Liberty Mutual vs. Progressive: Which Car Insurance Is Cheaper?
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UPDATED: Jun 4, 2021
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- 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 not as positive as Progressive reviews
You have a lot of choices when it comes to auto insurance companies, and comparing them side by side can help you narrow down your options.
In this guide, we’ll look at the pros and cons of Liberty Mutual vs. Progressive car insurance companies. Which company will provide the best and cheapest car insurance for you?
We’ll compare rates, discounts, financial ratings, and customer satisfaction ratings and discuss affordable Liberty Mutual vs. Progressive car insurance quotes.
Before jumping into this Liberty Mutual vs. Progressive car insurance review, enter your ZIP code to see quotes from multiple companies in your area.
Is Liberty Mutual car insurance or Progressive car insurance cheaper?
You may be surprised to learn all of the factors that car insurance companies use to determine your rates, such as your age, gender, marital status, driving history, and credit score.
All of these factors will determine how affordable Liberty Mutual vs. Progressive car insurance is for you. Since everyone is different, rates will vary.
First, let’s look at Liberty Mutual vs. Progressive car insurance rates by demographics. Younger drivers are usually charged much higher rates because they lack experience, but you might not realize just how much your age affects your rates.
|Age, Gender, and Marital Status||Liberty Mutual Average Annual Rates||Progressive 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|
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 when you have accidents, tickets, or DUIs than if you have a clean driving record.
|Driving Record||Liberty Mutual Average Annual Rates||Progressive Average Annual Rates|
|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|
You can save thousands of dollars by choosing Progressive over Liberty Mutual, no matter what’s on your driving record.
You may also be surprised to hear that your car insurance rates are influenced by your credit score.
Insurance companies believe that you are less likely to file a claim and more likely to pay for damages out of pocket if you have a good credit score.
|Credit History||Liberty Mutual Average Annual Rates||Progressive Average Annual Rates|
Once again, Progressive is significantly cheaper than Liberty Mutual, especially if you have bad credit.
You may live in a state such as California where basing car insurance on credit score is illegal. Check out our car insurance by state page before judging Liberty Mutual vs. Progressive car insurance rates based on credit score alone.
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Does Liberty Mutual or Progressive have better car insurance discounts?
You can significantly lower your rates if you add car insurance discounts to your policy.
Most companies offer discounts based on the number of cars you have, your job, and if you are a safe driver, and they even let you bundle them for more savings.
This table shows you the available discounts from 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.
|Auto Insurance Discounts||Liberty Mutual (%)||Progressive (%)|
|Adaptive Cruise Control||5||x|
|Daytime Running Lights||5||x|
|Electronic Stability Control||5||x|
|Forward Collision Warning||5||x|
|Lane Departure Warning||x||x|
|New Customer/New Plan||x||N/A|
|Students & Alumni||10||N/A|
While the two 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.
Be sure to ask about other discounts by calling the Liberty Mutual insurance phone number or Progressive insurance phone number.
If you are a food delivery driver, you’ll need more coverage, so consider going with Liberty Mutual or Progressive commercial car insurance.
When you compare Liberty Mutual vs. Progressive quotes, take into account any discounts that might apply.
How do Liberty Mutual and Progressive compare in financial strength and customer satisfaction?
A.M. Best ranks insurance companies based on financial stability. Liberty Mutual received an A rating, meaning it has an excellent ability to meet its obligations.
Progressive earned an A+ rating, demonstrating a superior ability to meet its obligations.
Both companies also received an A+ rating from the Better Business Bureau, but Liberty Mutual is accredited and Progressive is not. Something to keep in mind when deciding to buy Liberty Mutual vs. Progressive car insurance.
J.D. Power ranked both Liberty Mutual and Progressive on customer satisfaction, taking into account prices, billing, claims, and what is offered.
Liberty Mutual ranked at or below average, while Progressive ranked average in most regions.
Customers can view their insurance records, locate their ID cards, and pay bills using their Liberty Mutual login or Progressive login on the Liberty Mutual or Progressive app.
You can also get this information using the Liberty Mutual customer service number and Progressive 1-800 numbers.
Choosing between Liberty Mutual vs. Progressive car insurance can be a difficult decision. To determine if either is right for you, look at rates, discounts, and ratings.
You can also compare additional companies to see which one is the best fit.
Don’t limit your comparison shopping to Liberty Mutual vs. Progressive car insurance. Enter your ZIP code to start comparing multiple car insurance companies in your area.
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