-phone options for potential customers looking for free, no-obligation quotes. One thing that puts Progressive ahead of Liberty Mutual is the Name Your Price® tool. To use this tool, customers input how much they want to pay for your car insurance, then are matched with coverage to fit their desired budget.

In terms of overall satisfaction with the auto insurance quotes process, Liberty Mutual pulls ahead according to the J.D. Power 2020 Insurance Shopping StudySM. The auto insurer earned a score of 853 out of a possible 1,000, while Progressive earned 848.

Both auto insurance companies have convenient processes for filing claims. Customers can file and track claims online, by speaking with a representative over the phone, or through a mobile app.

According to the J.D. Power 2020 Auto Claims Satisfaction Study, Liberty Mutual is slightly better than Progressive in terms of satisfaction with the claims process. Liberty Mutual earned 867 out of a possible 1,000 points in the study, and Progressive earned 856. These numbers were based on responses from thousands of car insurance customers who settled claims in 2020.

To get started comparing free quotes from Liberty Mutual vs. Progressive, use our easy tool below.

 

 


 

Liberty Mutual Vs. Progressive: Ratings And Reviews

We gave you our take on coverage and cost. Now let’s see what other industry experts have to say about Liberty Mutual and Progressive.

Nationally Recognized Rating

Liberty Mutual

Progressive

Better Business Bureau (BBB) Rating

A+

A-

AM Best Financial Strength Rating

A

A+

 

With scores like these from the BBB and AM Best, we know that each company has sound business practices, and both are financially stable enough to pay out claims. But Progressive is slightly ahead.

Another rating to consider is the J.D. Power 2020 Auto Insurance StudySM, which measures overall customer satisfaction by region. We recommend seeing how each insurer stacks up in your location to gain a better understanding of the customer experience between Liberty Mutual vs. Progressive. All ratings below are based on a 1,000 point scale.

Region

Liberty Mutual

Progressive

California

786

823

Central

842

849

Florida

837

834

Mid-Atlantic

816

828

New England

813

819

New York

832

825

North Central

816

824

Northwest

817

821

Southeast

822

848

Southwest

816

803

Texas

837

848

 

On average, we can see that Progressive gains ground in more regions than Liberty Mutual. However, the only number that should matter to you is the one where you live.

 


 

Liberty Mutual and Progressive Customer Reviews

It’s important to consider customer reviews as well when deciding which auto insurance company you want to underwrite your policy. Here is a sampling of positive and negative reviews for each provider.

Liberty Mutual Reviews

“A very solid company. The people are very kind and considerate, and they treat you like a human being and not a policy.” 

- Debra S. via BBB

“I've been with Liberty Mutual for 10+ years for my car and [homeowners insurance]. I've never used the insurance for anything. Recently, I had to use the roadside assistance in my Liberty Mutual policy. The experience was horrible, requiring 8 calls, averaging 15 minutes per call, 2 tow companies, 2 escalations, and 1.5 days to tow my car 4.6 miles.” 

- Mark D. via BBB

Progressive Reviews

“I was in [a] car accident and was treated with great care and respect. I got the coverage I was due in a timely manner. And I can't say enough about the representative in Fort Collins, Colorado, who was incredibly kind and helpful.” 

- Karen G. via BBB

“I was recently hit by a [driver] with Progressive insurance, and this agency [is] very unprofessional and is refusing to cover the damages on my vehicle. I have been assigned with multiple adjusters along with delayed replies.” 

- Ava A. via BBB

 


 

Final Thoughts On Liberty Mutual Vs. Progressive

Liberty Mutual and Progressive are both highly regarded auto insurance providers that offer a wide range of discounts and receive high marks from industry experts and customers alike. While Liberty Mutual offers more extensive coverage options, Progressive rates slightly higher in customer satisfaction.

Category

Winner

Coverage

Liberty Mutual

Cost And Discounts

Tie

Quotes And Claims Processes

Tie

Ratings And Customer Reviews

Progressive

Overall

Progressive

 

It’s a close race between Liberty Mutual vs. Progressive, but in the end, we think Progressive is a slightly better choice for car insurance. That said, both auto insurance companies have pros and cons that make each uniquely beneficial for different groups. We recommend getting free quotes from both so you can compare your own coverage and price. You can get started below.

 

 


 

More Recommendations For Auto Insurance

We recommend drivers considering Liberty Mutual and Progressive also look into Geico and USAA auto insurance.

Geico Insurance logo

Geico: Best Overall Provider

In our Geico review, we named the provider best overall in the nation for its low car insurance rates and excellent customer service.

Geico offers standard car insurance coverage similar to other providers, as well as roadside assistance, rental car reimbursement, and mechanical breakdown insurance. Plus, Geico offers some great discounts like:

  • Good driver discount: Remain accident-free for five years and save on your car insurance. Some Geico customers save up to 26 percent.
  • Military discount: If you’re a member of the military, you could get up to 15 percent off your car insurance, and if you’re deployed, you could save up to 25 percent.
  • Federal employee discount: Federal employees are eligible for discounts.

USAA Insurance logo

USAA: Best For Military

While we didn't name USAA the best overall provider in our USAA auto insurance review, it is our highest-rated insurer, earning a full 5.0 out of 5.0 stars. Like Geico, it offers low rates to its customers, but you must be a member of the military, veteran, or the immediate family member of someone in the military to qualify for USAA coverage. If you are eligible, the insurer offers several money-saving opportunities, such as:

  • Family discount: Receive insurance premium reductions if you have family members with a USAA policy.
  • New vehicle discount: If your vehicle is less than three years old, it is eligible for this discount.
  • Premier driver discount: Those with good driving records for five years receive reduced policy rates.
 

 


 

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

 

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