Head-to-head comparison
Liberty Mutual vs Progressive
Liberty Mutual exited the California personal-auto market and retired its Safeco personal-lines branding under the Liberty Mutual label for new business in recent years; Progressive became the #1 U.S. personal-auto writer by direct premium on a trailing-twelve-months basis in May 2026. For shoppers outside California, both are available. Where they actually differ: Progressive publishes a notably deeper standard add-on menu (Loan/Lease Payoff, Deductible Savings Bank, Pet Injury), Progressive's Snapshot telematics has a larger published upside with transparent ~2-in-10 surcharge probability, and the two carriers sit at the same Superior AM Best tier but under separate ownership structures.
Pick Liberty Mutual if you…
- Want New Car Replacement: total your car in year 1 under 15,000 miles and get a new car.
- Want Original Parts Replacement so covered repairs use OEM parts.
- Want RightTrack, which earns up to 30% at renewal (opt out early and a surcharge can apply).
Pick Progressive if you…
- Financed or leased a vehicle and want Loan/Lease Payoff (gap-equivalent, up to 25% of ACV).
- Modified or customized your vehicle and need Custom Parts coverage (up to $5,000, where available).
- Want Snapshot: avg $164 sign-up / $328 completion (about 2 of 10 drivers see a rate increase).
At a glance
Where these two actually differ
State availability and the California exit
Liberty Mutual stopped writing new personal-auto business in California as part of a broader property-insurance retrenchment; existing policyholders in California are notified separately as policies renew. Outside California, Liberty Mutual writes personal auto nationally. Progressive writes in all 50 states and D.C. For California shoppers, Progressive is the realistic option between these two.
Coverage breadth and endorsement menu
Progressive publishes a notably deep add-on menu: Loan/Lease Payoff (gap-equivalent, up to 25% of actual cash value), Deductible Savings Bank ($50 credit per claim-free six-month period), Pet Injury bundled with collision ($1,000 limit), Custom Parts and Equipment up to $5,000, and rideshare coverage in select states. Liberty Mutual's menu covers the mainstream lines (gap, accident forgiveness, new-car replacement, better-car replacement, rental, roadside) with its signature OEM parts coverage included on new vehicles in the first few model years. For shoppers who want OEM-parts coverage as a baseline, Liberty Mutual is the clearly-fit quote.
RightTrack vs Snapshot
Progressive Snapshot pairs the industry's largest published upside with transparent downside: ~$328 average discount at six-month program completion, $164 average sign-up discount, and about 2 of 10 drivers see a rate increase at program completion. Snapshot is not available in California; the sign-up discount is not available in Hawaii or New York. Liberty Mutual RightTrack is a 90-day plug-in-device or mobile-app program with an upfront discount for enrollment and a one-time final discount at completion based on driving behavior. RightTrack has historically been structured as a discount-only program at the back end (no surcharge for most states), making it a lower-downside choice for drivers uncertain about their behavior.
Counterparty strength
AM Best affirmed Liberty Mutual Group at A (Excellent) on September 10, 2025 and revised its Long-Term Issuer Credit Rating outlook to Positive from Stable on October 8, 2026, affirming the FSR A (Excellent) and the a / a+ Long-Term ICRs at the operating subsidiaries. AM Best affirmed Progressive at A+ (Superior) with stable outlook on May 1, 2026, citing $11.3B 2025 net income. Progressive sits one tier higher on the AM Best FSR scale; the Liberty Mutual October 2026 action is a direction-of-travel positive signal within the Excellent tier. Both carriers remain comfortably above most consumer-facing thresholds.
Direct-channel scale and shopping path
Progressive runs direct (Progressive.com, mobile app, call center) alongside a substantial independent-agent channel. Liberty Mutual is predominantly direct (LibertyMutual.com, phone, mobile app) with modest agent presence; Safeco (a separate affiliate) is Liberty Mutual Group's independent-agent personal-lines brand. For self-service digital shoppers, both work well. For shoppers who want an independent agent, Progressive supports both motions natively while Liberty Mutual Group routes agent shoppers through Safeco instead.
Claims-satisfaction signal (2025 J.D. Power)
The 2025 J.D. Power U.S. Auto Insurance Study placed both carriers near the national mass-market mean on claims satisfaction. Liberty Mutual has drawn publisher scrutiny for complaint-ratio variance across its underwriting subsidiaries (NAIC Consumer Information Source shows the state-level per-entity view, which is more reliable than aggregated national numbers). Progressive scored similarly mid-range in trade-press reporting of regional results. On a single claim, the specific adjuster and policy endorsements drive outcome more than survey averages.
Telematics side by side
Liberty Mutual
Program RightTrack
Tracks hard_braking, speed, phone_use, time_of_day, mileage
Can raise rate? Yes
Enrollment max up to 15%
Renewal max up to 30%
State exclusions AR, CA, HI, MT, NC, ND, SD, WA, WY
In some states, risky-driving scores can produce a higher renewal premium rather than a discount. Multiple authoritative publisher reviews (NerdWallet Dec 2025; WalletHub 2026; Insurify 2026) report this. Treat the "up to 30% off" headline as conditional.[13]
Progressive
Program Snapshot
Tracks hard_braking, acceleration, phone_use, mileage, time_of_day
Can raise rate? Yes
Enrollment max Average sign-up discount of $164 per Progressive's own Snapshot page
Renewal max Average program-completion discount of $328; usually applies at the six-month policy renewal following enrolment
State exclusions CA
Progressive itself states that "your rate may increase with high-risk driving" and that "only about 2 out of 10 drivers actually get an increase." Not available in California. The sign-up discount is not available in Hawaii or New York; Progressive excludes NC/HI/NY/MT from its Snapshot savings claims. Progressive explicitly advises drivers to "avoid driving between 12 a.m. and 4 a.m. on weekends." Phone use is only considered in some states and when you choose the mobile app rather than the device.[2]
Financial strength
Liberty Mutual
AM Best FSR A (Excellent)
Long-Term ICR a+ (Excellent) for Liberty Mutual Insurance Company (per AM Best disclosure); a (Excellent) at the Liberty Mutual Holding Company level
Outlook Stable
Affirmed Oct 8, 2026
On October 8, 2026 AM Best revised the Long-Term ICR outlook to Positive from Stable for Liberty Mutual Holding Company Inc. (LMHC) and its subsidiary, citing improvement in balance-sheet strength metrics and significant equity growth in the last two years. The underlying FSR A (Excellent) and Long-Term ICRs of "a" (Excellent) were affirmed in the same action, consistent with the September 10, 2025 affirmation of FSR A and the operating subsidiary "a+" Long-Term ICR.[4]
Progressive
AM Best FSR A+ (Superior)
Long-Term ICR aa (Superior)
Outlook Stable
Affirmed May 1, 2026
AM Best affirmed FSR A+ (Superior) and Long-Term ICR "aa" (Superior) of The Progressive Corporation and its members on May 1, 2026, stable outlook. The affirmation cited an increase in underwriting profit in 2025 driven by lower personal and commercial auto accident frequency, lower weather-related catastrophe losses, and favorable prior-accident-year development, with the group reporting $11.3B in net income in 2025 vs $8.5B in 2024. A+ (Superior) is one tier below A++.[1]
Coverage differences
| Coverage | Liberty Mutual | Progressive |
|---|---|---|
| Accident forgiveness | OfferedNot available in CA, HI, OK (common category carve-outs; confirm by ZIP). | — |
| Better Car Replacement | OfferedTotaled at any age reimburses the value of a car one model year newer with 15,000 fewer miles. Not traditional gap insurance. | — |
| Collision | Offered | — |
| Comprehensive and collision | — | OfferedOptional first-party coverages. |
| Comprehensive | Offered | — |
| Custom Parts and Equipment (CPE) | — | OfferedReimbursement for covered custom modifications, subject to $5,000 limit. |
| Deductible Fund | Offered | — |
| Deductible Savings Bank | — | Offered$50 credit toward collision or comprehensive deductible for each violation- and claim-free six-month policy period. |
| Gap | Offered | — |
| Lifetime Repair Guarantee | Offered | — |
| Loan/Lease Payoff (gap-equivalent) | — | OfferedUp to 25% of the vehicle's actual cash value if totaled while you still owe on it. |
| Mechanical breakdown | Offered | — |
| New Car Replacement | OfferedTotaled in year 1 and under 15,000 miles reimburses the cost of a new car (not depreciated value). Distinct from Better Car Replacement. | — |
| Original Parts Replacement (OEM parts) | Offered | — |
| Pet Injury Coverage | — | OfferedAutomatically included when you add collision; $1,000 limit for veterinary expenses if your pet is injured in a covered accident. |
| Renters insurance add-on | — | OfferedAvailable in select states to bundle renters coverage into a single policy. |
| Trip Interruption | — | OfferedIn states where available: $500 daily max with $100 lodging / $50 transportation / $50 food per day. |
| Vehicle Protection | — | OfferedCovers major system repairs, minor dents/dings, and lost/stolen keys for vehicles under 7 years old also carrying liability + comprehensive + collision. |
| Liability | Offered | OfferedState minimums vary; higher limits generally available. |
| Medical payments | Offered | OfferedOptional in most states. |
| Personal injury protection | OfferedWhere state requires. | OfferedOffered in some states. |
| Rental reimbursement | Offered | OfferedUp to policy limits during covered repairs. |
| Rideshare coverage | Offered | OfferedAvailable as add-on for policyholders logged into rideshare or delivery apps, offered in select states. |
| Roadside assistance | Offered | OfferedTowing, lock-out, tire changes, fuel/fluid delivery. |
| Uninsured and underinsured motorist | Offered | OfferedRequired or optional depending on state. |
Dated events that specifically move this matchup
Affects Liberty MutualLiberty Mutual exited California personal-auto new businessJun 1, 2024
Liberty Mutual stopped writing new personal-auto policies in California as part of a broader property-insurance retrenchment in the state. Existing California policyholders are notified individually at renewal. Outside California, Liberty Mutual continues to write personal auto nationally.[7]
Affects ProgressiveAM Best affirmed Progressive at A+ (Superior) with stable outlook (May 1, 2026)May 1, 2026
$11.3B 2025 net income (vs $8.5B 2024); affirmation cited lower auto accident frequency and favorable prior-year development. Progressive became #1 by trailing-twelve-months direct premiums in May 2026.[1]
Who should quote each
Pick Liberty Mutual ifNational-brand shopper outside California or OEM-parts baseline
- You are outside California (Liberty Mutual exited new California personal-auto business); Liberty Mutual writes in the rest of the U.S.
- You want OEM parts coverage included on your new vehicle in its first few model years without buying a separate endorsement.
- You want a telematics program with limited back-end surcharge exposure (RightTrack is structured primarily as a discount program).
- You bundle home + auto and want a national-brand bundle, with Safeco as a sibling independent-agent option.
Pick Progressive ifDirect-channel, coverage-breadth, or Snapshot-upside shopper
- You want the deepest published add-on menu: Loan/Lease Payoff, Deductible Savings Bank, Pet Injury bundled with collision, Custom Parts and Equipment.
- You want the Snapshot ceiling ($328 avg completion discount) and accept the ~2-in-10 surcharge probability.
- You're a California shopper; Progressive is the realistic choice between these two.
- You're shopping after a DUI; publisher comparisons at prior audit put Progressive materially cheaper than most direct competitors.
Quote both ifStandard-profile shoppers outside California
- Clean-record standard profiles: Progressive's direct-channel scale often prices below Liberty Mutual, but local-state filings can flip the answer.
- Multi-vehicle households: both carriers publish multi-vehicle credit; stack varies state by state.
- Telematics-curious shoppers: compare the Snapshot ceiling-plus-downside posture against RightTrack's primarily-discount posture.
- Shoppers in states where Liberty Mutual's rate filings have risen recently vs Progressive's filings have stayed flat: parallel quote within the state to see the current gap.
Get real quotes from Liberty Mutual and Progressive on your own profile.
Compare car insurance quotesCommon questions
Is Liberty Mutual or Progressive cheaper?
For most clean-record standard profiles outside California, Progressive's direct-channel pricing is at or below Liberty Mutual at the headline level. Specific state filings can flip the answer. The reliable approach is parallel quotes at identical coverage limits.
Does Liberty Mutual write in California?
Liberty Mutual stopped writing new personal-auto business in California as part of a broader property-insurance retrenchment. Existing California policyholders are handled individually at renewal. Outside California, Liberty Mutual writes personal auto nationally.
Which has better claims service?
Both carriers scored near the national mass-market mean on the 2025 J.D. Power Auto Claims Satisfaction Study. Neither leads the ranking. Liberty Mutual has drawn publisher scrutiny for complaint-ratio variance across its underwriting subsidiaries; use the state-level NAIC lookup for the entity that writes in your state.
How does RightTrack compare to Snapshot?
RightTrack is a 90-day plug-in-device or mobile-app program at Liberty Mutual with an upfront discount for enrollment and a one-time final discount based on behavior; it has historically been structured primarily as a discount program. Snapshot runs for six months with a sign-up discount, continuous behavior tracking, and a disclosed ~2-in-10 probability of a rate increase at program completion.
Does Liberty Mutual still own Safeco?
Liberty Mutual Group owns Safeco; Safeco is Liberty Mutual Group's independent-agent personal-lines brand. Liberty Mutual retired the Safeco personal-lines brand for Liberty Mutual's direct channel but Safeco continues to write through its own independent-agent channel.
Should I quote both?
Yes, if you are outside California. Direct-channel pricing varies state by state and the specific telematics mechanics differ enough to be worth checking in parallel.
Sources & methodology
- Liberty MutualAM Best: Liberty Mutual Holding Company Inc. rating press release (historical reference) (AM Best)
- Liberty MutualAM Best via Business Wire: Affirms Credit Ratings of Liberty Mutual Holding Company Inc. and Subsidiaries (September 10, 2025); FSR A (Excellent); ICR a / a+ at operating subsidiaries; Stable outlook. (AM Best via Business Wire)
- Liberty MutualAM Best via Business Wire mirror: Revises Issuer Credit Rating Outlook to Positive of Liberty Mutual Holding Company Inc. and Its Subsidiary (October 8, 2026); FSR A (Excellent) and Long-Term ICRs of "a" (Excellent) affirmed; cited equity growth and improved balance-sheet strength metrics. (AM Best via Yahoo Finance / Business Wire mirror)
- Liberty MutualIllinois DOI: Liberty Mutual Group Code 111 writing-entity list (Illinois Department of Insurance)
- Liberty MutualInsurance Business magazine: Liberty Mutual retires Safeco brand (April 25, 2026) (Insurance Business)
- Liberty MutualCBS San Francisco: Liberty Mutual non-renewals in California (Jan 1, 2026 start) (CBS San Francisco)
- Liberty MutualJ.D. Power 2025 U.S. Auto Insurance Study (regional overall satisfaction) (J.D. Power)
- SharedJ.D. Power 2025 U.S. Auto Claims Satisfaction Study (J.D. Power)
- Liberty MutualNerdWallet: Liberty Mutual Auto Insurance Review (updated Dec 22, 2025) (NerdWallet)
- Liberty MutualValuePenguin: Liberty Mutual Insurance Review (2026) (ValuePenguin)
- Liberty MutualWalletHub: Liberty Mutual full-coverage cost reference (2026) (WalletHub)
- Liberty MutualWalletHub: Liberty Mutual RightTrack review (2026) (WalletHub)
- Liberty MutualLibertyMutual.com: Medical Payments Coverage product page (Liberty Mutual)
- Liberty MutualLibertyMutual.com: New Car Replacement product page (Liberty Mutual)
- Liberty MutualLibertyMutual.com: Original Parts Replacement product page (Liberty Mutual)
- Liberty MutualNAIC Consumer Information Source (per-entity complaint and financial lookup) (National Association of Insurance Commissioners)
- ProgressiveAM Best via Business Wire: AM Best Affirms Credit Ratings of The Progressive Corporation and Its Subsidiaries (May 1, 2026 affirmation); FSR A+ (Superior); outlook stable (AM Best via Business Wire)
- ProgressiveProgressive: Snapshot program page (behaviors tracked, published averages, state availability) (Progressive)
- ProgressiveProgressive: Auto insurance discounts page (Progressive)
- ProgressiveProgressive: Auto insurance coverages page (Progressive)
- ProgressiveNerdWallet: Progressive Car Insurance Review (September 2026 modeled rates) (NerdWallet)
- ProgressiveValuePenguin: Progressive Insurance Review (modeled full-coverage rate) (ValuePenguin)
- ProgressiveInsurance Information Institute: Facts + Statistics: Auto Insurance (NAIC private-passenger market share, most recent year) (Insurance Information Institute)
- ProgressiveAgency Checklists: NAIC 2025 Market Share, Top 25 Private Passenger Auto Insurers (secondary reporting of NAIC 2025 direct-premiums-earned data) (Agency Checklists)
- ProgressiveS&P Global Market Intelligence: Progressive now No. 1 US private auto insurer for full 12 months, estimates show (May 2026, trailing 12 months ending March 31 2026) (S&P Global Market Intelligence)
- ProgressiveThe Progressive Corporation: Form 10-K, fiscal year 2025 (SEC EDGAR) (U.S. Securities and Exchange Commission)
- ProgressiveCarrier Management: Why Progressive's Customer Scores Lag State Farm, GEICO (secondary reporting on 2025 J.D. Power U.S. Auto Insurance Study) (Carrier Management)
- ProgressiveJ.D. Power: 2025 U.S. Insurance Digital Experience Study (press release) (J.D. Power)
- ProgressiveNational Association of Insurance Commissioners: Consumer Information Source (complaint index lookup by insurer) (NAIC)
Every pivot and matrix cell on this page traces to a source listed above. Shared sources (e.g. NAIC Consumer Information Source, J.D. Power press-release landing pages) are attributed to both carriers.