Liberty Mutual vs. Progressive Car and Home Insurance
Progressive has cheaper car insurance than Liberty Mutual, but Liberty Mutual is a better choice for home insurance coverage. However, neither company gets good customer service reviews.
Find Cheap Car Insurance Quotes in Your Area
- Progressive is a better choice if you want a cheap car insurance policy and lots of discounts.
- Liberty Mutual has better home insurance coverage options to help you build a customized policy.
- Both Progressive and Liberty Mutual get poor customer service reviews.
Best for | Progressive | Liberty Mutual |
|---|---|---|
| Car insurance rates |
Yes
| |
| Home insurance rates |
Yes
|
Yes
|
| Coverage |
Yes
| |
| Discounts |
Yes
| |
| Customer service |
No
|
No
|
| ValuePenguin rating | 3.5/5
Star Fill
| 3.5/5
Star Fill
|
| Full review | Liberty Mutual review | Progressive review |
Progressive vs. Liberty Mutual car insurance
Progressive has cheaper car insurance rates than Liberty Mutual, but both companies have good coverage and discounts.
| Winner: Progressive |
Liberty Mutual vs. Progressive car insurance rates
Progressive sells cheaper car insurance than Liberty Mutual, at an average of $191 per month for full coverage.
- Progressive's full-coverage car insurance costs less than half as much as full coverage from Liberty Mutual.
- Minimum-coverage car insurance is also cheaper from Progressive, at an average of $139 per month compared to an average of $282 per month from Liberty Mutual.
- Progressive is also cheaper if you have an accident or speeding ticket on your record.
- Your rates depend on factors like your age, where you live, your driving record and the kind of car you have. Shopping around and comparing quotes for your specific situation can help you find the cheapest rate.
Find Cheap Car Insurance Quotes in Your Area
Progressive vs. Liberty Mutual car insurance quote comparison
Coverage | Progressive | Liberty Mutual |
|---|---|---|
| Minimum coverage | $139 | $282 |
| Full coverage | $191 | $385 |
| Speeding ticket | $244 | $494 |
| Accident | $288 | $534 |
Speeding ticket and accident rates are full coverage. All rates are for a 30-year-old man who lives in Atlanta, GA.
Progressive is also a cheaper option for young drivers.
Full coverage for young drivers
$670/mo
$910/mo
Minimum coverage for young drivers
$484/mo
$658/mo
Liberty Mutual vs. Progressive car insurance discounts
Progressive has more car insurance discounts than Liberty Mutual.
Liberty Mutual still offers a wide range of savings, but they probably won't be enough to offset the company's high rates.
Discount | Progressive | Liberty Mutual |
|---|---|---|
| Multipolicy discount |
Yes
|
Yes
|
| Multicar discount |
Yes
|
Yes
|
| Usage-based program |
Yes
|
Yes
|
| Claims-free discount |
Yes
|
Yes
|
| Accident-free discount |
Yes
| |
| Violation-free discount |
Yes
| |
| Continuous insurance discount |
Yes
| |
| Homeowner discount |
Yes
|
Yes
|
| Good student discount |
Yes
|
Yes
|
| Teen driver discount |
Yes
| |
| Student away at school discount |
Yes
|
Yes
|
| Military discount |
Yes
| |
| Early shopper discount |
Yes
| |
| Preferred payment discount |
Yes
|
Yes
|
| Online quote discount |
Yes
| |
| Online buyer discount |
Yes
|
Yes
|
| Paperless discount |
Yes
|
Yes
|
Additional discounts may exist depending on where you live. Check with each company in your area for a complete list of discounts.
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. These usage-based programs, called Liberty Mutual RightTrack and Progressive Snapshot, track your driving habits using a cellphone app or plug-in telematics device.
RightTrack and Snapshot are comparable, but because Progressive is cheaper overall, Snapshot is probably the better program for most people.
Progressive Snapshot | Liberty Mutual RightTrack | ||
|---|---|---|---|
| Availability | 49 states and Washington, D.C. | At least 45 states and Washington, D.C. | |
| Discount | $164 sign-up discount and $328-per-year performance discount, on average | 10%-15% participation discount, then up to 30% based on your driving | |
| Can rates go up? | Yes | Yes | |
| Driving score factors | Acceleration, braking, time of day, speed, miles driven, phone use | Acceleration, braking, time of day, speed, phone usage |
Both programs are available in most states, and they track similar driving factors, like how quickly you brake and accelerate. And both programs carry the risk that your rates could go up if your driving habits aren't safe.
Liberty Mutual vs. Progressive car insurance coverage
Liberty Mutual and Progressive both offer good extra coverage options.
Both companies offer useful add-ons such as accident forgiveness, gap insurance and roadside assistance. And both companies have the typical car insurance coverages you'd expect, including bodily injury liability, property damage liability, comprehensive coverage and collision coverage.
Coverage | Progressive | Liberty Mutual |
|---|---|---|
| Accident forgiveness |
Yes
|
Yes
|
| Roadside assistance |
Yes
|
Yes
|
| Rental reimbursement |
Yes
|
Yes
|
| Gap insurance |
Yes
|
Yes
|
| New car replacement |
Yes
| |
| Better car replacement |
Yes
| |
| Deductible savings fund |
Yes
|
Yes
|
| Original parts replacement |
Yes
| |
| Trip interruption |
Yes
| |
| Custom parts replacement |
Yes
| |
| Rideshare insurance |
Yes
| |
| Vehicle protection |
Yes
| |
| Pet injury |
Yes
| |
| Lifetime replacement guarantee |
Yes
| |
| Mexico car insurance |
Yes
| |
| Teacher car insurance |
Yes
| |
| Bodily injury liability |
Yes
|
Yes
|
| Property damage liability |
Yes
|
Yes
|
| Uninsured and underinsured motorist coverage |
Yes
|
Yes
|
| Comprehensive and collision insurance |
Yes
|
Yes
|
| Personal injury protection |
Yes
|
Yes
|
| Medical payments |
Yes
|
Yes
|
Additional coverage options may exist depending on where you live. Check with each company in your area for a complete list of coverages.
Progressive vs. Liberty Mutual homeowners insurance
Liberty Mutual and Progressive are evenly matched when it comes to home insurance rates, but Liberty Mutual has better coverage options.
|
| Winner: Liberty Mutual |
Progressive vs. Liberty Mutual home insurance rates
Progressive and Liberty Mutual have similar home insurance rates.
- Overall, Progressive may ultimately be cheaper because its quote came with a higher dwelling limit.
- But Liberty Mutual is a better value overall, because it comes with better optional coverages that can help you build a policy that fits your specific needs.
Find Cheap Homeowners Insurance Quotes in Your Area
Progressive vs. Liberty Mutual home insurance quote comparison
Company | Average annual cost | |
|---|---|---|
| Progressive | $2,742 | |
| Liberty Mutual | $2,747 |
Quotes are not exactly comparable because our experts weren't able to manually set the dwelling limit when getting rates. Progressive's dwelling limit is $315,000 while Liberty Mutual's is $278,000.
Liberty Mutual vs. Progressive home insurance discounts
Progressive offers a few more home insurance discounts than Liberty Mutual.
But neither Progressive nor Liberty Mutual offers that many discounts, especially compared to some other companies.
Discount | Progressive | Liberty Mutual |
|---|---|---|
| Multipolicy discount |
Yes
|
Yes
|
| New home discount |
Yes
|
Yes
|
| Newly bought home discount |
Yes
| |
| Renovated home discount |
Yes
| |
| New roof discount |
Yes
| |
| Safety and alarm discounts |
Yes
| |
| Early shopper discount |
Yes
|
Yes
|
| Pay-in-full discount |
Yes
|
Yes
|
| Automatic payment discount |
Yes
| |
| Paperless discount |
Yes
|
Yes
|
| Wind mitigation |
Yes
|
Additional discounts may exist depending on where you live. Check with each company in your area for a complete list of discounts.
Progressive vs. Liberty Mutual home insurance coverage
Liberty Mutual home insurance gives you better coverage options than Progressive.
This can help you build a policy that fits your unique and specific needs, and it's why Liberty Mutual is a better choice for home insurance overall compared to Progressive.
Homeowners with a lot of jewelry may 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 jewelryif it's damaged, lost or stolen. Plus, there isn't a deductible.
As with any home insurance company, you'll be able to get common coverages like dwelling insurance and liability coverage.
Coverage | Progressive | Liberty Mutual |
|---|---|---|
| Water backup coverage |
Yes
|
Yes
|
| Personal property replacement cost coverage |
Yes
| |
| Service line coverage |
Yes
| |
| Home systems and appliance breakdown |
Yes
| |
| Inflation protection |
Yes
| |
| Cyber protection |
Yes
| |
| Blanket jewelry coverage |
Yes
| |
| Personal injury |
Yes
| |
| Dwelling coverage |
Yes
|
Yes
|
| Personal property coverage |
Yes
|
Yes
|
| Personal liability insurance |
Yes
|
Yes
|
| Loss of use coverage |
Yes
|
Yes
|
| Medical payments to others |
Yes
|
Yes
|
Additional coverages may exist depending on where you live. Check with each company in your area for a complete list of coverages.
Progressive vs. Liberty Mutual customer service reviews
Neither Progressive nor Liberty Mutual has great customer service.
Liberty Mutual has better auto claims service than Progressive, but Progressive has better service for home claims. However, both companies tend to get below-average scores elsewhere. If you know anyone in your area with a Liberty Mutual or Progressive policy, it could be a good idea to chat with them about their experience before you buy.
Industry reviewer | Progressive | Liberty Mutual |
|---|---|---|
| ValuePenguin rating | 3.5/5
Star Fill
| 3.5/5
Star Fill
|
| J.D. Power Auto Study | 627 | 619 |
| J.D. Power Auto Claims Study | 673 | 730 |
| J.D. Power Home Study | 659 | 608 |
| NAIC auto complaint index | 0.75 | 0.96 |
| NAIC home complaint index | 1.81 | 0.93 |
| AM Best financial strength rating | A+ | A |
Frequently asked questions
Is Liberty Mutual cheaper than Progressive?
No, Liberty Mutual is not cheaper than Progressive. For car insurance, Progressive is almost always a cheaper choice based on average rates. Both companies have similar home insurance rates. But remember that your rates are unique to you, so getting quotes from both companies can still be a good idea.
What company is better, Liberty Mutual or Progressive?
Progressive is usually a better option than Liberty Mutual for car insurance, because of its cheap rates and good discounts. However, Liberty Mutual is better for home insurance because it offers more ways to personalize your coverage.
Does Liberty Mutual or Progressive have better service?
Liberty Mutual and Progressive are pretty evenly matched when it comes to customer service, and neither company gets good reviews. Liberty Mutual has better car insurance claims service than Progressive, but Progressive's home insurance service is better.
Methodology
To compare car insurance rates, ValuePenguin experts gathered quotes from both Liberty Mutual and Progressive for a 30-year-old man living in Atlanta, GA. Our driver has a clean driving record, good credit and owns a 2018 Honda Civic EX. Quotes for young drivers are for an 18-year-old man, but all other factors remained the same.
Minimum coverage quotes use Georgia's minimum required insurance limits. Full coverage quotes include higher liability limits as well as comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision deductibles: $500
To compare homeowners insurance rates, our experts collected quotes for a home in Atlanta, GA. Rates are for a 45-year-old married man with good credit and no claims.
Home insurance quotes use the following coverage limits:
- Dwelling coverage: $296,500 on average
- Personal liability: $300,000
- Medical payments: $5,000
- Deductible: $1,000
About the Author
Senior Writer
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
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.
