Auto insurance · Updated August 2026
Progressive vs Liberty Mutual
Progressive is built for standard drivers, plus non-standard tiers. Liberty Mutual is built for drivers who buy direct and customize coverage online. On the NAIC's 2025 complaint index, Progressive Direct Ins. Co. drew 0.74 and LM General Ins. Co. drew 0.94, against an industry median of 1.00. AM Best rates Progressive A+ and Liberty Mutual A. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.
By Kevin Lee, licensed insurance agent · NPN 19669698
The short answer
Progressive has written auto since 1937 and writes through Progressive group companies. Progressive Direct Ins. Co. drew 0.74 on the NAIC's 2025 complaint index, 367 complaints on $10.4 billion of private-passenger premium. AM Best rates it A+. It writes eight lines: auto, home, renters, motorcycle, specialty property, RV, pet, and life. The tradeoff: it writes in all 50 states and Washington, D.C. against Liberty Mutual's all 50 states.
Liberty Mutual has written auto since 1912 and writes through Liberty Mutual group companies. The tradeoffs: it drew 0.94 on the 2025 complaint index against Progressive's 0.74, AM Best rates it A against Progressive's A+, and it writes six lines against Progressive's eight.
Both companies state by state, and their filed rates trade the lead by address. A national average will not predict which one wins for you. For the same driver in the same state, either can return the lower number.
About two minutes. No effect on your credit score.
Side by side
Progressive vs Liberty Mutual: the data sheet
Sources are listed under the measured figures. How we compare
Progressive | Liberty Mutual | |
|---|---|---|
| Built for | Standard drivers, plus non-standard tiers | Drivers who buy direct and customize coverage online |
| Who underwrites it | Progressive group companies | Liberty Mutual group companies |
| Complaints per policyProgressive, ahead of Liberty Mutual | 0.74 367 complaints on $10.4B written | 0.94 57 complaints on $1.3B written |
NAIC complaint index, 2025, private passenger auto · Progressive Direct Ins. Co. vs LM General Ins. Co. · 1.00 is the industry median | ||
| Financial strengthBoth strong; Progressive a step higher | A+ Superior | A Excellent |
AM Best financial strength rating · A++ is the highest issued | ||
| Coverage you can buyProgressive, if you want to bundle | 8 lines auto, home, renters, motorcycle, specialty property, rv, pet, life | 6 lines auto, home, renters, life, umbrella, motorcycle |
| PriceNot rated | Filed state by state, priced to the driver. The main factors are below. | |
| Mobile appEffectively tied | 4.83 804,275 ratings | 4.79 484,458 ratings |
Apple App Store, August 2026 | ||
| SR-22 filing | Yes | Yes |
| Telematics program | Snapshot | RightTrack |
| Availability | All 50 states and Washington, D.C. | Available in all 50 states |
| Known for | Bundling, Name Your Price, usage-based discounts | RightTrack discounts, online policy customization |
In practice
Where they differ
The complaint records
On the NAIC's 2025 complaint index, Progressive Direct Ins. Co. drew 0.74 and LM General Ins. Co. drew 0.94, against an industry median of 1.00. The index weighs a company's complaint count against the volume expected for its size, so 1.00 is the industry median and a lower number is fewer complaints than expected.
Financial strength
AM Best rates Progressive A+ and Liberty Mutual A. A++ is the highest grade AM Best issues. The grade measures the company's ability to pay claims, not its service or its price.
Who underwrites each one
Progressive policies are written by Progressive group companies. Liberty Mutual policies are written by Liberty Mutual group companies. The brand on the advertising and the company on the policy are often different entities, and the complaint figures on this page belong to the named companies.
What each one covers
Progressive writes eight lines and Liberty Mutual writes six lines. Progressive writes auto, home, renters, motorcycle, specialty property, RV, pet, and life. Liberty Mutual writes auto, home, renters, life, umbrella, and motorcycle. If auto is all you need, the difference costs you nothing.
Price
Which is cheaper: Progressive or Liberty Mutual?
Neither company is reliably cheaper. What sets the price:
The record sets the range. A ticket, an at-fault accident, or a moves the two prices by different amounts, and the direction is not consistent between states. A quote on the real record is what separates them.
Availability decides some matchups. Progressive writes in all 50 states and Washington, D.C. Liberty Mutual writes in all 50 states. Where only one of them writes in your state, the comparison answers itself.
Telematics moves the number. Both run a program: Snapshot at Progressive, RightTrack at Liberty Mutual. A telematics program measures driving through an app or a plug-in device and adjusts the price on the result. The size of that adjustment is filed per state.
One application. Real prices from the carriers writing in your state.