Liberty Mutual and Progressive are top companies in the insurance world, especially Progressive. 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 discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
Best If |
Liberty Mutual
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Progressive
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Worst If |
Liberty Mutual
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Progressive
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Liberty Mutual
Bundle & SaveWhen you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money. Multi-Car DiscountThe discount does just as it says. For customers who have multiple cars on one policy, Liberty Mutual aims to provide the best value. This helps make managing your auto insurance as stress-free as possible. Exclusive Group SavingsLiberty Mutual has partnerships with more than 14,000 groups. Being a member of any one of them could make you eligible for a discount with the insurance company. |
Progressive
Name Your Price ToolProgressive’s Name Your Price tool lets you choose the best insurance product for your budget. Finding which policy best fits your budget is done with the Name Your Price tool in three simple steps.
Snapshot with ProgressiveSnapshot 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 people to save money. All you have to do is drive smart. |
Bundling Coverage Discounts | Liberty Mutual | Progressive |
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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 |
Liberty Mutual Auto Insurance | Progressive Auto Insurance | |
---|---|---|
2018 | 84 | |
2017 | 98 | |
2016 | 160 | 79 |
2015 | 267 | 153 |
2014 | 235 | 102 |
2013 | 187 | 34 |
Liberty Mutual Auto Insurance | Progressive Auto Insurance | |
---|---|---|
Overall Purchase Experience | Among the best | About average |
Policy Offerings | Among the best | About average |
Pricing | Above average | About average |
Local Agent | Among the best | About average |
Call Center Representative | Above average | Below average |
Insurer Website | Average | About average |
Liberty Mutual Auto Insurance | Progressive Auto Insurance | |
---|---|---|
Overall Satisfaction | Average | About average |
First Notice of Loss | Average | About average |
Service Interaction | Average | About average |
Appraisal | Average | About average |
Repair Process | Average | About average |
Rental Car Experience | Average | About average |
Settlement | Average | About average |
Liberty Mutual Auto Insurance | Progressive Auto Insurance | |
---|---|---|
A.M. Best | A | A+ Superior |
Moody's | A2 | Aa2 |
S&P's | A | AA |
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. You can use it to:
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 hi-res 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 in the event of theft or damage to your home. Click here for more information and to download any of the Liberty Mutual mobile apps. |
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 rep, and offers you 24/7 roadside assistance. Download the Progressive app here. |
Liberty Mutual
Liberty Mutual 24-Hour Roadside AssistanceTowing & 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
Contact Phone NumberLiberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. Click here to go to the Liberty Mutual Roadside Assistance website. |
Progressive
Progressive Emergency Roadside AssistanceProgressive Emergency Roadside Assistance is for drivers who have non-accident car trouble. Roadside Services Covered
Note: the number of roadside events covered in a six-month period cannot exceed your policy limit. Contact Phone NumberProgressive’s Roadside Assistance is available by calling 1 (800) 776-2778. Click here to visit Progressive's Roadside Assistance website. |