Nationwide vs. Progressive: Pros & Cons (2021)
When it comes to Nationwide vs. Progressive auto insurance, both companies are pretty evenly matched. While Nationwide auto insurance is cheaper for teenagers and people with poor credit, Progressive insurance is cheaper for all other age groups and if you have a DUI. Nationwide and Progressive also have similar financial and customer satisfaction ratings.
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UPDATED: Jul 18, 2021
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- When you compare Nationwide vs. Progressive rates, Nationwide is cheaper for younger drivers, but Progressive is cheaper if you have DUI
- Both companies have similar financial and customer service ratings
- You can apply multiple discounts to your Nationwide or Progressive auto insurance to get lower rates
You have a lot of choices when it comes to the best auto insurance companies, and comparing Nationwide vs. Progressive side by side will help you narrow down your options.
To see which one best suits your needs, we will look at Nationwide vs. Progressive auto insurance companies’ rates, discounts, financial ratings, and customer satisfaction ratings.
You don’t have to just compare Nationwide and Progressive to find the best companies. Enter your ZIP code to receive free quotes from a variety of auto insurance companies near you.
Is Nationwide or Progressive auto insurance cheaper?
You may be surprised to learn all of the factors that auto insurance companies use to determine your rates. Common factors used are your age, driving history, and credit score.
All of these will be used to determine how affordable Nationwide vs. Progressive auto insurance is for you. Since everyone will be different, rates will vary.
First, we’ll look at Nationwide vs. Progressive auto insurance rates by demographics. We all know that younger drivers are charged higher rates, but let’s look at just how much age affects auto insurance rates.
|Age, Gender, and Marital Status||Nationwide Average Annual Rates||Progressive Average Annual Rates|
|Single 17-year-old female||$5,756.37||$8,689.95|
|Single 17-year-old male||$7,175.31||$9,625.49|
|Single 25-year-old female||$2,686.48||$2,697.73|
|Single 25-year-old male||$2,889.04||$2,758.66|
|Married 35-year-old female||$2,360.49||$2,296.90|
|Married 35-year-old male||$2,387.43||$2,175.27|
|Married 60-year-old female||$2,130.26||$1,991.49|
|Married 60-year-old male||$2,214.62||$2,048.63|
Progressive auto insurance rates are more expensive for 17-year-old drivers but are cheaper for all other age groups.
Your driving record is another significant factor that auto insurance companies consider when determining your rates. You’ll pay even more on your policies when you have accidents, tickets, or DUIs than if you have a clean driving record.
|Driving Record||Nationwide Average Annual Rates||Progressive Average Annual Rates|
|With 1 accident||$3,396.95||$4,777.04|
|With 1 DUI||$4,543.20||$3,969.65|
|With 1 speeding violation||$3,113.68||$4,002.28|
Nationwide is cheaper unless you have DUI, then Progressive insurance is less expensive.
You may also be surprised to hear that your auto insurance rates are influenced by your credit score. Insurance companies believe that you’re less likely to file a claim and are more able to pay for damages out of pocket if you have a higher credit score.
|Credit History||Nationwide Average Annual Rates||Progressive Average Annual Rates|
Nationwide insurance is cheaper than Progressive no matter what your credit score is.
There are a few states, like California and Michigan, that don’t allow auto insurance companies to look at your credit score to determine your rates. Make sure to check your state’s laws before deciding on a company based on how they factor your credit score into your rates.
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Does Nationwide or Progressive have better auto insurance discounts?
You can significantly lower your auto insurance rates if you add discounts to your policy. Most companies offer common discounts based on the number of cars you have, your job, and if you are a safe driver.
This table shows you the available discounts through Nationwide and Progressive. If the amount of the discount is known, it is included as well. Take a look and see which company offers you the most discounts.
|Adaptive Cruise Control||x||x|
|Daytime Running Lights||5%||x|
|Electronic Stability Control||x||x|
|Forward Collision Warning||x||x|
|Lane Departure Warning||x||x|
|Students & Alumni||7%||N/A|
Although both companies offer a lot of auto insurance discounts, the discounts will vary by company. For example, Nationwide offers an occupation discount and Progressive doesn’t. Progressive offers a continuous coverage discount and Nationwide doesn’t.
Be sure to ask for any discounts as you compare Nationwide vs. Progressive auto insurance quotes.
How do Nationwide and Progressive compare in financial strength and customer satisfaction?
A.M. Best ranks companies based on how financially stable they are. Nationwide and Progressive earned A+ ratings, showing they both have a superior ability to meet their financial obligations.
Both companies also received an A+ rating from the Better Business Bureau, but Nationwide is accredited while Progressive is not.
J.D. Power raked Nationwide and Progressive on customer satisfaction, including prices, billing, claims, and what is offered. Both Nationwide and Progressive ranked about average, but it varies slightly by region.
Both companies offer mobile apps and websites, and customers can use their Nationwide and Progressive logins to access their insurance information and pay bills. You can also use your Nationwide or Progressive insurance login to access your ID cards when needed.
You can only contact Nationwide customer service during certain hours, but Progressive customer service is available 24/7, making the company easier to contact for quotes and claims services.
Nationwide and Progressive also offer additional coverages, such as roadside assistance. You can also purchase other types of personal coverage, such as Progressive or Nationwide pet insurance protection, and Progressive and Nationwide retirement services are available as well.
Still not sure which company to go with? Enter your ZIP code to compare quotes from several companies near you now that you’ve compared Nationwide vs. Progressive auto insurance.