Liberty Mutual vs. Progressive: Which Is the Best? (2025)

Liberty Mutual and Progressive both rank among the largest insurance companies by market share in the U.S.1 Reassuring financial strength and memorable TV ads help these companies stay on top. However, both companies have their own trade-offs to consider.

For example, Progressive offers lower average rates than Liberty Mutual. But Liberty Mutual offers more coverage options than Progressive.

As you explore your options, it’s helpful to take a close look at the details of both companies. Here’s what you need to know about Progressive’s and Liberty Mutual’s rates, customer service, coverage options, and discounts to help you make the right choice for your situation.

Liberty Mutual vs. Progressive: The verdict

On average, Progressive offers lower liability-only quotes to drivers than Liberty Mutual. But both companies offer average rates cheaper than the national average. Some drivers may find lower rates with Liberty Mutual. For example, Liberty Mutual has lower average rates than Progressive for drivers with an at-fault accident or speeding ticket.

But Progressive had fewer complaints with the National Association of Insurance Commissioners (NAIC) than Liberty Mutual, indicating drivers may be more satisfied with Progressive overall.

In terms of coverage options, Liberty Mutual offers helpful coverage add-ons, like new-car replacement and accident forgiveness. But Progressive offers more robust coverage options, including rideshare coverage, pet injury coverage, gap coverage, and trip interruption coverage.

Liberty Mutual

Liberty Mutual is the sixth-largest insurance company in the country by market share.1 The insurer has a below-average customer satisfaction score and higher average rates than Progressive.

Progressive

Progressive is the second-largest insurance company in the U.S. by market share.1 While it has slightly better customer satisfaction scores, it also offers lower average rates and boasts fewer NAIC complaints.

Liberty Mutual RightTrack vs. Progressive Snapshot

Liberty Mutual’s RightTrack and Progressive’s Snapshot both offer an opportunity for safe drivers to get discounts on their insurance premiums.

Liberty Mutual’s RightTrack program offers a 10% discount for enrolling. But if you stick to safe driving habits during the 90-day evaluation period, you could earn a discount of up to 30% off your premium. If you have risky driving habits, your insurance premiums might increase. The telematics program runs through the Liberty Mutual mobile app.

Progressive’s Snapshot program boasts more than $1.2 billion in discounts. On average, Progressive drivers save $231 per year with Snapshot. You’ll also get a discount for signing up, which averages $94 per year. Drivers who sign up for the program allow Progressive to track their driving habits through either a mobile app or a plug-in device.

Compare Top Auto Insurers

Rates start as low as $39 per month

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 7,669+ reviews

4.8/5

Liberty Mutual vs. Progressive: Which is the cheapest?

Auto insurance companies take many factors into account when determining your premiums, including your age, ZIP code, marital status, driving record, vehicle safety features, and more.2

With these variables, the cost of car insurance premiums can vary dramatically based on your situation. But for many drivers, Progressive offers cheaper premiums than Liberty Mutual.

Progressive: Cheapest for drivers with a clean driving record

Overall, drivers find lower premiums for their insurance policy with Progressive than Liberty Mutual.

Liberty Mutual: Cheapest for drivers with a speeding ticket

After a speeding ticket, drivers tend to pay higher insurance premiums. On average, Liberty Mutual offers lower rates to drivers with a speeding ticket.

Progressive: Cheapest for teen drivers

With less experience behind the wheel, young drivers typically pay the most for car insurance. But on average, Progressive offers lower average auto insurance premiums than Liberty Mutual for teen drivers.

Progressive: Cheapest for drivers with bad credit

Drivers with bad credit usually find cheaper car insurance premiums with Progressive than Liberty Mutual. But in general, drivers with poor credit face higher rates than drivers with good credit.

Progressive: Cheapest for senior drivers

Senior drivers can find lower auto insurance premiums with Progressive. However, shopping around can help mature drivers find the most affordable coverage options for their particular situation.

Compare coverages: Liberty Mutual vs. Progressive

Liberty Mutual and Progressive are both major insurance companies that offer standard insurance options, like bodily injury liability, property damage liability, personal injury protection, uninsured/underinsured motorist coverage, collision, and comprehensive.

Beyond the basic coverage options, these companies also offer extra coverages. For example, Progressive offers rideshare coverage but Liberty Mutual doesn’t.

Shop for Car Insurance Online

See personalized quotes in minutes

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 7,669+ reviews

4.8/5

Compare discounts: Liberty Mutual vs. Progressive

Liberty Mutual and Progressive both offer plenty of discount opportunities to drivers. If you qualify for a discount, you lock in cheaper car insurance rates.

Although car insurance discounts vary, Progressive and Liberty Mutual offer a similar number of discounts. For example, both insurers offer a discount for bundling your car insurance coverage with another insurance product, like home or life insurance.

The table below highlights which discounts Liberty Mutual and Progressive offer.

Liberty Mutual vs. Progressive FAQs