Auto Insurance Comparison
Progressive vs Liberty Mutual vs NJM
Side-by-side comparison of Progressive vs Liberty Mutual vs NJM auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
NJM edges ahead Progressive and Liberty Mutual in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Progressive | Liberty Mutual | NJM | |
|---|---|---|---|
| Overall score | 4.22 /5 ★★★★★ | 3.75 /5 ★★★★★ | 4.35 /5 ★★★★★ Highest overall |
| National rank | #5 | #7 | — |
| Best for | Progressive is the fifth-best car insurance overall with strong telematics savings and pioneering comparison-rate quoting | Liberty Mutual is a major national carrier with a 'pay only for what you need' marketing pitch and broad coverage customization | NJM is a mutual carrier with one of the strongest customer-satisfaction reputations in the industry |
| Read full review | Progressive review → | Liberty Mutual review → | NJM review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Progressive | Liberty Mutual | NJM |
|---|---|---|---|
| Customer experience | 4.40 · #5 | 3.65 · #7 | 4.80 |
| Coverage breadth | 4.70 · #3 | 4.45 · #4 | 4.20 |
| Affordability | 4.55 · #4 | 3.15 · #8 | 4.00 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Progressive
Full review →Pros
- Snapshot® usage-based program offers up to 30% discount for safe drivers
- Name Your Price® tool helps build coverage to fit budgets
- Strong multi-policy discount for bundling home and auto
- Wide availability across all 50 states with strong digital tools
- Robust comparison-quote tool shows competitor rates side-by-side
Cons
- Rates often increase at first renewal after introductory pricing
- Snapshot can also raise rates for risky driving habits like hard braking
- Mixed customer reviews on claims resolution speed
- Less competitive pricing for drivers with multiple incidents on record
Liberty Mutual
Full review →Pros
- Strong coverage customization options
- Broad agent network for in-person service
- Genuinely useful endorsements (better car replacement, lifetime repair guarantee)
- Bundle discounts work even without Liberty home policy
- RightTrack telematics rewards safe drivers up to 30% in some states
Cons
- Above-average premiums for most baseline driver profiles
- Customer satisfaction trails major-carrier average
- Claims experience reports are mixed
- Aggressive bundling and add-on sales during quoting
- Rate-creep at renewal more common than competitors
NJM
Full review →Pros
- Industry-leading customer satisfaction in independent surveys year after year
- Mutual structure means dividends to policyholders, not shareholders
- Strong claims-handling reputation with very low complaint volumes
- Competitive pricing for clean records and mature drivers in its footprint
Cons
- Only available in NJ, PA, OH, MD, and CT — no national availability
- Limited brand presence and ad spend means fewer people know it exists
- Less aggressive on telematics and usage-based programs than digital natives
Coverage at a glance
What each carrier offers in standard policies.
Progressive
Progressive offers a comprehensive coverage menu typical of major car insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Loan/Lease Payoff — Gap between your car's value and the remaining loan balance after a total loss
- Rental Car Reimbursement — Rental costs while your vehicle is repaired from a covered loss
- Custom Parts and Equipment Value — Aftermarket parts and equipment up to selected limits
- Pet Injury Coverage — Veterinary bills for pets injured in a covered accident
Liberty Mutual
Liberty Mutual's coverage breadth is its strongest argument. The 'better car replacement' rider replaces a totaled car with one model year newer; accident forgiveness is available; new car replacement covers depreciation on cars less than one year old. Available customizations exceed what some lower-cost competitors offer.
Add-on coverage
- Accident forgiveness — First at-fault accident doesn't raise rates (terms vary by state)
- New car replacement — Replaces totaled vehicle with current model year if within 1 year of purchase
- Better car replacement — Replaces totaled vehicle with model year newer than yours
- Original parts replacement — OEM parts used in repairs instead of aftermarket
- Lifetime repair guarantee — Repairs at Liberty's authorized network shops carry a lifetime warranty
NJM
The bottom line
Progressive
Progressive earns an overall score of 4.22/5 in QuoteYeti's car insurance provider rankings. The carrier ranks #5 nationally, with particular strength in coverage breadth.
Progressive is best suited for drivers who want a balance of price and service from an established carrier. Rates often increase at first renewal after introductory pricing is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Liberty Mutual
Liberty Mutual works for drivers who can stack 3+ discounts (homeowner + multi-car + telematics) and who value specific endorsements like better car replacement. For typical single-policy drivers, Liberty is rarely the cheapest option, and the customer experience scores don't make up the price gap. Always price Liberty alongside GEICO, Progressive, and Travelers — and lean heavily on the bundling discount if you have home or renters.
Read the full Liberty Mutual reviewNJM
If you're in NJ, PA, OH, MD, or CT, get a quote. NJM is one of the carriers most likely to actually deliver on what every insurance ad promises.
Read the full NJM reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.