The comparison
| Liberty Mutual | Progressive | |
|---|---|---|
| Our score | 7.4 / 10 (partner) | 8.2 / 10 (not a partner, no link) |
| Average price | Above national average | At or below average for most profiles |
| High-risk and SR-22 | Writes SR-22 in most states | Writes SR-22 routinely; the stronger choice after a DUI |
| Telematics | RightTrack, up to 30% off, locked in after review | Snapshot, discount varies, can raise rates for risky data |
| Claims satisfaction (J.D. Power 2025) | 730, above the 700 average | Around the average |
| Regulator complaints (NAIC) | Above expected for its size | Around expected |
| Repair shop grade (CRASH Network 2026) | D+ | Also below average |
| Bundling | Strong home, renters, condo discounts | Home is through partner carriers; bundle discount smaller |
| How you buy | Online, phone, independent agents | Online, phone, independent agents |
| Standout tool | A la carte coverage builder | Name Your Price tool that fits coverage to a budget |
Pick Progressive if
You have a ticket, an accident, a DUI or a lapse in coverage. Progressive built its business on drivers other carriers price out, and it files SR-22s without drama. It's also usually cheaper than Liberty Mutual for clean-record drivers who want minimum or standard coverage, and its Name Your Price tool is useful when the budget is the constraint. The tradeoff is a thinner menu of add-ons and smaller bundle discounts, because Progressive's home insurance is written by partner companies.
Pick Liberty Mutual if
You own or rent and want one carrier for everything. Liberty Mutual's multi-policy discount is among the larger ones in the market and it writes its own home, renters and condo policies. You also get more control over the coverage itself: new car replacement, better car replacement, gap, a deductible fund, and accident forgiveness are all available individually. And if you drive carefully and don't mind the app, RightTrack's discount is locked in once the review period ends, which Snapshot doesn't promise.
Paid partner links · WiseIQ earns a commission if you request a quote. Rates and availability vary by state and profile. Every carrier on this page is scored on the same five criteria on our car insurance scoreboard.
Three things to compare on the actual quotes
Liability limits. Both default to state minimums online. Raise both quotes to the same limits (100/300/100 is a common target) before comparing price, or you're comparing different products.
The telematics discount. Progressive shows the Snapshot participation discount up front and adjusts later. Liberty Mutual shows the RightTrack enrollment discount up front and the final discount after 90 days. Neither first-month price is the real price.
Bundle math. If you own a home, get both carriers' home quotes too. A bigger auto discount at Progressive can be erased by a worse home rate from its partner carrier, and the reverse is true at Liberty Mutual.