Choosing between Liberty Mutual vs. Progressive car insurance isn't necessarily an easy task. If you've been asking, "Who is better: Progressive or Liberty Mutual?" you've come to the right place to compare your options. Both carriers have a considerable amount of experience in the insurance industry, with Progressive having been founded in 1937 and Liberty Mutual in 1912.
But there are many other factors to consider when comparing Liberty Mutual vs. Progressive in 2026, such as each provider's rates, official ratings, coverage perks, customer satisfaction scores, and more. The coverage that works best for one customer won't be right for another.
Luckily, a local independent insurance agent can help you shop and compare car insurance policies and quotes to determine whether Liberty Mutual or Progressive is right for you. They can also weigh these carriers against others that offer car insurance in your area. Until then, here's our guide to Liberty Mutual vs. Progressive auto insurance to help you decide which carrier is right for you.
Key Takeaways - Liberty Mutual vs. Progressive Car Insurance: 2026
Liberty Mutual has cheaper average car insurance rates for teen drivers and drivers with poor credit, but Progressive's average rates are cheaper in most other categories.
Liberty Mutual has a better bundling discount than Progressive.
Liberty Mutual's telematics program, RightTrack, won't increase your car insurance rates if it detects risky driving behavior, while Progressive's program, Snapshot, will.
Progressive offers lower rates for drivers with a DUI or reckless driving citation and credit scores in the fair-to-excellent range.
Working with a local independent insurance agent is strongly recommended, as they can shop and compare quotes and coverage options from both Liberty Mutual and Progressive to help you find the best deal.
Liberty Mutual Was Safeco: What the 2026 Rebrand Means for You
Is Safeco still around in 2026? The answer is no. Liberty Mutual officially retired the Safeco brand on April 25, 2026, and consolidated all personal lines under its own name. However, the coverage, rates, and independent insurance agents Safeco distributed through remain the same. This means you can still enjoy your coverage just as before, but with Liberty Mutual as the brand name. You can ask an independent insurance agent for more information about the Safeco/Liberty Mutual rebrand.
Liberty Mutual vs. Progressive Telematics and Roadside Assistance in 2026
Both Progressive and Liberty Mutual offer telematics programs to help customers save on car insurance by rewarding safe driving. Progressive uses Snapshot, which tracks driving behaviors such as speeding and hard braking. Snapshot allows customers to save an average of $322 annually on their car insurance premiums.
Liberty Mutual's telematics program, RightTrack, monitors customers' driving behavior for 90 days. Though savings aren't guaranteed, the program allows customers to save between 5% and 30% on their premiums. In terms of telematics, we think Progressive has the edge.
So, Snapshot vs. RightTrack: which saves more? RightTrack has the edge because there's no risk that your premiums will increase, even if risky driving behavior is detected. However, Snasphot can raise your premium for this reason.
Both carriers also offer roadside assistance coverage and services to auto insurance customers. This coverage is optional from both carriers and adds an extra cost to your policy. Here's a breakdown of the specific roadside assistance services offered by Progressive and Liberty Mutual.
| Service | Offered by Progressive? |
Offered by Liberty Mutual? |
|---|---|---|
| Fuel and fluids delivery | Yes | Yes |
| Flat-tire changes | Yes | Yes |
| Lock-out services | Yes | Yes |
| Battery jump starts | Yes | Yes |
| Battery recharge for EVs | Yes | No |
| On-scene labor | Yes | No |
| Winching Services | Yes | No |
| Towing | No | Yes |
Progressive's roadside assistance coverage offers a few perks over Liberty Mutual's, including battery recharging for electric vehicles, on-scene labor, and winching services.
Liberty Mutual vs. Progressive Car Insurance Rates
The national average cost of full coverage car insurance in 2026 is $208 per month. When comparing rates for Progressive insurance vs. Liberty Mutual, Progressive tends to be more affordable in almost every category. Still, it's worth comparing rates across different categories for each carrier.
The rates from your Safeco car insurance policy should remain unchanged under the Liberty Mutual rebranding. Here's how average premium rates compare for Liberty Mutual Insurance and Progressive.
Liberty Mutual vs. Progressive Car Insurance Rates by Age
| Age | Progressive Average Annual Full Coverage Premium | Liberty Mutual Average Annual Full Coverage Premium |
|---|---|---|
| Teens | $8,248 | $6,559 |
| 20s | $2,287 | $2,686 |
| 30s | $1,646 | $2,686 |
| 40s | $1,644 | $1,926 |
| 50s | $1,542 | $1,793 |
| 60s | $1,403 | $1,746 |
Though Liberty Mutual's car insurance rates for teenage drivers are noticeably lower than Progressive's, its average annual premiums are higher across every other age range. Ask your independent insurance agent for more information about Liberty Mutual vs. Progressive for teen drivers.
Liberty Mutual vs. Progressive Car Insurance Rates by Credit Score
While not all states allow car insurance companies to factor credit scores into car insurance premium rates, most do. Currently, only Hawaii, California, Michigan, and Massachusetts prohibit credit as a car insurance premium rating factor. As such, we've included a breakdown of Progressive and Liberty Mutual car insurance rates by credit score.
| Credit Level | Progressive Average Annual Full Coverage Rate | Liberty Mutual Average Annual Full Coverage Rate |
|---|---|---|
| Very Poor (300-579) | $3,602 | $3,228 |
| Fair (580-669) | $2,127 | $2,276 |
| Good (670-739) | $1,708 | $2,109 |
| Very Good (740-799) | $1,453 | $1,878 |
| Exceptional (800-850) | $1,320 | $1,792 |
For drivers with very poor credit, Liberty Mutual offers a savings of nearly $400 per year. However, Progressive's average annual auto insurance premiums are cheaper than Liberty Mutual's across every other credit score range. You can ask your independent insurance agent for more information about Liberty Mutual vs. Progressive for drivers with poor credit.
Liberty Mutual vs. Progressive Car Insurance Rates for High-Risk Drivers
Drivers with at least one violation or citation on their records can experience much higher auto insurance rates. Being involved in just one at-fault accident or receiving a speeding ticket can cause your premium to skyrocket.
If you're a driver with a less-than-squeaky-clean driving record, it may be helpful to compare average annual auto insurance premiums for drivers with various violations from both Liberty Mutual and Progressive.
| Violation | Progressive Average Annual Rate | Liberty Mutual Average Annual Rate |
|---|---|---|
| At-fault accident (damage less than $1,000) | $2,720 | $2,776 |
| At-fault accident (damage more than $1,000) | $2,245 | $2,112 |
| DUI/DWI | $2,201 | $4,182 |
| Reckless driving | $2,457 | $3,459 |
| Speeding ticket | $2,091 | $2,068 |
Liberty Mutual has lower rates for drivers with an at-fault accident with damage totaling more than $1,000 or a speeding ticket on their records, but Progressive's average annual rates were lower across the other citation categories. Progressive offers cheaper coverage for drivers with a DUI or reckless driving citation, as well as for at-fault accidents with damage totaling less than $1,000. Your independent insurance agent can also help you choose between Liberty Mutual or Progressive after a DUI.
Average Monthly Premium: Liberty Mutual vs. Progressive in 2026
Liberty Mutual's full coverage costs an average of $252 per month, while its minimum coverage costs $48 per month. Progressive's full coverage costs an average of $125 per month. So, if you've been wondering who has the cheapest car insurance between Liberty Mutual and Progressive, the edge goes to Progressive.
Liberty Mutual vs. Progressive Car Insurance Discounts
Liberty Mutual offers a few discounts that Progressive doesn't, including anti-lock brake discounts, anti-theft system discounts, defensive driver discounts, diminishing deductible discounts, and low mileage discounts. So, while Progressive has cheaper rates on average, when it comes to discounts, Liberty Mutual takes the win.
Both carriers offer standard discounts you'd expect, such as bundling discounts, multi-car discounts, and good student discounts. Liberty Mutual's average bundling discount rate is up to 15%. Additionally, neither carrier offers discounts for insuring new vehicles or signing up for a policy early.
| Car Insurance Discount | Offered by Progressive? | Offered by Liberty Mutual? |
|---|---|---|
| Bundling | Yes | Yes |
| Multiple Vehicles | Yes | Yes |
| Anti-Lock Brakes | No | Yes |
| Early Signing | No | No |
| Anti-theft System | No | Yes |
| Good Student | Yes | Yes |
| Student-Away-From-Home | Yes | Yes |
| New Vehicle | No | No |
| Defensive Driver | No | Yes |
| Paid-in-Full | Yes | Yes |
| Homeowner | Yes | Yes |
| Annual Mileage | No | Yes |
| Diminishing Deductible | No | Yes |
Bundling and multi-policy discounts
When considering Liberty Mutual vs. Progressive for a bundle discount, the edge goes to Liberty Mutual. Liberty Mutual's average bundling discount helps you save up to 15% on your homeowners insurance and auto coverage. In contrast, Progressive's bundling discount averages just 5% and only applies to your auto coverage.
Liberty Mutual vs. Progressive Car Insurance Customer Experience
As a car insurance policyholder, you'll want to make sure that managing and accessing your policy, filing and tracking claims, and paying your premiums are all smooth, user-friendly experiences. Both Progressive and Liberty Mutual offer online claims filing and tracking, as well as 24/7 phone customer service. Customers can get online quotes and coverage from either carrier as well.
However, Progressive's online quoting experience is better than Liberty Mutual's, due to the insurer's Name Your Price tool, which lets policyholders search for coverage options based on their budget. This tool allows customers to browse policies by price range, instead of waiting until they've assembled a sample policy to get a quote.
Liberty Mutual has a nice perk of 24/7 roadside assistance, however, which may be enticing for many customers. Additionally, Liberty Mutual is generally regarded as more agent-supported, while Progressive's customer service experience centers more on the mobile app.
Liberty Mutual vs. Progressive Official Ratings and Financial Strength
When determining which car insurance company is right for you, it can also be helpful to review official ratings by various organizations for financial strength, customer satisfaction, claims satisfaction, customer complaints, and more. Here's how Progressive compares against Liberty Mutual in terms of official ratings.
| Rating and Organization | Liberty Mutual | Progressive |
|---|---|---|
| NAIC Complaint Index | Below Average | Good |
| J.D. Power Customer Satisfaction | Average | Below Average |
| J.D. Power Claims Satisfaction | Average | Below Average |
| Financial Strength (AM Best) | B++ Good | A+ Superior |
Progressive beats Liberty Mutual in the National Association of Insurance Commissioners (NAIC) customer complaint index category and in terms of financial strength, but Liberty Mutual won the J.D. Power customer satisfaction and claims satisfaction scores. Progressive also has a much stronger AM Best financial strength rating than Liberty Mutual.
Who Should Choose Liberty Mutual vs. Progressive?
The answer to this question depends on what you're seeking from a car insurance company. While Progressive scores higher for average rates, Liberty Mutual scores better for teen drivers, at-fault accident drivers, and bundling discounts.
Best for cheaper average rates: Progressive
Who has the cheapest car insurance: Liberty Mutual or Progressive? Progressive's average annual premium is lower across nearly every age group except teen drivers. Additionally, Progressive's average premium rates are lower for most violation categories and credit score ranges. This makes Progressive a solid pick for adult drivers, drivers with DUIs or speeding tickets, and drivers with fair-to-excellent credit.
Best for teen drivers: Liberty Mutual (Formerly Safeco)
When considering Liberty Mutual vs. Progressive for teen drivers, Liberty Mutual has the edge. Liberty Mutual's average annual rate for teen drivers is about $1,689 cheaper per year than Progressive's. If you have a teen driver in your household, ask your independent insurance agent about coverage from Liberty Mutual.
Best for at-fault accident drivers: Liberty Mutual
Liberty Mutual has lower average rates than Progressive for serious at-fault accidents. Liberty Mutual's average rate for an at-fault accident totaling more than $1,000 in damage is $2,112 per year, which is cheaper than Progressive's average rate of $2,245.
However, it's worth noting that Progressive comes out ahead for less serious at-fault accidents. Progressive's average rate of $2,720 per year for an at-fault accident with damage totaling less than $1,000 is lower than Liberty Mutual's average rate of $2,776. However, it's not as large a gap.
Best for bundling home and auto: Liberty Mutual
Liberty Mutual's average home and auto insurance bundling discount is 15%, while Progressive's is about 5%. Liberty Mutual's savings apply to both types of coverage, while Progressive's discount only applies to your auto coverage. If you have both homeowners insurance and auto insurance, ask your independent insurance agent for more information about Liberty Mutual vs. Progressive's bundle discount.
How to Switch from Liberty Mutual to Progressive (or Vice Versa)
First, get a quote from the other carrier. Next, set the new policy's start date before the old policy's cancellation date. Finally, file a written cancellation with your current carrier. Your independent insurance agent can also help you switch auto insurance carriers.
Liberty Mutual vs. Progressive Car Insurance: The Bottom Line
There are benefits and drawbacks to the car insurance offered by both Liberty Mutual and Progressive. Progressive has a better telematics program and more roadside assistance services than Liberty Mutual.
While Liberty Mutual offers cheaper car insurance for teenage drivers, Progressive's average rates are considerably lower across all other age groups. Progressive also offers much cheaper rates for drivers based on their credit score.
Liberty Mutual may be more affordable for drivers with an expensive at-fault accident on their records, but Progressive's rates for drivers with speeding tickets, DUIs, and reckless driving violations are cheaper. However, Liberty Mutual has a few other car insurance discounts that Progressive doesn't offer, which may lead to lower overall rates for qualifying customers after savings are applied.
While Progressive wins for average premium rates for most drivers, Liberty Mutual wins for teen drivers, expensive at-fault accidents, and better bundling discount savings. An independent insurance agent can help you compare policy options and rates from both carriers in a single session.
FAQs About Liberty Mutual vs. Progressive Car Insurance
Is Liberty Mutual or Progressive cheaper in 2026?
Progressive is cheaper across nearly every age band, credit score, and most violation categories. However, Liberty Mutual is cheaper for teens and drivers with an expensive at-fault accident.
Is Safeco still in business in 2026?
Safeco's branded products were retired on April 25, 2026, but its coverage continues under the Liberty Mutual brand. Existing policies, agent relationships, and pricing structures remain in force.
Does Liberty Mutual or Progressive have better customer service?
Liberty Mutual scores higher on J.D. Power customer and claims satisfaction. However, Progressive scores better on the NAIC complaint index.
Which is better for teen drivers, Liberty Mutual or Progressive?
Liberty Mutual's coverage is about $1,689 per year cheaper for teen drivers than Progressive. Additionally, Liberty Mutual's good student and student-away-from-home discounts can help teen drivers save even more on their coverage.
Snapshot or RightTrack: Which telematics program saves more?
Snapshot from Progressive reports an average savings of $322, but it can raise your rates for risky driving behavior. However, RightTrack from Liberty Mutual offers up to 30% in savings and guarantees your rate won't increase regardless of the driving behavior detected.
Can I bundle home and auto with Liberty Mutual or Progressive?
Both carriers offer bundling discounts. Liberty Mutual's bundling discount averages 15% off, while Progressive's averages 5%. Additionally, Liberty Mutual's bundle savings apply to both policies, while Progressive's savings only apply to your auto coverage.
How do I switch from Liberty Mutual to Progressive?
First, get a quote from Progressive. Next, set the new policy's start date before the old policy's cancellation date. Finally, file a written cancellation with Liberty Mutual. Your independent insurance agent can also help you switch auto insurance carriers.
An Independent Insurance Agent Can Help You Choose Between Liberty Mutual and Progressive Car Insurance
To help make your decision easier, it's always a good idea to consider working with a local independent insurance agent. Your agent can help you shop and compare car insurance policies and quotes from Liberty Mutual and Progressive, along with any other carrier you may be interested in. And down the road, your agent can also help you file car insurance claims and update your coverage as necessary.
Sources
https://www.thezebra.com/insurance-companies/progressive-vs-liberty-mutual/#pricing-comparison
https://www.progressive.com/auto/discounts/snapshot/
https://www.nerdwallet.com/insurance/auto/safeco-auto-insurance-review
https://www.valuepenguin.com/average-cost-of-insurance
https://www.moneygeek.com/insurance/auto/progressive-car-insurance-cost/