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. Shoppers looking for dependable customer service should consider purchasing 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 fairly similar from both companies. At $847 per year, a policy from Progressive is only $4 per year cheaper than Liberty Mutual. Full-coverage car insurance from Progressive is $489 per year cheaper than a policy from Liberty Mutual.
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Drivers with a speeding ticket on their records will also find cheaper rates with Progressive. The average cost of a full-coverage policy from Progressive is $761 per year cheaper than Liberty Mutual for these drivers.
Annual car insurance quote comparison
Coverage | Liberty Mutual | Progressive |
|---|---|---|
| Minimum coverage | $852 | $847 |
| Full coverage | $1,879 | $1,381 |
| Speeding ticket | $2,506 | $1,745 |
However, Liberty Mutual has 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 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, an 18-year-old driver pays $975 per year less for a minimum-coverage policy from Progressive compared to Liberty Mutual.
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Young drivers shopping for full-coverage car insurance will find affordable rates from Progressive, too. A policy from Progressive costs $2,851 less per year than coverage from Liberty Mutual.
Annual car insurance rate comparison
Coverage | Liberty Mutual | Progressive |
|---|---|---|
| Minimum coverage | $3,258 | $2,283 |
| Full coverage | $6,932 | $4,080 |
Young drivers have a higher risk of causing a car accident than older drivers. That's why they usually pay more for car insurance.
Young drivers should consider joining their parents' insurance policy to save money on car insurance costs, if it's an option.
Liberty Mutual vs. Progressive car insurance discounts
Liberty Mutual offers drivers more discounts than Progressive.
In addition, many of Liberty Mutual's discounts are easy to earn. For example, drivers can earn 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 usage-based programs. These programs track your driving habits using a cellphone app or plug-in telematics device. People who exhibit good driving habits are awarded with a discount.
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 exhibit poor driving habits. On the other hand, 2 out of 10 drivers that sign up for Progressive Snapshot see an increase in their rates. Additionally, Liberty Mutual 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, the maximum discount available with Liberty Mutual is greater.
Liberty Mutual also offers a pay-per-mile program called ByMile, which calculates your car insurance rate in large part based on how much you drive. 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 has lots of coverage options to choose from, many of which are not offered by 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 cheaper than Progressive.
On average, a Liberty Mutual home policy costs 35% less than a policy from Progressive. At around $1,229 per year, coverage from Liberty Mutual is also 27% cheaper than the national average.
Company | Average annual cost | |
|---|---|---|
| Liberty Mutual | $1,229 |
| Progressive | $1,890 |
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Liberty Mutual vs. Progressive home insurance discounts
Liberty Mutual also offers homeowners more opportunities to qualify for discounts than Progressive.
Many of Liberty Mutual's discounts are easy to qualify for, like its early shopper and insured-to-value discounts. In addition to common discounts, like bundling, Liberty Mutual has a number of discounts for owners of newly constructed or recently renovated homes.
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
Homeowners will find better protection for their belongings with Liberty Mutual than Progressive.
In addition to offering more optional coverages, Liberty Mutual's basic home policy includes more protection than Progressive's. Progressive won't pay your legal fees if you're sued for libel or slander or falsely arrested. The company gives homeowners the option to purchase this protection, which it calls personal injury coverage, for an additional fee. However, most major insurers, including Liberty Mutual, include it as a part of your personal liability insurance.
Coverage | Liberty Mutual | Progressive |
|---|---|---|
| Blanket jewelry coverage | ||
| Inflation protection | ||
| Personal property replacement cost coverage | ||
| Flood insurance | ||
| Water backup coverage | ||
| Personal injury |
Included
Optional
Homeowners with a lot of jewelry will find Liberty Mutual's blanket jewelry coverage useful. This coverage is unusual because it doesn't require you to get appraisals for each piece of jewelry you want to protect. Instead, it covers all of your jewelry against damage, loss or theft without requiring you to pay a deductible.
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 other insurers based on their size, 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?
Home insurance from Liberty Mutual is cheaper than Progressive, but auto insurance is more expensive. However, Liberty Mutual offers lots of home and auto insurance discounts to help drivers save money on their premiums.
Does Progressive have 24-hour customer service?
Yes, Progressive's call center is open 24 hours a day. You can speak to a Progressive customer service representative by calling 888-671-4405, or via online chat or email through its website.
Does Progressive offer accident forgiveness?
Yes, Progressive offers accident forgiveness. Most drivers automatically get small accident forgiveness for claims less than $500. Drivers that want protection for accidents that cost more than $500 can purchase large accident forgiveness. You can also qualify for free large accident forgiveness after five years of being a Progressive customer with no 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, we gathered quotes across 10 of the largest cities in Massachusetts. Our sample driver is a 30-year-old man driving a 2015 Honda Civic EX with a clean driving record, unless otherwise noted. For example, the section on young drivers used an 18-year-old man, but all other factors remained the same.
Quotes are based on the following coverage levels, which are 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, we collected quotes for homes across five cities in Massachusetts. Our sample homeowner is a 45-year-old married man with an average credit score.
Home insurance quotes are based on the following coverage limits:
Coverage | Limit |
|---|---|
| Dwelling coverage | $353,300 on average |
| Personal liability | $100,000 |
| Medical payments | $5,000 |
| Deductible | $1,000 |