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Nationwide vs. Progressive: Which Car Insurance Is Cheaper?

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 7, 2021

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Key Takeaways

  • 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 car insurance to get lower rates

Both Nationwide and Progressive are on the list of the top 10 best auto insurance companies. Which company will provide the best and cheapest car insurance for you?

We’ll compare Nationwide vs. Progressive auto insurance rates to see which one better suits your needs based on age, driving record, and credit history.

We also compare available discounts and ratings from agencies with a credible and trustworthy view of Nationwide vs. Progressive auto insurance companies.

Keep reading to compare affordable Nationwide vs. Progressive auto insurance quotes, or enter your ZIP code to compare multiple companies in your area.

Is Nationwide or Progressive car insurance cheaper?

You may be surprised to learn all of the factors that car insurance companies use to determine your rates. Common factors include your age, driving history, and credit score.

These factors combined will determine how affordable Progressive vs. Nationwide car insurance quotes are for you. Since everyone will be different, rates will vary.

First, we’ll look at Nationwide vs. Progressive car insurance rates by demographics. We all know that younger drivers are charged higher rates, but let’s see just how much age affects car insurance rates.

Nationwide vs. Progressive Average Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusNationwide Average Annual RatesProgressive 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
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Progressive car insurance rates are more expensive for 17-year-old drivers but cheaper for all other age groups.

Your driving record is another significant factor that car insurance companies consider when determining your rates. You’ll pay even more on your policy if you have accidents, tickets, or DUIs.

Nationwide vs. Progressive Average Annual Car Insurance Rates by Driving Record
Driving RecordNationwide Average Annual RatesProgressive Average Annual Rates
Clean record$2,746.18$3,393.09
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
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Nationwide is cheaper unless you have DUI, then Progressive insurance is the better option.

You may also be surprised to hear that your car insurance rates are influenced by your credit score.

Insurance companies believe that you’re less likely to file a claim and more likely to pay for damages out of pocket if you have a higher credit score.

Nationwide vs. Progressive Average Annual Car Insurance Rates by Credit Score
Credit HistoryNationwide Average Annual RatesProgressive Average Annual Rates
Good$2,925.94$3,628.85
Fair$3,254.83$3,956.31
Poor$4,083.29$4,737.64
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Nationwide insurance is cheaper than Progressive regardless of your credit score.

You may live in a state, such as California or Michigan, where basing car insurance on credit score is illegal.

Check out our car insurance by state page before judging Nationwide vs. Progressive car insurance rates based on credit score alone.

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Does Nationwide or Progressive have better car insurance discounts?

You can significantly lower your car insurance rates if you add discounts to your policy. Most companies offer discounts based on things like the number of cars you have, your job, and how safely you drive.

This table shows you the available discounts from Nationwide and Progressive. If the amount of the discount is known, that is included as well. Take a look and see which company offers you the most discounts.

Nationwide vs. Progressive Car Insurance Discounts
DiscountsNationwideProgressive
Adaptive Cruise Controlxx
Adaptive Headlightsxx
Anti-lock Brakes5%x
Anti-Theft25%x
Claim Free10%x
Continuous CoverageN/Ax
Daytime Running Lights5%x
Defensive Driver5%10%
Distant Student10%x
Driver's EdN/A10%
Driving Device/App40%20%
Early Signing8%x
Electronic Stability Controlxx
Family LegacyN/Ax
Family Plan25%N/A
Forward Collision Warningxx
Full PaymentN/Ax
Further Education15%N/A
Good Creditxx
Good Student10%x
Homeowner5%x
Lane Departure Warningxx
Life InsurancexN/A
Low Mileagexx
Loyalty5%x
Marriedxx
Membership/Group7%N/A
Multiple Policies10%12%
Multiple Vehicles20%10%
Newer VehicleN/Ax
Occupation15%N/A
Online ShopperN/A7%
Paperless Documents5%$50
Paperless/Auto Billing$30x
Passive Restraint20%x
Safe Driver35%31%
Stable Residencexx
Students & Alumni7%N/A
Switching ProviderN/Ax
Vehicle Recovery25%x
VIN Etchingxx
Young DriverN/Ax
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Although both companies offer a lot of car insurance discounts, there are some differences between them.

For example, Nationwide offers an occupation discount and Progressive doesn’t, whereas Progressive offers a continuous coverage discount and you will not get this discount from Nationwide.

Be sure to ask about discounts as you compare Nationwide vs. Progressive quotes, especially if you are a food delivery driver who needs Nationwide or Progressive commercial car insurance.

It also wouldn’t hurt to get Progressive or Nationwide roadside assistance.

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 ranked 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.

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.

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 call the Nationwide customer service number during certain hours, but the Progressive customer service number is available 24/7, making the company easier to contact for quotes and claims services.

Before you buy Nationwide vs. Progressive car insurance, enter your ZIP code to start comparing multiple auto insurance companies in your local area.

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