Nationwide vs. Progressive Auto Insurance in 2021

It’s time to compare Nationwide vs. Progressive auto insurance rates. This guide will walk you through Nationwide and Progressive car insurance coverages, discounts, and reviews. You can secure cheap auto insurance quotes by comparing companies online and shopping until you find the best rates. Enter your ZIP code below to get free quotes from Nationwide, Progressive, and other local companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Feb 9, 2021

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A Concise Overview

  • Nationwide and Progressive are two of the top auto insurance companies in the United States.
  • Progressive has a much larger market share than Nationwide.
  • If you have an accident on your driving record, you can save more money with Nationwide.
  • Despite its smaller market share, Nationwide provides more coverage options than Progressive.

Since you’ve narrowed your search for insurance to Nationwide and Progressive, it’s time to compare Nationwide vs. Progressive auto insurance coverage. Our guide has everything you need to know about Nationwide vs. Progressive auto insurance rates, discounts, and reviews.

If Nationwide and Progressive are in your local area, you can compare auto insurance quotes by entering your ZIP code in the free comparison tool above.

Nationwide vs. Progressive Auto Insurance: Which company is the cheapest?

We have many auto insurance rates to show you, but let’s examine how Nationwide vs. Progressive match up.

Nationwide vs. Progressive Summary
SummaryNationwide Auto Insurance StatsProgressive Auto Insurance Stats
Year Founded19261937
HeadquartersOne West Nationwide Blvd. Columbus, OH 43215-22206300 Wilson Mills Road, W33 Cleveland, OH 44143-2182
Available in how many states?All States47
Direct Premiums$6.6 Billion$32.2 Billion
Market Share3%12%
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Nationwide and Progressive provide reliable car insurance options that you can get at an affordable cost per month. Cheap auto insurance can be easy to come by under the right circumstances. Read on to learn more about how to find cheap insurance.

If you want a closer look at these companies, go check out our Progressive auto insurance review for more information.

Which is cheapest by driving record?

If you want to save money on your auto insurance policy, aim for a clean driving record. No accidents, traffic violations, or DUIs means lower car insurance rates per month. Let’s see how Nationwide and Progressive measure up.

Average Monthly Nationwide vs. Progressive Auto Insurance Rates Based on Driving Record
Driving Record SummaryNationwide Monthly Auto Insurance RatesProgressive 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
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Nationwide is the winner when it comes to cheap auto insurance rates based on driving records. However, Progressive’s DUI-based car insurance is less expensive than Nationwide’s.

Which is cheapest by credit score?

Did you know auto insurance companies do soft checks on your credit score? Auto insurance providers check your credit as a way to assess your risk level.

According to some car insurance companies, lower credit scores equal higher chances of filing claims.

If your credit happens to improve while you’re insured, be sure to alert your auto insurance company. The better your credit, the more affordable the car insurance rate.

How does that go over with Nationwide and Progressive? Let’s see car insurance rates from both companies based on credit score.

Average Monthly Nationwide vs. Progressive Auto Insurance Rates by Credit Scores
Credit Score SummaryNationwide Monthly Auto Insurance RatesProgressive Monthly Auto Insurance Rates
Good Credit (670-739)$244$302
Fair Credit Score (580-669)$271$330
Poor Credit Score (300-579)$340$395
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Once again, Nationwide is cheaper than Progressive.

Which is cheapest by age and gender?

Age and gender are two important factors when determining auto insurance rates. Gender is associated with the level of risk, and age correlates to the policyholder’s driving experience.

So how do Nationwide and Progressive calculate these risks to their auto insurance rates? Let’s look at the results below.

Average Monthly Nationwide vs. Progressive Auto Insurance Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusNationwide Monthly Auto Insurance RatesProgressive Monthly Auto Insurance Rates
Married 35-year-old female$197$191
Married 35-year-old male$199$181
Married 60-year-old female$178$166
Married 60-year-old male$185$171
Single 17-year-old female$480$724
Single 17-year-old male$598$802
Single 25-year-old female$224$225
Single 25-year-old male$241$230
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Both companies show promise here. Progressive is cheaper for older, married drivers. Nationwide on the other hand is less expensive for young and single drivers.

Auto insurance for teens may be expensive, but you can use discounts to lower monthly premiums.

Which is cheapest by coverage level?

Coverage levels are also known as coverage limits. When you get a car insurance quote, you’ll have the option to choose between the minimum car insurance requirements or a higher coverage level.

The more coverage you need, the more you’ll pay for auto insurance per month. How much do you have to pay for auto insurance based on coverage level at Nationwide and Progressive? Let’s look at the research below.

Average Monthly Nationwide vs. Progressive Auto Insurance Based on Coverage Level
Coverage Level SummaryNationwide Monthly Auto Insurance RatesProgressive Monthly Auto Insurance Rates
Low Coverage Level (Depends on State)$283$311
Medium Coverage Level (50/100/50)$287$335
High Coverage Level (100/300/100)$292$363
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Although Nationwide is cheaper, Progressive auto insurance rates aren’t far off from its competitor’s prices. Progressive may be more expensive, but it may also have better service.

Which is cheapest by commute mileage?

Did you know auto insurance companies provide discounts to drivers who drive less? When you drive less, you decrease your chances of getting into an accident and filing a claim.

Some companies don’t bother increasing your car insurance rates, no matter the number of miles you’re estimated to drive. Let’s review auto insurance rates determined by commute mileage.

Average Monthly Nationwide vs. Progressive Auto Insurance Rates by Commute Mileage
Estimated Commute MileageNationwide Monthly Auto Insurance RatesProgressive Monthly Auto Insurance Rates
10 Miles Commute (6,000 miles/yr)$286$336
25 Miles Commute (12,000 miles/yr)$289$337
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Both companies show a minimal increase in auto insurance rates when you drive more during the policy period. However, Nationwide is still more affordable than Progressive.

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Nationwide vs. Progressive Auto Insurance Coverage

If you’re convinced that cheaper isn’t better, let’s compare Nationwide vs. Progressive auto insurance coverage plans. One of these car insurance companies may have something that you need.

Comparing Nationwide and Progressive Auto Insurance Coverage Options
Nationwide Auto Insurance CoveragesProgressive Auto Insurance Coverages
Bodily Injury LiabilityBodily Injury Liability
Property Damage LiabilityProperty Damage Liability
Medical Payments coverageComprehensive
Collision coverageCollision
Comprehensive coverageUnderinsured
Uninsured & Underinsured Motorist CoverageUninsured Motorist
Personal Injury ProtectionMedical Payments
GAP CoverageLoan/Lease Payoff
Rental Car ExpenseRental Car Reimbursement
Roadside AssistanceCustom Parts and Equipment Value
Accident ForgivenessRideshare Coverage
Vanishing DeductibleRoadside Assistance
Total Loss Deductible WaiverDeductible Savings Bank
Towing and Labor Coverage
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Nationwide has more coverage but lacks rideshare coverage and custom parts insurance. If you add more coverage, you’ll pay for car insurance. However, you can lower these high prices with discounts.

Nationwide vs. Progressive Auto Insurance: Who has more discounts?

When deals are applied to your auto insurance policy, you can save hundreds of dollars. With that being said, where do Nationwide and Progressive stand regarding discounts? Let’s compare discount values in the research.

Comparing Nationwide vs. Progressive Auto Insurance Discounts
Auto Insurance Discount NameNationwide Discount ValuesProgressive Discount Values
Accident ForgivenessVariesN/A
Accident-Free DiscountVariesN/A
Affinity group discountVariesN/A
Anti-Theft Device Discount5%5%
Continuous Coverage DiscountN/AVaries
Defensive Driver Discount10%Varies
Discount FinderN/AVaries
Driving Habits DiscountVariesN/A
E-billing DiscountN/AVaries
Family Discount25%N/A
Farm Bureau Discount10%N/A
Good Credit DiscountN/A84%
Good Driver Discount10%26%
Good Student Discount15%10%
Home Owner DiscountN/AVaries
Low Mileage DiscountN/AVaries
Loyalty DiscountN/AVaries
Military DiscountN/AVaries
Multiple Policy Discount25%10%
Multiple Vehicle Discount20%30%
No lapse in coverage discountN/AVaries
Organization Discount10%N/A
Paid in full discountN/AVaries
Paperless documents discountVariesVaries
Passive Restraint DiscountN/A10%
Preferred payment discountVariesVaries
Prepay DiscountN/AVaries
Provider Switch DiscountN/AVaries
Signing documents when you buy online discountN/AVaries
SmartRide discount10%N/A
Starting your auto quote online discountN/AVaries
Student Away at School DiscountN/A10%
teenSMART DiscountN/AVaries
Youth Driving DiscountN/AVaries
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Nationwide is cheaper, but Progressive has more effective discounts. When discounts work together, they cut costs by a lot.

Try bundling your policies, also. Nationwide pet insurance and Nationwide retirement are examples that you can bundle with your auto insurance to save money.

Nationwide and Progressive Highlights & Car Insurance Reviews

Now that you know about Nationwide and Progressive auto insurance rates, it’s time to look at some company reviews. We split the reviews into three categories:

  • Pros and Cons
  • Financial Strength and Credit Ratings
  • Mobile App Reviews

These ratings and reviews will help you make a confident choice when you finally decide which company to purchase from. You may go in another direction. The mission is to get you the coverage you need.

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Pros and Cons

This wouldn’t be a reliable guide without pros and cons. The list of advantages and disadvantages will help you compare both companies and see which one is best for you.

Comparing Pros and Cons of Nationwide vs. Progressive Auto Insurance
Nationwide ProsNationwide ConsProgressive ProsProgressive Cons
Choice of an agent or buying coverage directly.Customer satisfaction ratings are average to below-averageProvides non-standard auto insuranceVehicles worth $150,000 or more can't get a Progressive policy
One-stop shopping with lots of bundling optionsNo rideshare insurance availablePet injury is covered under collision insuranceRates about average under J.D. Power
Rates are below average in most statesFewer add-on options than many other companiesVarious insurance options to bundle with auto insuranceProgressive quotes may check your credit
Custom equipment and loan payoff policies
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Did we miss something? Many car insurance customers work through their needs and their budget as they read through the details. Revisit the sections above to get some reassurance about Nationwide and Progressive.

Financial Strength and Credit Ratings

A company that manages money well can provide you with better service and give you more options. Nationwide and Progressive are in the top ten list for market share, but what do their financial strength and credit rating look like? Let’s examine their ratings.

Nationwide vs. Progressive Auto Insurance Financial Strength and Credit Ratings
AgenciesNationwide RatingsProgressive Ratings
AM BestA+ (Excellent)A+ (Excellent)
Better Business Bureau (BBB)AA-
Moody'sA1 (Good)A2 (Good)
S&PA+ (Good)AA (Very Strong)
NAIC Complaint Index1.451.33
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8887
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Based on the ratings, Nationwide is slightly better under financial strength and credit ratings. However, Progressive’s direct premiums are almost five times higher than Nationwide’s.

Mobile App Ratings

The smartphone experience has become essential to consumers. To access any Nationwide insurance or Progressive insurance policy, you have to create an account with them.

Visit each companies’ website, create a Nationwide insurance login or Progressive insurance login. You can use your Nationwide or Progressive login on the company’s app.

Let’s see how Nationwide and Progressive apps performed on iOS and Android.

Nationwide vs. Progressive Mobile App Ratings
Smart Device Stores/SystemsNationwide Mobile App Star RatingsProgressive Mobile App Star Ratings
Apple App Store (iOS)2 stars3 stars
Google Play Store (Android)3 stars4 stars
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Progressive’s app appears to perform better than Nationwide’s. To get the full experience, you’ll need to buy a policy, create a login, and start using the app.

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Progressive or Nationwide: Which company is best for you?

Nationwide is the cheapest company when compared to Progressive. However, Progressive has an impressive market share and sells more policies than Nationwide. Progressive also has more discounts, which may overtake Nationwide’s spot as the cheaper company.

To see how Nationwide vs. Progressive auto insurance quotes work for you, enter your ZIP code in the free online quote tool below.

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