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.
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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 review | Liberty Mutual review | Progressive 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.
Minimum-coverage car insurance rates are nearly the same for both companies. Progressive is only a few cents cheaper than Liberty Mutual.
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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.
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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 |
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? | No | Yes |
| Driving score factors | Acceleration, braking, nighttime driving and total miles driven | Handheld 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 |
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 | $102 |
| Progressive | $158 |
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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 |
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 |
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 | 819 | 819 |
| J.D. Power Home Study | 806 | 821 |
| NAIC complaint index | 1.65 | 1.15 |
| AM Best financial strength rating | A | A+ |
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 deductible | Waived | $500 |
| Glass deductible | Waived | $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.