Liberty Mutual vs. Progressive: Pros & Cons (2021)

Today we will be covering Liberty Mutual vs. Progressive. In terms of pricing, Progressive is cheaper. In terms of discounts, Liberty Mutual offers quite a few more. Finally, in terms of company ratings, these two companies are actually comparably rated by the Better Business Bureau and A.M. Best. Read on to learn more about what these companies have to offer and compare quotes to find the best rates for you.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • Both companies are comparably reviewed by the BBB and A.M. Best
  • Liberty Mutual offers a broader array of discounts
  • Progressive offers more competitive pricing than Liberty Mutual

If you have joined us today you must be looking for your next, or possibly first, insurer. Choosing the right insurer is a complex process that can prove stressful. To simplify this process, we’re going to be comparing only two companies: Liberty Mutual vs. Progressive.

So, Progressive vs. Liberty Mutual: which company is the best for you? Let’s find out together.

How do you get auto insurance quotes? Sure, you could always call the Liberty Mutual customer service department, but why not just use our free and helpful tool above? It’s simple, all you have to do is type your ZIP code and you’ll get affordable auto insurance quotes in your area.

Liberty Mutual vs. Progressive: Which is cheaper?

When comparing insurers like Liberty Mutual and Progressive there are numerous factors to consider. First is something that is probably important to you: price.

Let’s take a look at a table that won’t compare just Liberty Mutual and Progressive’s rates, but the rates for all of the biggest United States insurance companies.

Average Annual Auto Insurance Rates by Company
CompanyAverage Annual Auto Insurance Rates
Allstate$4,533
American Family$3,699
Farmers$3,910
GEICO$3,074
Liberty Mutual$5,296
Nationwide$3,187
Progressive$3,935
State Farm$2,731
Travelers$3,729
USAA$2,489
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As you can see, of the 10 insurers shown, Liberty Mutual insurance is the most expensive of them all. How about Progressive? Progressive insurance is cheaper than two: Liberty Mutual and Allstate.

So, while these are two of the more expensive of the main insurers, Progressive wins out over Liberty Mutual. Let’s now move on to discounts to see which company wins that factor.

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Liberty Mutual vs. Progressive: Which offers better discounts?

If you get anything out of this, let it be this: always ask about discounts. Big insurers like the ones we’re comparing offer a cavalcade of discounts, so always make sure to inform your agent of anything in your life that might get you a discount.

Let’s take a look at a table that shows some major discounts from these big insurers.

Discounts Provided by Major Auto Insurance Companies
CompaniesEmergency DeploymentFederal EmployeeForward Collision WarningMembership/GroupMilitaryMilitary GaragingOccupationRecent Retirees
21st Century
AAAx
Allstatexx
American Family
Ameriprisex
Amicax
Country Financialxx
Esurancexxx
Farmersxxx
GEICOxxxxx
Liberty Mutualxxxxxx
MetLifexxxxx
Nationwidexxx
Progressivex
Safe Autox
Safecoxxx
State Farmx
The Generalx
The Hanoverxx
The Hartfordxxxx
Travelersxx
USAAxx
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As you can see, of the eight discounts shown, Liberty Mutual offers six.

These are: for being a federal employee, for having a forward collision warning in your vehicle, being a member of a specific group (ask your assigned agent), being a member of the military, being in a specific occupation, and being a recent retiree.

So, quite a few. How does Progressive stack up? Of the eight discounts shown, Progressive offers only one. This discount is also for having a forward collision warning in your vehicle.

What’s even better is the fact that a lot of these discounts are as simple as typing in your Liberty Mutual login or Progressive insurance login.

So, in terms of discounts, Liberty Mutual wins. Let’s wrap up with company ratings. Keep in mind, also, that you can read our article Liberty Mutual Auto Insurance Review [2020] to learn more about this company in a general sense.

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Liberty Mutual vs. Progressive: Which is more highly rated?

When you are comparing insurers, there is one final thing to look into. Companies like A.M. Best and the Better Business Bureau serve to make you feel secure about the financial strength of your chosen insurer.

Liberty Mutual is, as of this time, accredited by the Better Business Bureau. It also holds the highest rating possible of A+. Progressive, however, is not accredited by the Better Business Bureau but it also holds a rating of A+.

A.M. Best has a rating scale that ranges from A++ all the way down to a rating of D. Liberty Mutual scored A.M. Best’s third-highest rating of A. Progressive scored a rating of A+.

So, in short, Progressive is the cheaper company, Liberty Mutual offers more discounts, and both companies are comparably reviewed.

Get a great start on finding your next insurer by typing your ZIP code into our free and helpful tool below to find affordable auto insurance quotes in your area. This is certainly easier than dialing up the Liberty Mutual phone number.

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