Overall verdict
Progressive wins 5–4 categories
Progressive leads on more rate factors. Liberty Mutual may still win for specific profiles — see the table below.
Side-by-side comparison
| Feature | Progressive | Liberty Mutual | Winner |
|---|---|---|---|
| Avg annual rate | ~$1,598/yr | ~$2,091/yr | ✓ Progressive |
| NAIC complaint ratiolower = fewer complaints vs. industry avg | 0.71 — good | 2.86 — poor | ✓ Progressive |
| Credit: excellentrate change for excellent credit | -11% | -15% | ✓ Liberty Mutual |
| Credit: fair / poorrate change for fair credit | +25% | +35% | ✓ Progressive |
| Young drivers · 18–24surcharge vs 35–54 baseline | +4% | +20% | ✓ Progressive |
| Drivers 55+discount vs 35–54 baseline | -4% | -6% | ✓ Liberty Mutual |
| Homeowner discount | -3% | -6% | ✓ Liberty Mutual |
| Multi-policy discount | -4% | -5% | ✓ Liberty Mutual |
| Lapsed coverage penaltysurcharge for coverage gap | +5% | +20% | ✓ Progressive |
| How to buy | Online + agent | Online + agent | — |
| Telematics program | Snapshot | RightTrack | — |
Who wins by driver profile
Good credit · clean record
Progressive
saves ~$355/yr
Fair / poor credit
Progressive
saves ~$826/yr
Young driver · 18–24
Progressive
saves ~$654/yr
Drivers 55+
Progressive
saves ~$306/yr
Homeowner bundle
Progressive
saves ~$263/yr
About Progressive
Accepts the widest driver profile range. Minimal age sensitivity makes it the top pick for under-25 drivers. In this comparison, Progressive has the advantage on avg rate, complaints, fair-credit rate. Best for: High-risk drivers, SR-22, and young drivers.
About Liberty Mutual
Highest complaint ratio among major carriers. Broad coverage options but consistently the most expensive major carrier. In this comparison, Liberty Mutual has the advantage on excellent-credit rate, 55+ rate, homeowner discount. Best for: New car replacement coverage.
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