Nationwide vs. Progressive Auto Insurance in 2024 (Head-to-Head Review)
Nationwide vs. Progressive auto insurance shows that Progressive provides lower rates starting at $39/month, while Nationwide averages $44 per month and offers extensive coverage and bundling discounts. This comparison highlights the differences in coverage and overall value for customers seeking auto insurance.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Nov 20, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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3,019 reviewsCompany Facts
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13,128 reviewsNationwide vs. Progressive auto insurance has cheaper quotes starting at $39 per month with discounts for safe drivers; however, Nationwide shines on bundling, averaging at $44 per month.
Progressive auto insurance is ideal for savings and flexibility, while Nationwide Mutual Insurance Company excels in customer service and policy variety. Read on for more insights into the cheapest auto insurance companies.
Nationwide vs. Progressive Auto Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.5 | 4.4 |
| Business Reviews | 4.5 | 4.0 |
| Claim Processing | 3.5 | 3.5 |
| Company Reputation | 4.5 | 4.5 |
| Coverage Availability | 5.0 | 5.0 |
| Coverage Value | 4.3 | 4.2 |
| Customer Satisfaction | 4.0 | 4.1 |
| Digital Experience | 4.5 | 4.5 |
| Discounts Available | 5.0 | 5.0 |
| Insurance Cost | 4.4 | 4.3 |
| Plan Personalization | 4.5 | 4.5 |
| Policy Options | 4.7 | 5.0 |
| Savings Potential | 4.6 | 4.5 |
| Nationwide Review | Progressive Review |
Nationwide auto insurance is ideal for family groups and has programs for young drivers who have selected Progressive insurance. Don’t miss comparing a few insurance quotes as you try to pick the best fit.
Discover affordable Nationwide vs. Progressive auto insurance and compare quotes by entering your ZIP code.
- Progressive’s rates start at $39 for drivers with clean records
- Nationwide offers 25% off for bundling home and auto insurance
- Progressive’s Snapshot can give discounts of up to 30% for safe driving
Nationwide Car Insurance Is Cheaper Than Progressive
Nationwide auto insurance averages $44 monthly, cheaper than Progressive’s $39. However, rates vary based on age, driving record, and credit score. Keep reading our Nationwide vs. Progressive review to see how each factor influences your rate.
Nationwide vs. Progressive: The Cheapest Company 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 auto quotes by age, gender, and marital status.
Nationwide vs. Progressive Full Coverage Auto Insurance Monthly Rates by Age & Gender
| Age & Gender | | |
|---|---|---|
| Age: 16 Female | $411 | $801 |
| Age: 16 Male | $476 | $814 |
| Age: 30 Female | $124 | $131 |
| Age: 30 Male | $136 | $136 |
| Age: 45 Female | $113 | $112 |
| Age: 45 Male | $115 | $105 |
| Age: 60 Female | $99 | $92 |
| Age: 60 Male | $104 | $95 |
Although Nationwide has 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. Remember that some rates will vary because some states have outlawed gender-based car insurance discrepancies.
Nationwide vs. Progressive: The Cheapest Company 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 Full Coverage Auto Insurance Monthly Rates by Driving Record
| Driving Record | | |
|---|---|---|
| Clean Record | $115 | $105 |
| Not-At-Fault Accident | $161 | $186 |
| Speeding Ticket | $137 | $140 |
| DUI/DWI | $237 | $140 |
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: The Cheapest Company by Credit Score
Nationwide and Progressive offer lower car insurance rates for those with good credit histories. Let’s compare the auto insurance options from Nationwide and Progressive based on credit scores.
Monthly Auto Insurance Rates for Nationwide vs. Progressive by Credit Score
| Credit Score | | |
|---|---|---|
| Good Credit (670-739) | $244 | $302 |
| Fair Credit (580-669) | $271 | $330 |
| Poor Credit (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 cheaper. Remember to purchase Nationwide or Progressive commercial auto insurance if you are a food delivery driver.
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Nationwide vs. Progressive: Auto Insurance Coverage Options
You’ve seen how much it costs. But what do Nationwide and Progressive offer with their auto insurance? Nationwide has more coverage options, but that does not make Progressive a lousy company. Companies often make up for a lack of coverage with other insurance products.
Progressive is famous for offering relatively low premiums, primarily because of its usage-based programs, Snapshot, which provide discounts based on good driving behavior. Competitive pricing and easy-to-use online tools contribute to popularity among frugal drivers.
Why is progressive so cheap?!
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Both Progressive and Nationwide provide roadside assistance for auto insurance policyholders. However, Progressive offers so many other types of insurance that you can bundle significantly few other policies with this one. You might be thinking: Can you have two auto insurance policies? They can help you maximize your coverage and save money.
However, both companies also have pet insurance. If pet insurance is essential for one’s family, compare Progressive pet insurance rates to Nationwide pet insurance to see which company has better coverage.
Progressive vs. Nationwide Auto Insurance Discounts
Car insurance discounts are among the best ways to lower your rates significantly. Most auto insurance companies offer many of the same deals, such as good student and multi-policy discounts. Let’s match up Progressive and Nationwide car insurance discounts below.
Nationwide vs. State Farm Auto Insurance Discounts by Savings Potential
| Discount | | |
|---|---|---|
| Multi-Policy | 10% | 17% |
| Safe Driver | 10% | 10% |
| Good Student | 5% | 8% |
| Low Mileage | 7% | Varies |
| Paperless Billing | 4% | 5% |
| Defensive Driving Course | 7% | 10% |
| Accident-Free | N/A | 15% |
| Anti-Theft Device | 5% | 10% |
| Defensive Driving | 10% | 5% |
Progressive has more discount opportunities, but you must 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, ask about discounts not listed on the companies’ websites.
Nationwide vs. Progressive: A Comparison of 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 reassure you about a company’s financial standing.
Progressive's $39 rate is ideal for budget-focused drivers, while Nationwide's $44 rate offers value through extensive bundling discounts and reliable customer service.Justin Wright Licensed Insurance Agent
Let’s see how Nationwide and Progressive auto insurance ratings from the financial strength and credit rating agencies. Although Nationwide’s car insurance rating and Progressive’s rating from A.M. Best are the same, Progressive car insurance has better ratings overall. The Progressive app ratings are much better than Nationwide’s app ratings.
Insurance Business Ratings & Consumer Reviews: Nationwide vs. Progressive
| Agency | | |
|---|---|---|
 | Score: 855 / 1,000 Above Avg. Satisfaction | Score: 832 / 1,000 Avg. Satisfaction |
 | Score: A+ Excellent Business Practices | Score: A+ Excellent Business Practices |
 | Score: 75/100 Positive Customer Feedback | Score: 72/100 Avg. Customer Feedback |
 | Score: 0.78 Fewer Complaints | Score: 1.11 More Complaints Than Avg. |
 | Score: A+ Superior Financial Strength | Score: A+ Superior Financial Strength |
Customers of Nationwide and Progressive can access their insurance records, locate ID cards, and pay bills through their Nationwide or Progressive logins. Reading about how auto insurance companies check driving records is essential, as it affects your insurance rates.
Both companies rated about average under J.D. Power’s 2020 Auto Insurance Claims Study, but Nationwide Insurance ranks higher than Progressive.
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Nationwide Pros & Cons
Pros
- Comprehensive Bundling Options: Nationwide offers shallow bundled house and auto insurance, thus making it one of the cheapest for families.
- Excellent Customer Service: Clients give great ratings about Nationwide customer care because it is always helpful, responsive, and friendly when filing claims or asking questions
- Substantial Discounts for Young Drivers: Nationwide offers customized discounts for young drivers to reduce their expenses even more while traveling.
Cons
- Higher Average Rates: Nationwide’s average monthly rates are slightly higher than some of its competitors, which might not attract a tight-budgeted driver.
- Limited Availability in Some Regions: Nationwide isn’t available in all states, making it unavailable to some customers. See more in our “Nationwide Auto Insurance Review.“
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Progressive Pros & Cons
Pros
- Competitive Pricing: Progressive quotes start at $39, making it one of the most affordable options for drivers with clean records. Explore our “Progressive Auto Insurance Review” for more details.
- Snapshot Program Discounts: Their snapshot program rewards safe driving behavior and even gives up to 30 percent discount to ensure responsible driving and additional savings.
- Easy Online Quote Process: The website is accessible, offering customers ease in comparing prices and identifying which coverage to meet their demands.
Cons
- Mixed Customer Service Reviews: Progressive’s customer service could be better for several customers, creating frustration in the claims process.
- Complex Policy Options: Due to Progressive having so many policy options and add-ons, customers might get confused about making the best selection for the appropriate plan to meet their requirements.
Recap: Nationwide vs. Progressive Auto Insurance
Nationwide and Progressive are 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 benefit from significant savings with Nationwide, so it’s worth checking out. Additionally, read the “State Auto Insurance Review” to explore Progressive’s car insurance discounts and bundling for the best insights into potential savings.
For affordable auto rates, enter your ZIP code to compare multiple auto insurance companies in your area.
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Frequently Asked Questions
What are the main differences in coverage between Progressive vs. Nationwide?
The primary difference in coverage is that Nationwide offers more extensive options for bundling home, renters, and life insurance policies. At the same time, Progressive is well-known for customizable policies with affordable starting rates, especially for safe drivers. Progressive appeals to budget-conscious drivers, whereas Nationwide provides additional perks for multi-policy holders.
How does a Nationwide car insurance review rate their claims process and customer service?
Nationwide receives generally positive marks for customer service and claims handling. People comment on responsive support and how easy claims are to file. However, claims experience is very geographically dependent. Overall, satisfaction is higher in those who bundle policies or use Nationwide’s preferred repair shops.
What do Progressive auto insurance reviews say about their rates for different driver profiles?
Progressive receives positive reviews for competitive rates for safe drivers and clean records, though rates may be higher for drivers with incidents. The Snapshot program offers discounts based on safe driving habits, providing flexibility to adjust rates for auto insurance for different types of drivers.
How do policies and rates compare between Progressive vs. Mercury?
Mercury is much cheaper, especially for clients without blemishes on their records. Progressive, however, offers more conveniences and user-friendliness, like mobile applications to manage policies or fill claims. Even though Mercury would suffice for a budget-driven driver, Progressive’s discounts and digital amenities appeal to the tech-inclined customer.
Which offers better coverage options, USAA vs Nationwide?
USAA is known for its comprehensive coverage and competitive rate options for military members and their families. While offering broad coverage, Nationwide is best suited for civilians seeking customizable policies and bundling options. USAA often has lower rates but limited eligibility, while Nationwide is available to all drivers.
What are the top pros and cons of Progressive vs Amica auto insurance?
Progressive provides discounts for safe drivers but may increase rates after past incidents. On the other hand, Amica excels in customer service and claims support, earning high ratings in the Amica auto insurance review despite having fewer discounts available.
How can drivers find accurate Progressive auto quotes?
To get the most accurate Progressive auto quotes, drivers should enter detailed information about their driving record, vehicle type, mileage, and location. Progressive’s website and mobile app offers real-time quote adjustments and Snapshot users can further adjust rates by tracking safe driving habits. Get free quotes for the cheapest auto insurance by filling in your ZIP code here.
Which company is better for young drivers, Progressive vs State Farm?
State Farm is often more affordable for young drivers, providing competitive rates and student discounts. Progressive, however, offers the Snapshot program for additional savings, though young drivers with clean records may find lower rates with State Farm. Both have flexible options, but State Farm’s discounts make it a popular choice for young drivers.
Is Progressive good insurance for high-risk drivers?
Progressive is a solid choice for high-risk drivers, offering SR-22 filings and flexible options for those with past violations. Premiums may be higher, but Progressive’s Snapshot program helps make cheap SR-22 auto insurance more accessible.
Which has more affordable options, Progressive vs The General?
The General typically offers more affordable rates for high-risk drivers or those with poor credit, while Progressive provides more discounts and flexibility for safe driving. The General’s policies are designed for budget-conscious drivers, but Progressive’s broader offerings and customer support attract a more comprehensive range of drivers.
How does customer satisfaction differ between Nationwide vs. Erie?
Erie often does better for customers in terms of satisfaction, especially where its offerings are most robust, due to its friendly service and seamless claims process. Nationwide also fares well but is marked by some robust digital tools and bundling opportunities that favor customers who need flexibility as much as comprehensive coverage.
Which provides better deals for safe drivers, Nationwide vs Root car insurance?
Root typically offers significant savings to safe drivers through its app-based tracking system, while Nationwide discounts accident-free records and multi-policy bundling. Gain a deeper understanding through our “Root Auto Insurance Review.”
Which company offers more extensive coverage, Liberty Mutual vs. Progressive?
Liberty Mutual offers many add-ons, from roadside assistance to new and better car replacements. Progressive stresses being thorough regarding customizable options for the driver, including accident forgiveness or even deductible savings, and is excellent for those looking for flexibility rather than extensive add-ons.
What are some Progressive insurance similar companies that drivers might consider?
Drivers looking for similar options to Progressive may consider Geico, State Farm, or Allstate, as these companies offer competitive rates and customizable policies. Companies like Liberty Mutual also provide additional add-ons and digital tools that appeal to drivers seeking flexibility and affordability.
Are premiums more affordable with Nationwide vs. Geico?
Geico generally offers lower premiums than Nationwide, especially for safe drivers. However, Nationwide can be more affordable if you bundle multiple policies, like auto and home. Gain deeper insights by perusing our article “Geico Defensive Driving Course Review.”
Which is more competitive for comprehensive policies, State Farm vs. Progressive?
State Farm is competitive in offering comprehensive policies with intense claims satisfaction and affordable options for safe drivers, while Progressive provides flexibility and customization. State Farm’s bundling discounts and reliable service appeal to families, while Progressive’s Snapshot program attracts budget-conscious drivers.
How do safe driving discounts compare for Root vs. Nationwide?
Root’s discounts are performance-based through app tracking, often offering deep savings for safe drivers. Nationwide, meanwhile, provides steady discounts for accident-free records and bundling, offering predictable savings without tracking requirements.
Is Progressive good for multi-vehicle coverage?
Progressive is an excellent option for multi-vehicle coverage, offering discounts for insuring multiple vehicles on one policy. Its customizable features and bundling discounts make it cost-effective, so reading about the best multi-vehicle auto insurance discounts is important for families with several cars.
How do claims and rates compare in Amica vs Progressive auto insurance?
Amica usually gets the best praise for claims satisfaction and transparent rates of charge, which appeal to people who value excellent service. Progressive has a lower starting rate and saves money for safe drivers, although Amica’s rates would be more stable for a wider variety of driver profiles.
Are Nationwide and Progressive the same company, or do they operate differently?
Nationwide and Progressive are not the same company but separate entities. Nationwide focuses on a broader range of bundling options, while Progressive is known for customizable auto insurance and affordable rates. Use our free comparison tool below to see what auto insurance quotes look like in your area.
Which has better reviews for customer satisfaction, Progressive vs. Erie?
Erie’s focus on personalized service often appeals to customers, while Progressive’s tech-driven options attract those seeking convenience. Dive deeper into our “Erie Auto Insurance Review” for a comprehensive understanding.
Why is Progressive so cheap for specific drivers?
Its Snapshot program follows the driving patterns and reduces premiums based on performance, giving affordable lower rates for safe drivers. Its coverage options also offer flexibility in tailoring policies to suit clients’ budgets, making them cheaper for cost-conscious customers.
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
