Can't-Miss Facts

  • On average, Nationwide insurance is cheaper than Progressive insurance
  • Progressive auto insurance rates are cheaper for married drivers
  • Progressive insurance ratings are better overall

Nationwide and Progressive are in the top ten auto insurance companies in the United States. You’re one step closer to buying an auto insurance policy, but you’re not sure how to compare Nationwide vs. Progressive auto insurance.

Don’t worry – we’re here to help. Read through this guide to learn everything about Nationwide vs. Progressive auto insurance rates, coverage options, discounts, third-party ratings, and more.

Are you looking for insurance outside of Nationwide vs. Progressive auto insurance quotes? Enter your ZIP code in the free online quote tool above and compare the best companies near you.

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

Nationwide car insurance is cheaper than Progressive car insurance. On average, Nationwide auto insurance rates are $242 per month, but Progressive insurance is $317 per month.

However, your monthly rates vary. Several personal factors determine auto insurance, including age, gender, marital status, driving record, and even credit score.

Continue reading the subsections below to see how each factor affects Nationwide insurance and Progressive insurance.

Nationwide vs. Progressive: Which company is cheapest by age, gender, and marital status?

The cheapest company depends on the factors. Rather than separate age, gender, and marital status, we grouped them to find a focused estimate that you’ll pay per month.

Let’s look at the Nationwide and Progressive monthly cost by age, gender, and marital status.

Nationwide vs. Progressive Auto Insurance Rates based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusNationwide Average Monthly Auto Insurance RatesProgressive 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
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Although Nationwide auto insurance has a more affordable national average, Progressive is cheaper for married drivers and single, 25-year-old drivers.

However, parents can find cheaper rates for teen drivers at Nationwide. This factor varies by state because some states have outlawed gender-based car insurance.

Nationwide vs. Progressive: Which company is cheapest by driving record?

Nationwide car insurance cost is cheaper by driving record, but certain infractions could make it more expensive than Progressive car insurance cost.

Let’s compare auto insurance from both companies to see which is cheaper by driving record.

Nationwide vs. Progressive Auto Insurance Rates based on Driving Record
Driving Record SummaryNationwide Average Monthly Auto Insurance RatesProgressive 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
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Nationwide insurance is cheaper overall, but Progressive insurance is more affordable 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. But why?

According to Experian, auto insurance companies provide lower prices for customers with good or exceptional credit scores because they’re less likely to file a claim.

What about other credit levels? Let’s compare Nationwide and Progressive auto insurance based on credit score.

Nationwide vs. Progressive Auto Insurance by Credit Scores
Credit Score SummaryNationwide Average Monthly Auto Insurance RatesProgressive 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
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Good credit produces the most affordable rates per month. Fair and poor credit, however, generates higher rates. Although both companies have monthly premiums under $400, Nationwide is still the cheaper company.

For more information about these two companies, read our Nationwide auto insurance review or Progressive auto insurance review for more details.

Nationwide vs. Progressive: Auto Insurance Coverage Options

You’ve seen how much it cost. But what do Nationwide and Progressive provide under auto insurance?

We went through both companies’ websites and found multiple coverage options for customers.

Comparing Nationwide vs. Progressive Auto Insurance Coverages
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 Motorist
Personal Injury ProtectionMedical Payments
GAP CoverageLoan/Lease Payoff
Rental auto ExpenseRental auto Reimbursement
Roadside AssistanceCustom Parts and Equipment Value
Accident ForgivenessRideshare Coverage
Vanishing DeductibleRoadside Assistance
Total Loss Deductible WaiverDeductible Savings Bank
Towing and Labor Coverage
Uninsured & Underinsured Motorist Coverage
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Nationwide has more coverage options, but it doesn’t make Progressive a bad company. Companies often make it up for lack of coverage with other insurance products.

At the moment, Progressive carries more insurance products than Nationwide. This means Nationwide has fewer opportunities to bundle with other insurance policies.

However, both companies have pet insurance. If pet insurance is important to you, compare Nationwide vs. Progressive pet insurance to see which company has better coverage.

Nationwide vs. Progressive: Available Auto Insurance Discounts

As you pursue a policy with Nationwide or Progressive, you must become familiar with potential savings. Another key to car insurance savings is discounts.

But which company has more discounts? Let’s match up Nationwide and Progressive saving opportunities below.

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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Progressive has more discount opportunities, but the discount values depend on your personal factors.

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.

Nationwide vs. Progressive: Which company has better third-party ratings?

Before you make a decision, you should know about Nationwide and Progressive’s ratings. But why are ratings important?

Third-party ratings can add some reassurance for your next purchase. Therefore, we’ll provide insight into how Nationwide and Progressive are rated at the top financial strength and credit rating agencies.

Comparing Nationwide vs. Progressive Ratings
AgenciesNationwide RatingsProgressive Ratings
AM BestA+A+
Better Business Bureau (BBB)AA
Moody'sA1Aa
S&PA+AA
NAIC Complaint Index1.451.33
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8887
Apple App Store (iOS)2 stars3 stars
Google Play Store (Android)3 stars4 stars
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Although Nationwide and Progressive have the A.M. Best rating, Progressive has better ratings overall. Progressive’s mobile app ratings are much better than Nationwide’s.

Under J.D. Power’s 2020 Auto Insurance Claims Study, both companies are about average. However, Nationwide has a higher ranking.

Nationwide vs. Progressive Auto Insurance: What’s best and what’s worse?

Let’s review highlights from both companies in a pros and cons chart.

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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When you stack the advantages and disadvantages, you’ll see that Nationwide has cheaper rates overall, but Progressive manages its money and credit more effectively.

Nationwide vs. Progressive Auto Insurance: What’s the bottom line?

Nationwide and Progressive are great companies, but Nationwide has a more affordable average. However, certain conditions can lower Progressive monthly rates.

Teens and young adults can save more money with Nationwide. When you consider Progressive’s car insurance discounts and bundling opportunities, you may be able to save more.

Now that you know more about Nationwide vs. Progressive auto insurance, use our free comparison tool below to compare multiple companies in your area and find the best rate.