Progressive vs Liberty Mutual
Progressive and Liberty Mutual both offer customizable auto insurance with liability, collision, comprehensive and a wide range of optional protections. This comparison looks at the specific coverage options, discounts, safe-driving programs and vehicle-protection features that can differ between the two insurers.
Progressive vs Liberty Mutual at a Glance
“`The two companies have many of the same fundamental auto insurance categories, but their optional features and program structures are different. Comparing the actual policy details is important because availability, eligibility, limits and discounts can change by state and customer.
| Feature | Progressive | Liberty Mutual |
|---|---|---|
| Liability coverage | Available | Available |
| Collision & comprehensive | Available | Available |
| Usage-based program | Snapshot® | RightTrack® |
| Loan / gap-related protection | Loan/Lease Payoff, up to 25% of vehicle ACV subject to state terms | Gap Coverage available for eligible financed or leased vehicles |
| New vehicle protection | Vehicle protection options vary by policy/state | New Car Replacement and Better Car Replacement options, subject to eligibility |
| Accident forgiveness | Small, Large and optional Progressive Accident Forgiveness programs may be available | Optional Accident Forgiveness may protect against a rate increase after a first accident if eligible |
| Rental reimbursement | Available | Available |
| Roadside assistance | Available | 24-Hour Roadside Assistance available |
| Rideshare coverage | Available and required when driving for rideshare | Availability depends on state and policy |
| Custom vehicle protection | Custom Parts & Equipment coverage, typically up to $5,000 | Original Parts Replacement and other vehicle protection options |
Car Insurance Coverage Comparison
“`Both insurers provide the major categories drivers commonly compare when building an auto policy. The exact limits, endorsements and availability depend on the state and policy.
| Coverage / Feature | Progressive | Liberty Mutual |
|---|---|---|
| Bodily injury liability | Available for covered liability claims, subject to selected limits. | Available, with limits determined by state and policy. |
| Property damage liability | Available. | Available. |
| Collision | Helps pay to repair or replace the insured vehicle after a covered collision. | Helps pay for damage when the vehicle collides with another vehicle or object. |
| Comprehensive | Covers qualifying non-collision losses such as theft, vandalism and fire. | Covers qualifying damage from incidents other than collision. |
| Uninsured / underinsured motorist | Available where offered and subject to state rules. | Available, with requirements varying by state. |
| Medical payments / PIP | Available depending on state. | Medical Payments and PIP options vary according to state. |
| Rental reimbursement | Can help pay for a rental vehicle after a covered accident, subject to policy limits. | Can help pay for a rental while the insured vehicle is being repaired after an accident. |
| Roadside assistance | Towing, jump-starts, flat-tire service, fuel delivery and lockout assistance can be covered. | 24-hour roadside assistance is an available optional coverage. |
| Rideshare | Rideshare coverage can fill certain gaps while online and waiting for a trip or delivery request. | Rideshare availability and terms depend on state and policy. |
| Custom / original parts | Custom Parts & Equipment coverage typically has a $5,000 limit. | Original Parts Replacement is among the available vehicle coverage options. |
Progressive: Key Auto Insurance Features
“`Loan/Lease Payoff
Progressive offers Loan/Lease Payoff coverage that can help cover the difference between a vehicle’s actual cash value and the amount owed after a covered total loss. The published limit can be up to 25% of the vehicle’s actual cash value, although exact limits vary by state.
Rental Reimbursement
Rental reimbursement can help pay for a rental vehicle when the insured vehicle is damaged in a covered accident, subject to the daily and overall limits selected on the policy.
Custom Parts & Equipment
Progressive offers Custom Parts and Equipment coverage for qualifying modifications such as custom wheels, stereos, navigation equipment and paint work. The published typical limit is $5,000.
Deductible Savings Bank
Eligible customers can add Deductible Savings Bank, which reduces collision or comprehensive deductibles by $50 for each violation- and claim-free six-month policy period, subject to program terms.
Pet Injury Coverage
Progressive states that pet injury coverage can pay up to $1,000 in qualifying veterinary bills when a pet is injured in an accident while riding in the insured vehicle. It is automatically included when collision coverage is added, subject to applicable terms.
Rideshare Coverage
Progressive requires rideshare coverage to be added when a customer drives for a rideshare company. The endorsement can help fill coverage gaps while the driver is logged in and waiting for a ride or delivery request.
Liberty Mutual: Key Auto Insurance Features
“`Gap Coverage
Liberty Mutual offers Gap Coverage that can help cover the difference between a vehicle’s actual value and the remaining loan or lease balance after a qualifying total loss or theft.
New Car Replacement
New Car Replacement can provide funds toward a brand-new vehicle of the same make and model if an eligible new vehicle is totaled or stolen within the first year and before reaching 15,000 miles. Eligibility and state availability apply.
Better Car Replacement
Better Car Replacement can provide funds for a replacement vehicle that is one model year newer and has 15,000 fewer miles than the totaled vehicle, subject to the coverage’s eligibility requirements.
Accident Forgiveness
Liberty Mutual offers optional Accident Forgiveness for eligible customers. The company states that qualifying drivers may have their first accident forgiven without a price increase. Eligibility can include a five-year accident- and violation-free history.
Original Parts Replacement
Original Parts Replacement is among Liberty Mutual’s available vehicle protection options and can help replace damaged parts with qualifying original equipment parts, subject to policy terms.
Deductible Fund
Liberty Mutual also offers its Deductible Fund as an optional feature that can provide funds toward a qualifying deductible, subject to the applicable policy terms.
Progressive vs Liberty Mutual Discounts
“`Discounts can have a meaningful effect on an individual quote, but the two companies use different discount structures. Eligibility is determined by factors such as state, driving history, vehicle, policy configuration and purchase method.
| Discount / Savings Category | Progressive | Liberty Mutual |
|---|---|---|
| Safe driving | Three-year safe driving and five-year accident-free opportunities. | Violation-Free and Claims-Free discounts may apply. |
| Usage-based insurance | Snapshot | RightTrack |
| Multi-policy / bundling | Available for qualifying combinations of policies. | Available for qualifying combinations including home, renters and other products. |
| Multi-car | Published countrywide average discount of 12%, with state variation. | Multi-Car Discount available. |
| Online purchase / quote | Online Quote and Sign Online discounts may apply. | Online Purchase Discount may apply. |
| Paperless / payment | Paperless, Pay in Full and Automatic Payment discounts may be available. | Paperless and Preferred Payment discounts may be available. |
| Student discounts | Good Student and other qualifying discounts may be available. | Good Student and Students Away at School discounts may be available. |
| Homeowner / property | Homeowner discount may be available in qualifying states and situations. | Bundling eligible property policies can provide multi-policy savings. |
Published averages and maximums are not guarantees. Actual discounts vary by state, policy, customer and eligibility.
“`Snapshot vs RightTrack: Safe-Driving Programs
“`Progressive and Liberty Mutual both use telematics programs to connect driving behavior with insurance pricing. The programs use different names and may evaluate somewhat different factors and participation structures.
| Program Detail | Progressive Snapshot | Liberty Mutual RightTrack |
|---|---|---|
| Program type | Usage-based insurance | Telematics / safe-driving program |
| Participation | Mobile app or, where available, a plug-in device; program options vary. | Mobile-app based participation is available through RightTrack. |
| Driving behavior | Can consider hard braking, rapid acceleration, mileage and time of day. | Considers driving behaviors such as smooth braking, acceleration and time of day. |
| Phone use | Mobile-app versions can consider handheld phone use in some states. | Program details and factors depend on the applicable RightTrack version and state. |
| Potential savings | Progressive currently publishes an average $164 participation discount for eligible new customers and an average $328 savings at completion for customers who earned a discount. | Liberty Mutual states that eligible drivers can save up to 30% with RightTrack. |
| Can pricing increase? | Progressive states that high-risk driving can result in a higher renewal rate in applicable states and situations. | Liberty Mutual states that riskier driving behavior can result in a price increase. |
| Availability | Not available in all states; Progressive specifically states it is not available in California. | Availability and program terms vary by state and policy. |
Vehicle Protection: What Changes Between the Two?
“`Progressive Loan/Lease Payoff
Progressive’s Loan/Lease Payoff coverage is designed for situations in which a financed or leased vehicle is stolen or totaled and the amount owed exceeds its actual cash value. Progressive states that the coverage can pay up to 25% of the vehicle’s actual cash value, subject to state limits and policy requirements.
Liberty Mutual Gap Coverage
Liberty Mutual offers Gap Coverage for eligible financed or leased vehicles. It is designed to cover the difference between the vehicle’s actual value and the amount remaining on the loan or lease after a qualifying total loss or theft.
Liberty Mutual New Car Replacement
For eligible new vehicles, Liberty Mutual’s New Car Replacement coverage can provide funds for a brand-new vehicle of the same make and model after a qualifying total loss during the first year and before 15,000 miles.
Liberty Mutual Better Car Replacement
Better Car Replacement is another Liberty Mutual option. Its published description provides for a replacement vehicle that is one model year newer and has 15,000 fewer miles than the totaled vehicle, subject to eligibility.
Accident Forgiveness Comparison
“`| Feature | Progressive | Liberty Mutual |
|---|---|---|
| Small Accident Forgiveness | Progressive states that its Small Accident Forgiveness prevents a rate increase for a first claim under $500. | Liberty Mutual’s Accident Forgiveness is structured as an additional coverage for qualifying customers. |
| Large Accident Forgiveness | Progressive states that eligible long-term customers may qualify after maintaining the required accident- and violation-free history. | Eligible customers can add Accident Forgiveness to protect against a rate increase after a first accident. |
| Optional additional protection | Progressive also offers a purchasable Accident Forgiveness option, subject to state availability. | Accident Forgiveness is an optional coverage and eligibility rules apply. |
Accident forgiveness rules are particularly state-specific. A quote should show whether the feature is included, optional, or unavailable for the specific policy being considered.
“`Which Features Matter for Different Driver Situations?
“`| Driver Situation | Progressive | Liberty Mutual |
|---|---|---|
| Rideshare / delivery driver | Rideshare coverage can be added and is required by Progressive for rideshare driving. | Rideshare-related availability depends on state and policy. |
| Financed or leased vehicle | Loan/Lease Payoff can address certain differences between ACV and amount owed. | Gap Coverage can address the difference between ACV and the remaining balance. |
| Brand-new vehicle | Vehicle protection options may be available depending on the policy and state. | New Car Replacement provides a specific option for eligible newer vehicles. |
| Older vehicle | Drivers can customize comprehensive, collision and deductible choices based on vehicle value and needs. | Coverage can be customized, with optional protections available depending on vehicle and state. |
| Safe-driving program shopper | Snapshot uses actual driving data to personalize pricing. | RightTrack evaluates driving behavior for potential savings. |
| Multiple vehicles | Multi-Car Discount is available, with Progressive publishing a 12% countrywide average. | Multi-Car Discount is available. |
| Home + auto customer | Multi-Policy discounts are available for qualifying policy combinations. | Multi-Policy / bundling discounts are available for qualifying products. |
| Custom vehicle modifications | Custom Parts & Equipment coverage can protect qualifying modifications. | Original Parts Replacement and other vehicle protection options are available. |
Rental, Roadside and Additional Assistance
“`Progressive
- Rental car reimbursement for covered accidents
- Roadside assistance
- Towing and battery jump-start assistance
- Flat-tire and fuel-delivery assistance
- Lockout service
- Rideshare-related protection where available
- Pet injury coverage up to $1,000 under qualifying terms
Liberty Mutual
- Rental Car Reimbursement
- 24-Hour Roadside Assistance
- Towing assistance
- Jump-start assistance
- Gap Coverage
- New Car Replacement
- Better Car Replacement
- Original Parts Replacement
What to Compare Before Requesting a Quote
“`A fair Progressive vs Liberty Mutual comparison should use the same information.
Comparing two premiums is more useful when both quotes use the same driver, vehicle, limits and deductibles. Before requesting quotes, prepare:
- ZIP code and state
- Driver names, ages and licensed-driver information
- Driving history, tickets and accidents
- Vehicle year, make, model and VIN
- Estimated annual mileage
- Current insurance information and continuous coverage history
- Desired bodily injury and property damage liability limits
- Uninsured / underinsured motorist limits where applicable
- Comprehensive and collision deductibles
- Rental reimbursement requirements
- Roadside assistance requirements
- Rideshare or delivery use
- Loan or lease balance
- Available home, renters or other policies for bundling
- Eligibility for telematics programs such as Snapshot or RightTrack
Progressive vs Liberty Mutual FAQ
“`Does Progressive have a safe-driving program?
Yes. Progressive offers Snapshot, a usage-based insurance program that evaluates driving information such as hard braking, rapid acceleration, mileage and time of day. Mobile-app participation can also consider handheld phone use in some states. Program availability and pricing rules vary by state.
Does Liberty Mutual have a safe-driving program?
Yes. Liberty Mutual offers RightTrack. The program evaluates driving behavior such as braking, acceleration and time of day. Liberty Mutual states that eligible drivers can save up to 30%, while some drivers with riskier behavior could see a price increase.
Does Progressive offer gap insurance?
Progressive describes its comparable product as Loan/Lease Payoff coverage. It can help cover the difference between the vehicle’s actual cash value and the amount owed, with Progressive publishing a limit of up to 25% of actual cash value, subject to state terms.
Does Liberty Mutual offer gap coverage?
Yes. Liberty Mutual offers Gap Coverage that can help cover the difference between the vehicle’s value and the remaining loan or lease balance after a qualifying total loss or theft. Eligibility and terms apply.
Does Liberty Mutual offer new car replacement?
Yes. Liberty Mutual offers New Car Replacement for eligible vehicles. Its published requirements include a vehicle less than one year old, fewer than 15,000 miles, comprehensive and collision coverage, no previous owner and no lease, subject to policy and state rules.
Does Progressive offer accident forgiveness?
Progressive currently describes Small Accident Forgiveness, Large Accident Forgiveness and an optional Progressive Accident Forgiveness program. Eligibility and availability vary by state and customer.
Does Liberty Mutual offer accident forgiveness?
Yes. Liberty Mutual offers optional Accident Forgiveness for qualifying customers. The company states that eligible customers may have their first accident forgiven without a price increase, with eligibility potentially requiring a five-year accident- and violation-free history.
Do Progressive and Liberty Mutual offer rental car coverage?
Yes. Both companies offer rental reimbursement coverage. The amount, duration and eligibility depend on the policy selected and applicable state rules.
Are Progressive and Liberty Mutual prices the same in every state?
No. Auto insurance premiums and available coverage options can vary substantially based on state, location, driver history, vehicle, coverage limits, deductibles, discounts and other underwriting factors.
What should I compare besides the monthly premium?
Compare the liability limits, deductibles, comprehensive and collision coverage, uninsured motorist protection, rental reimbursement, roadside assistance, rideshare coverage, gap or loan/lease protection, accident forgiveness, vehicle replacement features and all applicable discounts.
Related Insurance Pages
“`Continue exploring company profiles and other insurance comparisons on Newest Cars Insurance.
“`Compare the Details That Matter to You
Progressive and Liberty Mutual provide different combinations of coverage, discounts and optional protections. The most useful comparison is based on your state, vehicle, driving history, selected limits and the features you actually need.
“` “`