Liberty Mutual vs. Progressive Car and Home Insurance

Drivers will find cheaper car insurance quotes from Progressive, while Liberty Mutual has better home insurance rates.

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
icon
It's free, simple and secure.

Although Progressive has cheaper auto insurance rates, Liberty Mutual offers drivers more discounts and coverage options.

Homeowners insurance from Liberty Mutual is better than Progressive across the board. Liberty has cheaper home insurance rates, more comprehensive coverage and lots of discounts.

While Progressive's customer service reviews are slightly better than Liberty Mutual's, neither company offers a stellar service experience. For dependable customer service, consider buying car or home insurance elsewhere.


Best for
Liberty Mutual
Progressive
Car insurance rates
Home insurance rates
Coverage
Discounts
Customer service
Editor's rating
Our full reviewLiberty Mutual reviewProgressive review

Liberty Mutual vs. Progressive car insurance

Liberty Mutual vs. Progressive car insurance quote comparison

Progressive offers cheaper car insurance rates than Liberty Mutual for most drivers.

Full-coverage car insurance from Progressive is $42 per month cheaper than a policy from Liberty Mutual.

Minimum-coverage car insurance rates are nearly the same for both companies. Progressive is only a few cents cheaper than Liberty Mutual.

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

Drivers with a speeding ticket on their records will also find cheaper rates with Progressive. A full-coverage policy from Progressive is $63 per month cheaper than Liberty Mutual for these drivers.

Monthly car insurance quote comparison

Coverage
Liberty Mutual
Progressive
Minimum coverage$71$71
Full coverage$157$115
Speeding ticket$209$145

However, Liberty Mutual offers lots of discounts to help drivers save money on car insurance. In addition, many of Liberty Mutual's discounts are available to all drivers and are easy to get. For example, you can save up to 10% by buying your policy online.


Liberty Mutual vs. Progressive car insurance quotes for young drivers

Young drivers can find cheaper coverage from Progressive than Liberty Mutual.

On average, Progressive costs $81 per month less than Liberty Mutual for an 18-year-old buying minimum coverage.

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

Young drivers shopping for full-coverage car insurance will find affordable rates from Progressive, too. A policy from Progressive costs $238 less per month than coverage from Liberty Mutual.

Monthly car insurance rate comparison

Coverage
Liberty Mutual
Progressive
Minimum coverage$272$190
Full coverage$578$340

Young drivers cause car accidents more than older drivers. That's why they usually pay more for car insurance.

Young drivers can join their parents' insurance policy to save money on car insurance, if it's an option.


Liberty Mutual vs. Progressive car insurance discounts

Liberty Mutual offers drivers more discounts than Progressive.

Many of Liberty Mutual's discounts are also easy to earn. For example, drivers can get an early shopper discount by getting a quote before their current policy expires.

Discount
Liberty Mutual
Progressive
Claims-free discount
Early shopper discount
Membership and employee discounts
Military discount
Pay-per-mile program Available in 17 states
Usage-based program Available in 41 states and Washington, D.C.Available in all states except California
Show All Rows

Liberty Mutual RightTrack vs. Progressive Snapshot

Liberty Mutual and Progressive both offer discounts based on how you drive. You'll save by having good driving habits. The usage-based programs track your driving habits using a cellphone app or plug-in telematics device.

The RightTrack usage-based program from Liberty Mutual is better than Progressive Snapshot.

If you're unsure about your driving habits, Liberty Mutual's program is a better choice for you. That's because Liberty Mutual won't raise your rates if you have bad driving habits. On the other hand, 2 out of 10 drivers who sign up for Progressive Snapshot see an increase in their rates. Liberty Mutual also doesn't track handheld phone use.

Liberty Mutual RightTrack
Progressive Snapshot
Availability 41 states and Washington, D.C. 49 states and Washington, D.C.
Discount 5% to 30% $47 sign-up discount and $146-per-year performance discount, on average
Can rates go up?NoYes
Driving score factorsAcceleration, braking, nighttime driving and total miles drivenHandheld phone use, hard braking, fast starts, amount of time driven, time and day of trips

Although RightTrack is available in fewer states than Snapshot, you can get a bigger discount with Liberty Mutual.

Liberty Mutual also has a program where you pay for insurance based on how much you drive. The pay-per-mile program called ByMile is an excellent option for people who have a short commute or don't drive much.

Progressive doesn't currently have a pay-per-mile program.


Liberty Mutual vs. Progressive car insurance coverage

Liberty Mutual offers more coverage options than Progressive.

Some of the most notable are accident forgiveness, new car replacement, mechanical breakdown insurance and teacher car insurance.

Coverage
Liberty Mutual
Progressive
Better car replacement
Lifetime replacement guarantee
Mexico car insurance
New car replacement
Original parts replacement
Teacher car insurance
Custom parts replacement
Show All Rows

Progressive car insurance includes basic coverage options, like liability insurance and medical payments. It also offers a few common add-ons like gap insurance and roadside assistance.


Progressive vs. Liberty Mutual homeowners insurance

Liberty Mutual vs. Progressive home quotes

Liberty Mutual homeowners insurance quotes are 35% cheaper than Progressive.

Liberty Mutual home insurance costs an average of $102 per month. That's 27% cheaper than the national average.

Company
Average monthly cost
Liberty Mutual logo
Liberty Mutual$102
Progressive logo
Progressive$158

Find Cheap Homeowners Insurance Quotes in Your Area

Currently insured?

Liberty Mutual vs. Progressive home insurance discounts

Liberty Mutual also offers homeowners more discounts than Progressive.

Many of Liberty Mutual's discounts are easy to get, like its early shopper and insured-to-value discounts. In addition to common discounts, like bundling, Liberty Mutual has discounts if you own a newly built or renovated home.

Discount
Liberty Mutual
Progressive
Automatic payment discount
Claims-free discount
Insured-to-value discount
New roof discount
Renovated home discount
Safe homeowner discount
Pay-in-full discount
Show All Rows

Progressive vs. Liberty Mutual home insurance coverage

Liberty Mutual home insurance gives you better coverage for your belongings than Progressive.

Homeowners with a lot of jewelry will find Liberty Mutual's blanket jewelry coverage useful. This coverage is unusual because you don't have to get an appraisal for each piece of jewelry you want to protect. Instead, it covers all of your jewelry if it's damaged, lost or stolen. Plus, there isn't a deductible.

Coverage
Liberty Mutual
Progressive
Blanket jewelry coverage
Inflation protection
Personal property replacement cost coverage
Flood insurance
Water backup coverage
Personal injury
Show All Rows

Included

,

Optional


Liberty Mutual vs. Progressive customer service reviews

Progressive customers have a slightly better customer service experience than people insured with Liberty Mutual

However, neither company has outstanding customer service reviews. Both Liberty Mutual and Progressive receive more complaints than average, according to the National Association of Insurance Commissioners (NAIC).

Industry reviewer
Liberty Mutual
Progressive
Editor's rating
J.D. Power Auto Study 819819
J.D. Power Home Study 806821
NAIC complaint index 1.651.15
AM Best financial strength rating AA+

Progressive ranks slightly better than Liberty Mutual on J.D. Power's annual home insurance customer satisfaction survey. However, both companies scored below average on its home and auto surveys. That shows that customers don't find either company's customer service to be exceptional.


Frequently asked questions

Is Liberty Mutual cheaper than Progressive?

Liberty Mutual's home insurance is cheaper than Progressive. But its auto insurance is more expensive. You can use Liberty Mutual's many home and auto insurance discounts to lower your rates.

Does Progressive have 24-hour customer service?

Yes, Progressive's call center is open 24 hours a day. You can speak to Progressive customer service by calling 888-671-4405. Or you can chat or email with Progressive through its website.

Does Progressive offer accident forgiveness?

Yes, Progressive automatically gives most drivers accident forgiveness for small claims less than $500. You can buy large accident forgiveness if you want protection for accidents that cost more than $500. You can also get large accident forgiveness for free after having Progressive for five years without any claims.

Does Liberty Mutual offer roadside assistance?

Yes, Liberty Mutual offers roadside assistance as an optional add-on. Its 24-hour program includes towing, battery jump-start, fuel delivery, flat tire replacement and locksmith services.

Does Progressive offer rental car discounts?

Yes, Progressive's PerkShare program includes discounts to rental car companies, including Enterprise, National and Alamo.

Methodology

To compare car insurance rates, ValuePenguin experts gathered quotes across 10 of the largest cities in Massachusetts. Unless otherwise noted, rates are for a 30-year-old man with a clean driving record with a 2015 Honda Civic EX. Quotes for young drivers are for an 18-year-old man, but all other factors remained the same.

Quotes use slightly higher than the state's minimum coverage requirements due to limits offered by the insurers.

Coverage
Minimum coverage
Full coverage
Bodily injury liability$20,000/$40,000$50,000/$100,000
Property damage liability$10,000$25,000
Uninsured/underinsured motorist bodily injury$20,000/$40,000$50,000/$100,000
Personal injury protection (PIP)$8,000$8,000
Comprehensive and collision deductibleWaived$500
Glass deductibleWaived$100

To compare homeowners insurance rates, our experts collected quotes for homes across five cities in Massachusetts. Rates are for a 45-year-old married man with an average credit score.

Home insurance quotes use the following coverage limits:

Coverage
Limit
Dwelling coverage$353,300 on average
Personal liability$100,000
Medical payments$5,000
Deductible$1,000

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.