Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Jul 29, 2021

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Key Takeaways

  • Progressive car insurance is cheaper than Liberty Mutual
  • Liberty Mutual has an A rating with A.M. Best, and Progressive has an A+ rating
  • Both companies have an A+ rating with the Better Business Bureau

It can be difficult to determine which car insurance companies can offer you the coverage and rates you want. We will compare Liberty Mutual vs. Progressive car insurance companies to see if either is right for you.

The good news is that you don’t just have to choose between Liberty Mutual vs. Progressive. There are many companies out there, so compare rates, discounts, and ratings to find your best fit.

Keep reading to learn all you need to know about Liberty Mutual vs. Progressive car insurance. Before you start, enter your ZIP code now to compare car insurance quotes from multiple companies near you for free.

Is Liberty Mutual or Progressive car insurance cheaper?

How your car insurance rates are calculated may seem like a mystery, but most auto insurance companies take the same basic factors into consideration, such as your age, gender, marital status, driving record, and credit score.

We’ll look at these factors to determine how affordable Liberty Mutual vs. Progressive car insurance is for you.

First, we’ll look at average annual Liberty Mutual vs. Progressive car insurance rates based on age, gender, and marital status.

Liberty Mutual vs. Progressive Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusLiberty Mutual Average Annual RatesProgressive Average Annual Rates
Single 17-year-old female$9,875.56$8,625.44
Single 17-year-old male$12,181.54$9,467.29
Single 25-year-old female$3,287.35$2,574.87
Single 25-year old male$3,502.13$2,735.72
Married 35-year-old female$3,085.88$2,176.32
Married 35-year-old male$3,179.88$2,087.50
Married 60-year-old female$2,706.04$1,908.06
Married 60-year-old male$3,088.10$1,900.18
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Progressive auto insurance is cheaper than Liberty Mutual regardless of age, gender, or marital status.

It’s no surprise that your driving record affects your car insurance rates. Drivers with tickets, accidents, and DUIs will pay more than drivers with a clean driving record.

Liberty Mutual vs. Progressive Average Annual Rates Based on Driving Record
Driving RecordLiberty Mutual Average Annual RatesProgressive Average Annual Rates
Clean record$4,774.30$3,393.09
With 1 accident$6,204.78$4,777.04
With 1 DUI$7,613.48$3,969.65
With 1 speeding violation$5,701.26$4,002.28
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Liberty Mutual is much more expensive than Progressive regardless of your driving history.

It might surprise you to learn that your credit score can affect your car insurance rates. Car insurance companies think that you are less likely to file a claim if you have a higher credit score.

Liberty Mutual vs. Progressive Average Annual Rates Based on Credit History
Credit HistoryLiberty Mutual Average Annual RatesProgressive Average Annual Rates
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Progressive is once again your cheaper option, no matter your credit score. It should be noted that some states don’t allow your credit score to be used when your rates are calculated.

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Does Liberty Mutual or Progressive have better car insurance discounts?

Car insurance discounts are an easy way to lower your car insurance rates. Most companies offer a variety of discounts, so you should be able to find some that work for you. And many companies allow you to combine those discounts for greater savings.

This table shows you the Liberty Mutual and Progressive car insurance discounts available. If the amount of the discount is known, it is listed.

Liberty Mutual vs. Progressive Available Car Insurance Discounts
Car Insurance DiscountsLiberty Mutual (%)Progressive (%)
Adaptive Cruise Control5x
Adaptive Headlights5x
Anti-lock Brakes5x
Claim Freexx
Continuous CoverageN/Ax
Daytime Running Lights5x
Defensive Driver1010
Distant StudentN/Ax
Driver's Ed1010
Driving Device/App3020
Early SigningN/Ax
Electronic Stability Control5x
Family LegacyN/Ax
Federal Employee10N/A
Forward Collision Warning5x
Full Payment$5x
Further Education10N/A
Good CreditN/Ax
Good Student22.5x
Green Vehicle10N/A
Lane Departure Warningxx
Low Mileagexx
Multiple Policies2012
Multiple Vehicles1010
New Address5N/A
New Customer/New PlanxN/A
New Graduate5N/A
Newer VehicleN/Ax
Newly Licensed5N/A
Online ShopperN/A7
Paperless DocumentsN/A$50
Paperless/Auto Billingxx
Passive Restraintxx
Recent Retirees4N/A
Safe DriverN/A31
Stable ResidenceN/Ax
Students & Alumni10N/A
Switching Provider10x
Vehicle Recovery35x
VIN Etching5x
Young Driverxx
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As you can see, Liberty Mutual and Progressive offer many of the same discounts. However, there are some differences.

For example, Liberty Mutual offers a military discount, and Progressive does not. Progressive, on the other hand, offers a safe driver discount, and Liberty Mutual does not.

Discounts can make a big difference in your rates, so be sure to take them into account when comparing Liberty Mutual vs. Progressive car insurance quotes.

How do Liberty Mutual and Progressive compare in financial strength and customer satisfaction?

Ratings are also important when choosing a car insurance company. You need to know that you can depend on your insurance company when you need them.

A.M. Best rates companies on their financial stability. Liberty Mutual received an A rating, showing an excellent ability to meet financial obligations. Progressive received an A+, showing a superior ability to meet obligations.

When it comes to the Better Business Bureau (BBB), both Liberty Mutual and Progressive received an A+ rating. However, Liberty Mutual is accredited and Progressive isn’t.

J.D. Power scores companies based on customer satisfaction, taking into account billing, pricing, services offered, and how claims are handled. In most regions, Liberty Mutual scored at or below average, and Progressive scored average.

Liberty Mutual vs. Progressive: The Bottom Line

Each company offers an easy-to-use website and mobile app. With your Liberty Mutual or Progressive auto insurance login, you can access your policy, pay bills, and even file a claim.

Liberty Mutual and Progressive also offer other products and services. For example, you can get Liberty Mutual or Progressive roadside assistance and accident forgiveness.

Both companies also sell other types of insurance. You can find Progressive or Liberty Mutual motorcycle insurance, renters insurance, or even boat insurance just to name a few.

With both Progressive and Liberty Mutual, canceling your policy is easy. You can call Progressive at (888) 671-4405 and Liberty Mutual at (800) 290-8711.

To learn more about each company, read our Liberty Mutual car insurance review and our Progressive car insurance review.

While you might have a hard time choosing whether to buy Liberty Mutual or Progressive car insurance, don’t forget that there are more companies to choose from.

We hope you’ve learned all you need to know about Liberty Mutual and Progressive. Enter your ZIP code now to compare free car insurance quotes from companies in your area.