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Auto Insurance · Head-to-head

Progressive vs Liberty Mutual: Which auto insurance wins?

Side-by-side comparison of Progressive and Liberty Mutual auto insurance — average premiums, coverage strength, claims & support, and editorial verdict.

Best for high-risk drivers

Progressive

4.4·$1,633/yr full

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.

Best for custom coverage

Liberty Mutual

4.1·$1,860/yr full

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

Avg full-coverage premium

Progressive

$1,633/yr

Liberty Mutual

$1,860/yr

Avg liability-only premium

Progressive

$632/yr

Liberty Mutual

$668/yr

A.M. Best financial strength

Progressive

—

Liberty Mutual

—

Best for

Progressive

high risk · dui

Liberty Mutual

custom coverage · rideshare

Overall rating

Progressive

4.4/5

Liberty Mutual

4.1/5

Price & savings score (40%)

Progressive

4.3

Liberty Mutual

3.9

Coverage strength score (25%)

Progressive

4.5

Liberty Mutual

4.5

Quote & buy experience (20%)

Progressive

4.4

Liberty Mutual

4.1

Claims & 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.

Read the full Progressive review

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.

Read the full Liberty Mutual review

Who should pick which?

Pick Progressive if…

  • You want the lowest annual premium — Progressive averages $1,633/yr for full coverage, $227 less than Liberty Mutual.
  • You value claims responsiveness — Progressive scores higher on claims & support.
  • You want a smooth quote-and-buy flow with minimal phone follow-up.

Pick Liberty Mutual if…

  • Your driver profile leans custom coverage — Liberty Mutual's underwriting is best-in-class there.

Frequently asked questions

Answers to the most-searched questions about Progressive vs Liberty Mutual.

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