Liberty Mutual vs. Progressive Auto Insurance (2021)

Choosing between Liberty Mutual vs. Progressive auto insurance is difficult, so we examine Liberty Mutual vs. Progressive auto insurance rates by age, driving record, and credit score for you. Progressive quotes are cheaper than Liberty Mutual rates on all of our comparison points, but Liberty Mutual has a greater variety of discounts.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 21, 2021

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Things to Remember

  • Progressive is cheaper than Liberty Mutual across the board
  • Progressive has a slightly higher financial rating than Liberty Mutual
  • Liberty Mutual reviews for customer satisfaction are lower than Progressive reviews

Both Liberty Mutual and Progressive are on the list of the top 10 best auto insurance companies, but which company is the best option based on your personal characteristics?

We’ll compare Liberty Mutual vs. Progressive auto insurance rates based on age, driving record, and credit history to see which one can give you a better deal.

We’ll also compare available discounts and ratings from agencies with a credible and trustworthy view of Liberty Mutual vs. Progressive auto insurance companies.

Keep reading to find affordable Liberty Mutual vs. Progressive auto insurance quotes, or enter your ZIP code to compare quotes from multiple companies in your area.

Is Liberty Mutual auto insurance or Progressive auto insurance cheaper?

You may be surprised to learn all of the factors that auto insurance companies use to determine your rates. Common factors include your age, gender, marital status, driving history, and credit score.

All of these factors will determine how affordable Liberty Mutual vs. Progressive auto insurance is for you. Since everyone is different, rates will vary.

First, we’ll look at Liberty Mutual vs. Progressive auto insurance rates by demographics. Younger drivers are usually charged much higher rates because they lack experience, but you might not know just how much your age affects your rates.

Liberty Mutual vs. Progressive Average Annual Auto Insurance Rates by Age
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 insurance is much cheaper regardless of your age, gender, or marital status.

Your driving record is another significant factor that car insurance companies consider when determining your rates. You will pay more for your policy if you have accidents, tickets, or DUIs than if you have a clean driving record.

Liberty Mutual vs. Progressive Average Annual Auto Insurance Rates by 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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You can save thousands of dollars by choosing Progressive over Liberty Mutual, no matter what is on your driving record.

You may also be surprised to hear that your auto insurance rates are influenced by your credit score. Insurance companies believe that you are less likely to file a claim and are more likely to pay for damages out of pocket if you have a higher credit score.

Liberty Mutual vs. Progressive Average Annual Auto Insurance Rates by Credit History
Credit HistoryLiberty Mutual Average Annual RatesProgressive Average Annual Rates
Good$4,388.18$3,628.85
Fair$5,604.24$3,956.31
Poor$8,802.22$4,737.64
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Once again, Progressive is significantly cheaper than Liberty Mutual, especially if you have bad credit.

Keep in mind that if you are a food delivery driver, you will need to purchase Liberty Mutual or Progressive commercial auto insurance.

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Does Liberty Mutual or Progressive have better auto insurance discounts?

You can significantly lower your rates if you add auto insurance discounts to your policy. Many companies offer discounts for things like safe driving, being a student, and having multiple vehicles, and you can bundle these discounts for more savings.

This table shows you the available discounts through Liberty Mutual and Progressive. If the amount of the discount is known, it is included. Take a look and see which company offers you the most discounts.

Liberty Mutual vs. Progressive Auto Insurance Discounts
Auto Insurance DiscountsLiberty Mutual (%)Progressive (%)
Adaptive Cruise Control5x
Adaptive Headlights5x
Anti-lock Brakes5x
Anti-Theft20x
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
Homeownerxx
Lane Departure Warningxx
Low Mileagexx
LoyaltyN/Ax
Marriedxx
Membership/Group10N/A
Military4N/A
Multiple Policies2012
Multiple Vehicles1010
New Address5N/A
New Customer/New PlanxN/A
New Graduate5N/A
Newer VehicleN/Ax
Newly Licensed5N/A
Newlyweds5N/A
Occupation10N/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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While both companies offer many of the same discounts, there are some differences. For example, Liberty Mutual offers a military discount and Progressive does not. On the other hand, Progressive offers a continuous coverage discount and Liberty Mutual doesn’t.

You can also call the Liberty Mutual customer service number or Progressive customer service number to ask about additional discounts when you get your Liberty Mutual and Progressive quotes.

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

A.M. Best ranks companies based on how financially stable they are. Liberty Mutual received an A rating, which represents an excellent ability to meet financial obligations. Progressive earned an A+ rating, representing a superior ability to meet obligations.

Both companies also received an A+ rating from the Better Business Bureau, but Liberty Mutual is accredited while Progressive is not.

J.D. Power ranked both Liberty Mutual and Progressive on customer satisfaction, including prices, billing, claims, and what is offered. Liberty Mutual ranked at or below average, while Progressive ranked average in most regions.

Does Liberty Mutual or Progressive have the better mobile app?

Both companies offer an easy-to-use website, and the Liberty Mutual and Progressive apps allow customers to access their accounts at any time. Usually, your Liberty Mutual login or Progressive login will work with both the general app and telematics app.

You can even file a Liberty Mutual insurance claim or request Progressive roadside assistance using the apps. You can also call the main Progressive or Liberty Mutual insurance phone numbers when you need roadside assistance or help with a claim.

Before you choose between Liberty Mutual vs. Progressive auto insurance, enter your ZIP code to compare quotes from multiple car insurance companies in your area.

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