Nationwide vs. Progressive Auto Insurance (2021)
Comparing Nationwide vs. Progressive auto insurance rates shows Nationwide is cheaper for those with a speeding ticket or accident on their record as well as for teen drivers; Progressive 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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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Jun 22, 2021
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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 vs. Progressive auto 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 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.
Table of Contents
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, while Progressive insurance is $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 the sections below to see how each factor affects Nationwide insurance and Progressive insurance rates.
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 Nationwide and Progressive monthly rates by age, gender, and marital status.
| 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 |
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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. 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 car insurance costs are cheaper by driving record, but certain infractions could make them more expensive than Progressive car insurance costs.
Let’s compare auto insurance from both companies to see which is cheaper 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 |
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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. Let’s compare Nationwide and Progressive auto insurance based on 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 |
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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 Nationwide vs. Progressive pet insurance to see which company has better coverage.
Nationwide vs. Progressive: Available 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 Nationwide and Progressive savings opportunities below.
| 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 |
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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 Nationwide and Progressive 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’s 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 are rated by the top financial strength and credit rating agencies.
| 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 |
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Although Nationwide and Progressive have the same A.M. Best rating, Progressive 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 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 average rates. 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 Nationwide vs. Progressive auto insurance, enter your ZIP code to compare multiple auto insurance companies in your area.