Auto Insurance · Head-to-head
Progressive vs Liberty Mutual: Which auto insurance wins?
Side-by-side comparison of Progressive and Liberty Mutual auto insurances — APR ranges, credit floors, application speed, and editorial verdict.
Progressive
Industry-leading underwriting for high-risk profiles — DUI, multiple accidents, lapsed coverage. The Snapshot telematics program rewards safe driving with 10–30% discounts after 6 months. Premiums for clean records are middling but the high-risk niche is best-in-class.
Liberty Mutual
Highest number of optional riders in the category — Better Car Replacement (12-month upgrade), Original Parts Replacement (OEM-only on repairs), Deductible Fund (savings account that grows your deductible). Customization is unmatched but premiums run 25-40% above GEICO for clean records.
Editor's verdict
Progressive is cheaper for clean drivers; Liberty Mutual wins on bundling.
Progressive's $1,633/year national average is $227 cheaper than Liberty Mutual's $1,860 — a 12% gap. Progressive also has the edge for high-risk drivers (DUI, SR-22, at-fault accidents) thanks to its non-standard underwriting model. Liberty Mutual's structural edge is home + auto bundling — its bundle discount averages 15% on auto + 8% on home, beating Progressive's 9% + 5%. Verdict: clean-record auto-only → Progressive. Home + auto bundle shoppers → Liberty Mutual.
- Progressive is $227/year cheaper on average (Quadrant 2024).
- Both carry AM Best A+ or A — financial strength is comparable.
- Liberty Mutual's bundle discount is 6 percentage points stronger than Progressive's.
- Progressive accepts more high-risk drivers (DUI, SR-22) than Liberty Mutual.
- J.D. Power claims rankings: Progressive #16, Liberty Mutual #18 — both mid-pack.
Side-by-side breakdown
| Feature | Progressive | Liberty Mutual |
|---|---|---|
| APR range | — | — |
| Min credit score | — | — |
| Loan amount | — | — |
| Term length | — | — |
| Overall rating | 4.4/5 | 4.1/5 |
| Rates & APR score (40%) | 4.3 | 3.9 |
| Loan terms score (25%) | 4.5 | 4.5 |
| Application score (20%) | 4.4 | 4.1 |
| Support score (15%) | 4.3 | 4.0 |
APR range
Progressive
—
Liberty Mutual
—
Min credit score
Progressive
—
Liberty Mutual
—
Loan amount
Progressive
—
Liberty Mutual
—
Term length
Progressive
—
Liberty Mutual
—
Overall rating
Progressive
4.4/5
Liberty Mutual
4.1/5
Rates & APR score (40%)
Progressive
4.3
Liberty Mutual
3.9
Loan terms score (25%)
Progressive
4.5
Liberty Mutual
4.5
Application score (20%)
Progressive
4.4
Liberty Mutual
4.1
Support score (15%)
Progressive
4.3
Liberty Mutual
4.0
Editor verdicts
Why we rate Progressive 4.4/5
Industry-leading underwriting for high-risk profiles — DUI, multiple accidents, lapsed coverage. The Snapshot telematics program rewards safe driving with 10–30% discounts after 6 months. Premiums for clean records are middling but the high-risk niche is best-in-class.
Why we rate Liberty Mutual 4.1/5
Highest number of optional riders in the category — Better Car Replacement (12-month upgrade), Original Parts Replacement (OEM-only on repairs), Deductible Fund (savings account that grows your deductible). Customization is unmatched but premiums run 25-40% above GEICO for clean records.
Who should pick which?
Pick Progressive if…
- You prefer a fast, soft-pull-friendly online application.
Pick Liberty Mutual if…
- You trust Liberty Mutual's 4.1/5 editorial score.
Frequently asked questions
Answers to the most-searched questions about Progressive vs Liberty Mutual.
Keep comparing