Nationwide vs. Progressive Auto Insurance (2024)
Comparing Nationwide vs. Progressive car insurance rates shows Nationwide insurance is cheaper than Progressive for those with a speeding ticket or accident on their record as well as for teen drivers; Progressive auto quotes are cheaper for drivers with a DUI. External ratings of Nationwide vs. Progressive auto insurance companies reveal both having an A+ from A.M.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: May 19, 2024
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- On average, Nationwide insurance is cheaper than Progressive insurance
- Progressive auto insurance rates are cheaper for married drivers
- Progressive insurance ratings are better overall
Both Nationwide and Progressive are on the list of the top 10 best auto insurance companies, but which company is the best option based on your personal characteristics?
We’ll compare Nationwide insurance vs. Progressive insurance rates based on age, driving record, and credit history to see which one can give you a better deal.
We’ll also compare available Progressive and Nationwide insurance discounts and ratings from agencies with a credible and trustworthy view of Nationwide vs. Progressive auto insurance companies.
Read now to learn more about affordable Nationwide vs. Progressive auto insurance, and enter your ZIP code above to compare auto insurance quotes from multiple companies in your area.
Is Nationwide car insurance cheaper than Progressive?
Nationwide auto insurance is cheaper than Progressive car insurance. On average, Nationwide car insurance rates are $242 per month, while Progressive car insurance quotes average $317 per month.
However, monthly rates vary. Several personal factors determine auto insurance rates, including age, gender, marital status, driving record, and even credit score.
Continue reading our Nationwide vs. Progressive insurance review below to see how each factor affect Nationwide car insurance quotes and Progressive insurance rates for cars.
Nationwide vs. Progressive: Which company is cheapest by age, gender, and marital status?
The cheapest company for you will depend on these personal factors.
Let’s look at the monthly Progressive Nationwide’s auto quotes by age, gender, and marital status.
Nationwide vs. Progressive Average Monthly Auto Insurance Rates by Age
| Age, Gender, and Marital Status | Nationwide Average Monthly Auto Insurance Rates | Progressive Average Monthly Auto Insurance Rates |
|---|---|---|
| Married 60-year-old female | $178 | $166 |
| Married 60-year-old male | $185 | $171 |
| Married 35-year-old female | $197 | $191 |
| Married 35-year-old male | $199 | $181 |
| Single 25-year-old female | $224 | $225 |
| Single 25-year-old male | $241 | $230 |
| Single 17-year-old female | $480 | $724 |
| Single 17-year-old male | $598 | $802 |
Although Nationwide has a more affordable vehicle insurance than the national average, Progressive insurance is cheaper for married drivers and single 25-year-old drivers.
However, parents can find cheaper rates for teen drivers at Nationwide. Keep in mind that some of these rates will vary because some states have outlawed gender-based car insurance discrepancies.
Nationwide vs. Progressive: Which company is cheapest by driving record?
Nationwide auto insurance reviews reveal that Nationwide insurance costs are cheaper by driving record, but certain infractions could make them more expensive than Progressive car insurance costs.
Let’s compare Progressive insurance rates with Nationwide’s to see which is cheaper by driving record.
Nationwide vs. Progressive Average Monthly Auto Insurance Rates by Driving Record
| Driving Record Summary | Nationwide Average Monthly Auto Insurance Rates | Progressive Average Monthly Auto Insurance Rates |
|---|---|---|
| Clean Driving Record | $229 | $283 |
| With 1 Speeding Violation | $259 | $334 |
| With 1 Accident | $283 | $398 |
| With 1 DUI | $379 | $331 |
Overall, Nationwide has cheaper car insurance than Progressive, but Progressive offers cheap car insurance for DUI-convicted drivers.
The best way to secure cheap car insurance is to maintain a clean driving record. A speeding ticket has minimal effect, but multiple violations can increase your rates by hundreds of dollars.
Nationwide vs. Progressive: Which company is cheapest by credit score?
Nationwide and Progressive issues less expensive car insurance rates when your credit history is good. Let’s compare Nationwide and Progressive auto insurance based on credit score.
Nationwide vs. Progressive Average Monthly Auto Insurance Rates by Credit Score
| Credit Score Summary | Nationwide Average Monthly Auto Insurance Rates | Progressive Average Monthly Auto Insurance Rates |
|---|---|---|
| Good Credit (670-739) | $244 | $302 |
| Fair Credit Score (580-669) | $271 | $330 |
| Poor Credit Score (300-579) | $340 | $395 |
Good credit produces the most affordable rates. Fair and poor credit generate much higher rates. Although both companies have monthly rates under $400, Nationwide is still the cheaper company.
Keep in mind that if you are a food delivery driver, you will need to purchase Nationwide or Progressive commercial auto insurance.
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Nationwide vs. Progressive: Auto Insurance Coverage Options
You’ve seen how much it costs. But what do Nationwide and Progressive provide with their auto insurance?
Nationwide has more coverage options, but that doesn’t make Progressive a bad company. Companies often make up for a lack of coverage with other insurance products. For instance, Progressive or Nationwide roadside assistance is available to auto insurance policyholders.
At the moment, Progressive carries more insurance products overall than Nationwide. This means Nationwide has fewer opportunities for you to bundle with other insurance policies.
However, both companies have pet insurance. If pet insurance is important to you, compare Progressive pet insurance rates vs. Nationwide pet insurance to see which company has better coverage.
Progressive vs. Nationwide Auto Insurance Discounts
Car insurance discounts are one of the best ways to significantly lower your rates. Most auto insurance companies offer many of the same discounts, such as good student and multi-policy discounts.
Let’s match up Progressive and Nationwide car insurance discounts below.
Nationwide vs. Progressive Auto Insurance Discounts
| Auto Insurance Discount Name | Nationwide Discount Values | Progressive Discount Values |
|---|---|---|
| Accident Forgiveness | Varies | N/A |
| Accident-Free Discount | Varies | N/A |
| Affinity group discount | Varies | N/A |
| Anti-Theft Device Discount | 5% | 5% |
| Continuous Coverage Discount | N/A | Varies |
| Defensive Driver Discount | 10% | Varies |
| Discount Finder | N/A | Varies |
| Driving Habits Discount | Varies | N/A |
| E-billing Discount | N/A | Varies |
| Family Discount | 25% | N/A |
| Farm Bureau Discount | 10% | N/A |
| Good Credit Discount | N/A | 84% |
| Good Driver Discount | 10% | 26% |
| Good Student Discount | 15% | 10% |
| Home Owner Discount | N/A | Varies |
| Low Mileage Discount | N/A | Varies |
| Loyalty Discount | N/A | Varies |
| Military Discount | N/A | Varies |
| Multiple Policy Discount | 25% | 10% |
| Multiple Vehicle Discount | 20% | 30% |
| No lapse in coverage discount | N/A | Varies |
| Organization Discount | 10% | N/A |
| Paid in full discount | N/A | Varies |
| Paperless documents discount | Varies | Varies |
| Passive Restraint Discount | N/A | 10% |
| Preferred payment discount | Varies | Varies |
| Prepay Discount | N/A | Varies |
| Provider Switch Discount | N/A | Varies |
| Signing documents when you buy online discount | N/A | Varies |
| SmartRide discount | 10% | N/A |
| Starting your auto quote online discount | N/A | Varies |
| Student Away at School Discount | N/A | 10% |
| teenSMART Discount | N/A | Varies |
| Youth Driving Discount | N/A | Varies |
Progressive has more discount opportunities, but you’ll have to consider which discounts you are personally eligible for.
Any anti-theft or safety features on your vehicle can save you money. If you’re insuring your teen or young adult child, you can save money through a student discount.
When you get your Progressive or Nationwide auto insurance quotes, be sure to ask about discounts that may not be listed on the companies’ websites.
Nationwide vs. Progressive: Which company has better third-party ratings?
Before you make a decision, you should know about Nationwide and Progressive auto insurance ratings. But why are ratings important?
Third-party ratings can give you reassurance about a company’s financial standing. Let’s see how Nationwide and Progressive auto insurance ratings from financial strength and credit rating agencies.
Nationwide vs. Progressive Company Ratings
| Agencies | Nationwide Ratings | Progressive Ratings |
|---|---|---|
| AM Best | A+ | A+ |
| Better Business Bureau (BBB) | A | A |
| Moody's | A1 | Aa |
| S&P | A+ | AA |
| NAIC Complaint Index | 1.45 | 1.33 |
| J.D. Power - Power Circle Ratings | About Average | About Average |
| Consumer Reports | 88 | 87 |
| Apple App Store (iOS) | 2 stars | 3 stars |
| Google Play Store (Android) | 3 stars | 4 stars |
Although Nationwide car insurance rating and Progressive rating from A.M. Best is the same, Progressive car insurance has better ratings overall. The Progressive app ratings are much better than Nationwide’s app ratings.
Nationwide and Progressive customers can view their insurance records, locate their ID cards, and pay bills using their Nationwide login or Progressive login.
Under J.D. Power’s 2020 Auto Insurance Claims Study, both companies rated about average, but Nationwide insurance has a higher ranking than Progressive.
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Nationwide vs. Progressive Auto Insurance: What’s the bottom line?
Nationwide and Progressive are both great companies, but Nationwide has more affordable insurance rates on average. However, discounts and certain personal factors can significantly lower your Progressive monthly rates.
Teens and young adults can save more money with Nationwide. Look into Progressive’s car insurance discounts and bundling opportunities to see how much you can save.
Before you buy Progressive vs. Nationwide auto insurance, enter your ZIP code to compare multiple auto insurance companies in your area.
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Frequently Asked Questions
What is the difference between Nationwide and Progressive auto insurance?
Nationwide and Progressive car insurance comparison shows that both are two well-known auto insurance companies in the United States. While both companies offer auto insurance coverage, there are some differences between them.
Which company has a better reputation, Nationwide or Progressive?
Both Nationwide and Progressive have established reputations in the insurance industry. However, reputations can vary depending on individual experiences and regional factors. It is advisable to research and compare customer reviews, ratings, and feedback specific to your location and personal needs to determine which company aligns better with your preferences.
Are the coverage options provided by Nationwide and Progressive similar?
Nationwide and Progressive offer similar types of coverage options, including liability coverage, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and more. However, the specific details, policy limits, and optional add-ons may vary between the two companies. It is essential to review the coverage details and policy documents of each company to understand the specifics.
Which company offers better discounts and benefits, Nationwide or Progressive?
Both Nationwide and Progressive offer various discounts and benefits to policyholders. The availability and extent of discounts can differ based on factors such as location, driving history, vehicle type, and policy details. To determine which company provides better discounts and benefits for your specific situation, it is recommended to request quotes from both companies and compare the offerings.
How can I obtain a quote from Nationwide and Progressive?
You can obtain a quote from Nationwide and Progressive through their respective websites or by contacting Progressive or Nationwide insurance customer service representatives directly. Each company typically requires you to provide details such as your personal information, vehicle information, driving history, and desired coverage options to generate an accurate quote.
Is Nationwide cheaper than Progressive?
Progressive is known for offering competitive rates, especially for high-risk drivers, while Nationwide tends to have more stable rates.
How much is Progressive car insurance?
On average, Progressive’s full coverage policies can range from $100 to $150 per month.
How much is Nationwide car insurance?
On average, full coverage policies with Nationwide can range from $108 to $158 per month.
Are Progressive and Nationwide the same company?
No, Progressive and Nationwide are two separate companies, each offering their own range of insurance products.
Is Nationwide a good insurance company?
Yes, Nationwide insurance is good because it has a strong financial rating and offers a variety of coverage options, good customer service, and numerous discounts.
Is Progressive a good auto insurance company?
Yes, Progressive is considered a good auto insurance company. It offers competitive rates, a wide range of coverage options, and strong customer service.
Who owns Nationwide insurance?
Nationwide is a mutual insurance company, which means it is owned by its policyholders.
What is Nationwide insurance?
Nationwide is a large insurance and financial services company based in the U.S. It offers a range of insurance products, including auto, home, life, and business insurance, as well as financial services like retirement plans and investment products.
Why is Nationwide insurance so expensive?
If you find Nationwide insurance to be expensive, it could be due to factors such as your location, driving history, the type of coverage you have, or even the discounts you qualify for.
Is Nationwide insurance going out of business?
As of now, there are no indications that Nationwide insurance is going out of business. Nationwide is a financially stable company with a strong market presence.
Why is Progressive so cheap?
Progressive is considered a cheap option for many customers because it offers a variety of discounts and a usage-based insurance program, Progressive’s Snapshot.
Is Progressive the cheapest car insurance company in the U.S.?
Progressive is known for offering competitive rates, but it is not the cheapest insurer.
Does Nationwide offer gap insurance?
Yes, Nationwide offers gap insurance as an optional coverage for its auto insurance policies.
Does Progressive offer paperless discount?
Yes, Progressive’s paperless discount is available to customers who choose to receive their policy documents and billing statements electronically.
How to find Nationwide insurance agent near you?
On the Nationwide website, look for the “Find an Agent” link, usually located at the top or bottom of the page. Click on “Find an Agent” to access the agent locator tool.