Liberty Mutual vs. Progressive Car Insurance (2022)

This Liberty Mutual vs. Progressive review will compare two great car insurance companies. Liberty Mutual car insurance is best for drivers with good credit, while Progressive car insurance is a better choice for budget-conscious drivers. Progressive is more affordable and has a higher rating with A.M. Best.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 17, 2022

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The Highlights

  • Progressive and Liberty Mutual are among the country’s top car insurance companies and provide insurance in every state
  • Progressive car insurance company and Liberty Mutual car insurance company insure many types of vehicles, homes, properties, and more
  • Liberty Mutual is best for drivers with good credit who prefer a large, financially stable company
  • Progressive is best for drivers looking for coverage on a budget

It’s a good idea to compare insurance companies when looking for insurance rates. Liberty Mutual and Progressive are both top-rated companies in the industry. So, Liberty Mutual vs. Progressive, which is the best company for you?

The best insurance company will be different for customers based on circumstances and need. Compare car insurance companies to find the best fit for you.

Before you learn more about Liberty Mutual vs. Progressive, get free car insurance quotes today when you enter your ZIP code into our comparison tool.

Liberty Mutual vs. Progressive: Coverage Options

Liberty Mutual Insurance is well established in many insurance types. Liberty Mutual covers cars, motorcycles, boats, off-road vehicles, homes, renters, landlords, and more.

Progressive offers insurance coverage for many vehicles, including boats, RVs, motorcycles, and more. Progressive is one of the largest auto insurance companies in America. Though Progressive does offer home, property, and other lines of insurance as well.

Everyone tries to find car insurance discounts to reduce their auto insurance rates. One method to get a discounted rate is by bundling policies.

When you buy more than one policy from Progressive, you can bundle discounts. Buying auto and homeowners insurance together is quite common.

However, Progressive also encourages people to try bundling auto and motorcycle, homeowners and RV, auto and boat, etc.

Liberty Mutual offers bundles for its auto and home insurance policies that will earn you a discount on both policies. The bundling doesn’t only apply to homeowners insurance, but to renters and condo owners as well.

We found no sign that there are bundling discounts for any of the other types of insurance offered by Liberty Mutual.

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Liberty Mutual vs. Progressive: Rates

The average Liberty Mutual car insurance rate varies by location, personal history, and other factors.

Liberty Mutual Rates By State Compared to Average
StateAverage Annual Rates$ Higher/Lower Than State Average% Higher/Lower Than State Average
New Hampshire$8,444.41$5,292.6462.68%
New Jersey$6,766.62$1,251.4018.49%
New York$6,540.73$2,250.8534.41%
North Carolina$2,182.71-$1,210.40-55.45%
North Dakota$12,852.83$8,686.9967.59%
Rhode Island$6,184.12$1,180.7619.09%
South Dakota$7,515.99$3,533.7247.02%
West Virginia$2,924.39$329.0311.25%
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Some states, like Montana and Wyoming, have more affordable rates than the average cost. Other states, like Delaware and Michigan, see higher rates than average.

Now, let’s take a look at a table showing Progressive’s rates in comparison to state averages.

Progressive Average Annual Insurance Rates by State
StateAverage Annual RatesCompared to State Average Rates (+/-)Percentage Change from State Average Rates (+/-)
District of Columbia$4,970.26$531.0210.68%
IdahoNA in State
MinnesotaNA in State
North Carolina$2,382.61-$1,010.50-42.41%
North Dakota$3,623.06-$542.78-14.98%
New Hampshire$2,694.45-$457.32-16.97%
New Jersey$3,972.72-$1,542.49-38.83%
New Mexico$3,119.18-$344.46-11.04%
New York$3,771.15-$518.73-13.76%
Rhode Island$5,231.09$227.734.35%
South Carolina$4,573.08$791.9417.32%
South Dakota$3,752.81-$229.46-6.11%
West VirginiaNA in State
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As you can see, the company is cheaper in 19 states. In fact, in some states, the difference is huge. Look at Michigan, where Progressive is an astounding 95.7 percent cheaper. Finding affordable Progressive car insurance is a definite possibility.

Liberty Mutual vs. Progressive: Discounts Available

Liberty Mutual Insurance provides discounts on car insurance if you:

  • Are a homeowner
  • Are an active, retired, or reserved in the US military
  • Get a quote before your current insurance expires
  • Maintain a GPA of B or better
  • Your child is away at school without your car

Your car can get you more discounts if it has advanced safety features, uses alternative energy, or has anti-theft technology. If you remain accident and violation-free, Liberty Mutual rewards you with discounts.

You may also enroll in Liberty Mutual’s RightTrack program for an initial discount for participation and a final discount of up to 30 percent with good driving behavior.

Finally, your policy qualifies for more discounts with multiple policies and multiple cars. Discounts apply when you enroll in automatic payment and paperless billing, if you pay in full, and when policies are purchased online.

Progressive offers a wide array of discounts as well. There are some discounts for additions to your vehicle, like adaptive headlights and anti-lock brakes. There are also some for having a new or particularly safe vehicle.

A big one to take note of is the safe driver discount. If you have had no tickets or accidents within the past three years, your policy could cost 31 percent less than those who have had tickets or accidents.

You can also use the Progressive app and get Progressive Snapshot. This utilizes customer driving habits data to specialize insurance rates for said customer.

All you have to do is either get the plug-in device or go through the Progressive insurance login steps on the app.

Liberty Mutual vs. Progressive: Insurance Rates by Credit

Credit scores determine your ability to meet your future payment obligations. A poor credit score doesn’t portray a profitable picture for insurance companies.

If you’ve defaulted on payments before, auto insurers would raise your auto insurance rates to cover potential losses due to non-payment. Take a look at the table below to see some examples.

Average Annual Car Insurance Rates by Credit History
Insurance GroupAverage Annual Rates: Poor Credit DriverAverage Annual Rates: Fair Credit DriverAverage Annual Rates: Good Credit Driver
American Family$4,467.98$3,169.53$2,691.74
Liberty Mutual$8,802.22$5,604.24$4,388.18
State Farm$4,951.20$2,853.00$2,174.26
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Your rates can increase if your credit isn’t the best.

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Liberty Mutual vs. Progressive: Insurance Rates by Driver History

Car insurance exists to protect people from risky drivers. So your driving record is a major factor in determining your auto insurance rates. Rates are calculated depending on the type of record on your driving history.

Average Annual Car Insurance Rates by Driving Record
Insurance CompanyClean Record Average Annual RatesWith One Accident Average Annual RatesWith One DUI Average Annual RatesWith One Speeding Ticket Average Annual Rates
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
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Speeding violations and accidents do impact your auto insurance rates. However, most auto insurers penalize those with a DUI (driving under the influence) on their record the most heavily.

Unlike others, Progressive charges higher rates from those who have a speeding violation or accident record than a DUI. For those with a DUI record, Progressive seems like a reasonable option.

Liberty Mutual vs. Progressive: Insurance Rates by Age

Everyone compares auto insurance rates across different providers before making their final decision. It goes without saying that you must consider other factors besides the price and what each insurer offers for the rate they are charging.

A few tips for better, cheaper car insurance include:

  • Check with your insurer about a bundle discount when carrying multiple policies
  • Ask your insurer if they have a resource center that might provide guidance on obtaining discounts
  • Ask about any safe driving discounts
  • Check with your insurance agent for details on any other possible discounts

For example, an insurance company may offer affordable rates for above 30-year-old drivers and higher rates for teenagers. In this situation, if you add a child to your policy, the total payments might become too high.

While selecting a provider, you need to see the quotes in the light of your specific needs, not the cheapest provider at the moment. Finding the best Liberty Mutual car insurance quotes or Progressive car insurance quotes can’t be done without a comparison.

Average Annual Car Insurance Rates by Age, Gender, Marital Status, and Provider
CompanySingle 17-Year-Old Female Average Annual RatesSingle 17-Year-Old Male Average Annual RatesSingle 25-Year-Old Female Average Annual RatesSingle 25-Year-Old Male Average Annual RatesMarried 35-Year-Old Female Average Annual RatesMarried 35-Year-Old Male Average Annual RatesMarried 60-Year-Old Female Average Annual RatesMarried 60-Year-Old Male Average Annual Rates
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89
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As shown in the table, Progressive has Liberty Mutual beat across the board. However, Progressive wouldn’t be a cheap option for single 17-year-old motorists.

For married 35- and 60-year-olds, Progressive offers competitive rates which can be used as a base to start your research for the best provider.

Liberty Mutual vs. Progressive: Car Insurance Claims

If you ever need to file a claim with Liberty Mutual, it only takes 5-10 minutes and some basic details to get started.

Liberty Mutual customer service is available with your online account 24 hours a day, seven days a week, 365 days a year. Head to the Liberty Mutual login page to view your policy, make changes, and get help when you need it.

If you ever need to contact a Liberty Mutual customer service representative then you can:

  • Text questions any time to 80361
  • Call the Liberty Mutual phone number at 1-888-665-2145

Progressive works with customers to make the auto insurance claim process seamless. Here’s how you can report a claim through Progressive:

  • Call its number, 1-800-776-4737
  • Report it online using your Progressive login credentials

After you report an accident, the claims representative at Progressive gets in touch with you within 24 hours. They’ll schedule a vehicle inspection, estimate the cost of repair, and help you with repairs or towing.

If your policy offers a rental vehicle, you can use that service while your vehicle is being repaired.

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Liberty Mutual vs. Progressive: Car Insurance Ratings

How do rating companies rank Liberty Mutual? Some financial strength and customer service ratings for Liberty Mutual are as shown in the table:

Liberty Mutual Financial Strength and Customer Satisfaction Ratings
Ratings AgencyLiberty Mutual Ratings
A.M. BestA
Better Business BureauA-
NAIC Complaint Index6.27
JD PowerClaims Satisfaction 2/5
Shopping Study 3/5
Consumer Reports88
Consumer Affairs2 stars/328 reviews
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Looking at ratings is a good, objective way to determine how good an insurer is. Here are Progressive’s financial strength and customer service ratings:

Progressive Financial Strength and Credit Ratings
Ratings AgenciesProgressive Ratings
AM BestA+
Better Business Bureau (BBB)A
NAIC Complaint Index1.33
J.D. Power - Power Circle RatingsAbout Average
Consumer Reports87
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All in all, it appears that Liberty Mutual is going to run you a higher price tag. This is not to say it is worth glossing over. Liberty Mutual and Progressive both offer many discount programs to lower your car insurance rates. However, Progressive has an A.M. Best rating of A+ (Superior).

When comparing insurers, always ask what they can do for you and your particular situation. Finding cheap Liberty Mutual car insurance rates or Progressive car insurance rates is possible if you do your research.

Now that you know more about Liberty Mutual vs. Progressive, get a start on comparing rates by typing your ZIP code into our helpful and free tool below to find affordable car insurance quotes in your area.

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