Compare Liberty Mutual vs. Progressive Insurance

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Liberty Mutual and Progressive are top companies in the insurance world, especially Progressive. Liberty Mutual was founded in 1912, followed by Progressive in 1937. Liberty Mutual beat Progressive by a landslide as the #8 auto insurer of 2015, with Progressive ranked #9. However, Progressive offers a wide variety of discounts, excluding the additional discounts and benefits from its loyalty rewards program.

On the other hand, Liberty Mutual received a J.D. Power award in 2015 for best customer purchasing experience, while Progressive’s ratings suffered from its lack of response to complaints filed against it.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Liberty Mutual Progressive
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
Progressive
  • You want discounts and coverage (even for your pet!) or good-driving rewards
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
Progressive
  • You don’t want a lot of solicitations

Special Car Insurance Discounts

Liberty Mutual Progressive
Liberty Mutual

Bundle & Save
When you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money.

Multi-Car Discount
The discount does just as it says. For customers who have multiple cars on one policy, Liberty Mutual aims to provide the best value so that managing your auto insurance is as stress-free as possible.

Exclusive Group Savings
Liberty Mutual has partnerships with more than 14,000 organizations. Being a member of any one of them could make you eligible for a discount with the insurance company.

Progressive

Name Your Price Tool

Progressive’s Name Your Price tool lets you choose the best insurance product for you based on your financial abilities. Finding which insurance policy best fits your budget can be done with the Name Your Price tool in three simple steps.

  1. Name your price: Tell Progressive your preferred monthly premium for car insurance.
  2. Review: Progressive will generate a policy that closely aligns with your price preferences. In addition, it will highlight any areas where you may fall short on coverage.
  3. Purchase: Now that you have the perfect policy, you can buy it and get the savings as well as the protection you need.

Snapshot with Progressive
Snapshot is a small device that plugs into your car’s ODB-II port. It turns on every time you turn on the engine in your car. Once Snapshot installs, it records your driving habits whenever you’re behind the wheel. It then uses what it learns from your driving to determine if you should be paying less for car insurance. Snapshot is a great way for individuals to save money. All you have to do is drive smart. To find out more about Snapshot or purchase one, click here.

Standard Car Insurance Discounts

Bundling Coverage Discounts Liberty Mutual Progressive
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Liberty Mutual Progressive
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Liberty Mutual Progressive
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Liberty Mutual Progressive
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Liberty Mutual Progressive
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Liberty Mutual Progressive
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Liberty Mutual Car Insurance Progressive Car Insurance
2016 160 77
2015 267 153
2014 235 102
2013 187 34

U.S. Auto Insurance Shopping Study (2016)

Liberty Mutual Car Insurance Progressive Car Insurance
Overall Purchase Experience Among the best Below average
Policy Offerings Among the best Average
Pricing Above average Below average
Local Agent Among the best Average
Call Center Representative Above average Average
Insurer Website Average Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Liberty Mutual Car Insurance Progressive Car Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Average Average
Appraisal Average Average
Repair Process Average Below average
Rental Car Experience Average Average
Settlement Average Average

Financial Strength Ratings

Liberty Mutual Car Insurance Progressive Car Insurance
A.M. Best A A+
Moody's A2 Aa2
S&P's A AA

Mobile Apps

Liberty Mutual Progressive
Liberty Mutual

Liberty Mutual has a quite a few mobile apps to choose from for managing your car insurance.

The Liberty Mutual Mobile App includes all the features and services of the company’s website in the palm of your hand. You can use it to pay bills, view policy details, change your coverage, and more. You can also use it to record details of your incident and get your claim process started.

The Liberty Mutual CarZen App is mainly geared for Apple devices, and is a powerful tool for car shopping. Use it to research any type of car, see its details with high-resolution photos and read thorough reviews. CarZen makes car shopping simple and hassle-free.

The Home Gallery App allows you to log all your personal items into one mobile database. You’ll have a complete home inventory you can access on hand should you ever experience theft or damage to your home.

For more information and to download any of these apps, click here.

Progressive

The Progressive App for iPhone or Android stores all your important information regarding your auto insurance policies. The app lets you access your insurance ID cards, policy details, and allows you to make claims or payments. Additionally, The Progressive App connects you with your agent or claims representative, and offers you 24/7 roadside assistance. You can download the app here.

Roadside Assistance

Liberty Mutual Progressive
Liberty Mutual

Liberty Mutual 24-Hour Roadside Assistance

Towing & Labor coverage on the policy. Collision/comprehensive covers this first but Towing & Labor kicks in if driver doesn’t have collision/comprehensive coverage

Roadside Services covered

  • Towing - You will be towed to the Nearest Qualified repair Facility
  • Jumpstart a dead battery - So you can get where you want to go
  • Deliver emergency fue - We'll get you enough gas to reach the nearest service station
  • Change a flat time and install the spare
  • Unlocking vehicle doors - If you're locked out of your car, we'll get it unlocked

Contact Phone Number

Liberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. The company’s roadside assistance website is here.

Progressive

Progressive Emergency Roadside Assistance

Progressive Emergency Roadside Assistance is available to drivers who have experienced non-accident related car trouble.

Roadside Services Covered

  • Towing within 15 miles or the nearest repair facility
  • Winching
  • Battery or Jump Start
  • Gas delivery
  • Locksmith service
  • Tire change
  • On scene labor

Note: the number of roadside events Progressive covers in a six-month period may not exceed your policy limit in order for coverage to apply.

Contact Phone Number

Progressive’s Roadside Assistance is available by calling 1 (800) 776-2778. Its website is here.