Liberty Mutual vs. Progressive: Best Auto Insurance for 2021
When comparing Liberty Mutual vs. Progressive, Progressive auto insurance is cheaper in every category. Progressive receives slightly higher financial ratings than Liberty Mutual, and Progressive reviews for customer satisfaction are also slightly higher than Liberty Mutual reviews. Consider the numerous discounts available as you compare Liberty Mutual vs. Progressive auto insurance quotes.
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UPDATED: Apr 30, 2021
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- Progressive is cheaper than Liberty Mutual across the board
- Progressive has a slightly higher financial rating than Liberty Mutual
- Liberty Mutual reviews for customer satisfaction are rated lower than Progressive reviews
You have a lot of choices when it comes to automobile insurance companies, and comparing them side by side will help you narrow down your options. To see which one suits your needs best, we will look at the pros and cons of Liberty Mutual vs. Progressive auto insurance companies.
To see if either is right for you, compare rates, discounts, financial ratings, and customer satisfaction ratings.
Read on to compare Liberty Mutual vs. Progressive. Enter your ZIP code to receive free quotes from multiple auto insurance companies near you.
Is Liberty Mutual auto insurance or Progressive auto insurance cheaper?
You may be surprised to learn all of the factors that auto insurance companies use to determine your rates. Common factors used are your age, gender, marital status, driving history, and credit score.
All of these will be used to determine how affordable Liberty Mutual vs. Progressive auto insurance is for you. Since everyone will be different, rates will vary.
First, we will look at Liberty Mutual vs. Progressive auto insurance rates by demographics. Younger drivers are usually charged much higher rates because they lack experience, but you might not know just how much your age affects your rates.
|Age, Gender, and Marital Status||Liberty Mutual Average Annual Rates||Progressive Average Annual Rates|
|Single 17-year-old female||$9,875.56||$8,625.44|
|Single 17-year-old male||$12,181.54||$9,467.29|
|Single 25-year-old female||$3,287.35||$2,574.87|
|Single 25-year old male||$3,502.13||$2,735.72|
|Married 35-year-old female||$3,085.88||$2,176.32|
|Married 35-year-old male||$3,179.88||$2,087.50|
|Married 60-year-old female||$2,706.04||$1,908.06|
|Married 60-year-old male||$3,088.10||$1,900.18|
Progressive insurance is much cheaper regardless of your age, gender, or marital status.
Your driving record is another significant factor that car insurance companies consider when determining your rates. You would pay even more on your policies when you have accidents, tickets, or DUIs than if you have a clean driving record.
|Driving Record||Liberty Mutual Average Annual Rates||Progressive Average Annual Rates|
|With 1 accident||$6,204.78||$4,777.04|
|With 1 DUI||$7,613.48||$3,969.65|
|With 1 speeding violation||$5,701.26||$4,002.28|
You can save thousands of dollars by choosing Progressive over Liberty Mutual no matter what is on your driving record.
You may also be surprised to hear that your auto insurance rates are influenced by your credit score. Insurance companies believe that you are less likely to file a claim and are more able to pay for damages out of pocket if you have a higher credit score.
|Credit History||Liberty Mutual Average Annual Rates||Progressive Average Annual Rates|
Once again, Progressive is significantly cheaper than Liberty Mutual, especially if you have bad credit.
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Does Liberty Mutual or Progressive have better auto insurance discounts?
You can significantly lower your rates if you add car insurance discounts to your policy. Most companies offer common discounts based on the number of cars you have, your job, and if you are a safe driver, and they even let you bundle them for more savings.
This table shows you the available discounts through Liberty Mutual and Progressive. If the amount of the discount is known, it is included. Take a look and see which company offers you the most discounts.
|Auto Insurance Discounts||Liberty Mutual (%)||Progressive (%)|
|Adaptive Cruise Control||5||x|
|Daytime Running Lights||5||x|
|Electronic Stability Control||5||x|
|Forward Collision Warning||5||x|
|Lane Departure Warning||x||x|
|New Customer/New Plan||x||N/A|
|Students & Alumni||10||N/A|
While both companies offer many of the same discounts, there are some differences. For example, Liberty Mutual offers a military discount and Progressive does not. On the other hand, Progressive offers a continuous coverage discount and Liberty Mutual doesn't.
When you compare Liberty Mutual vs. Progressive auto insurance quotes, take into account any discounts that might apply.
How do Liberty Mutual and Progressive compare for financial strength and customer satisfaction?
A.M. Best ranks companies based on how financially stable they are. Liberty Mutual received an A rating, meaning they have an excellent ability to meet their obligations. Progressive earned an A+ rating showing they have a superior ability to meet their obligations.
Both companies also received an A+ rating from the Better Business Bureau, but Liberty Mutual is accredited while Progressive is not.
J.D. Power ranked both Liberty Mutual and Progressive on customer satisfaction, including prices, billing, claims, and what is offered. Liberty Mutual ranked at or below average, while Progressive ranked average in most regions.
Liberty Mutal and Progressive offer many similar features. Both offer an easy-to-use website and mobile app allowing customers to access their accounts at any time. They also offer additional services and insurance products, such as roadside assistance and homeowners insurance.
Deciding to buy Liberty Mutual vs. Progressive auto insurance can be a difficult decision. To determine if either is right for you, look at rates, discounts, and ratings. You can also compare additional companies to see which one is the best fit.
Enter your ZIP code to compare quotes from several companies near you now that you've learned all about Liberty Mutual vs. Progressive auto insurance.