Nationwide vs. Progressive Car Insurance: Expert Recommended (2023)
When comparing Nationwide vs. Progressive car insurance, the best place to start is with their pricing. Both companies offer fairly competitive pricing but Nationwide tends to be cheaper. Both companies also offer a wide array of discounts for you to take care of. Furthermore, both companies have the same A+ rating from A.M. Best.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
UPDATED: Jun 17, 2022
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jun 17, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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.
On This Page
- Progressive is cheaper than 19 states’ averages.
- Progressive offers a wide array of discounts, including the popular Snapshot.
- Nationwide tends to offer more competitive pricing than Progressive.
If you’re here with us today you are most likely trying to decide between Nationwide and Progressive as your next, or perhaps first, insurer. So, Nationwide vs. Progressive, which company is best for you?
If you’re looking to get more information about Nationwide, read our article Nationwide Insurance review.
Before you buy car insurance, type your ZIP code into our free tool above to find affordable car insurance quotes in your area. You may even be able to get Progressive insurance or even Nationwide insurance quotes.
What can Nationwide do for you?
When comparing insurers, the best place to start is with the offered prices. Let’s take a look at a table that shows Nationwide’s premiums in the states in which they operate.
State | Average Monthly Rates | Higher or Lower than Average Monthly State Rates | Percent Higher or Lower than Average Monthly State Rates |
---|---|---|---|
Alabama | $221.89 | -$75.36 | -2.11% |
Arkansas | $321.82 | -$21.93 | -0.53% |
Arizona | $291.34 | -$22.91 | -0.61% |
California | $387.77 | $80.36 | 2.18% |
Colorado | $311.62 | -$11.41 | -0.29% |
Connecticut | $306.03 | -$78.88 | -1.71% |
District of Columbia | $404.08 | $34.15 | 0.77% |
Delaware | $360.85 | -$138.01 | -2.31% |
Florida | $361.63 | -$28.41 | -0.61% |
Georgia | $540.41 | $126.51 | 2.55% |
Iowa | $227.95 | -$20.49 | -0.69% |
Idaho | $252.68 | $4.43 | 0.15% |
Illinois | $225.98 | -$49.47 | -1.50% |
Indiana | -- | -- | -- |
Kansas | $206.30 | -$67.00 | -2.04% |
Kentucky | $458.60 | $25.65 | 0.49% |
Maryland | $242.97 | -$138.92 | -3.03% |
Massachusetts | -- | -- | -- |
Michigan | $527.28 | -$347.61 | -3.31% |
Minnesota | $243.87 | -$123.06 | -2.80% |
Missouri | $188.78 | -$88.63 | -2.66% |
Mississippi | $229.71 | -$75.67 | -2.07% |
Montana | $289.86 | $21.45 | 0.67% |
North Carolina | $237.34 | -$45.42 | -1.34% |
North Dakota | $213.36 | -$133.79 | -3.21% |
Nebraska | $217.00 | -$56.65 | -1.73% |
New Hampshire | $207.59 | -$55.06 | -1.75% |
New Jersey | -- | -- | -- |
New Mexico | $292.87 | $4.23 | 0.12% |
Nevada | $289.76 | -$115.38 | -2.37% |
New York | $334.41 | -$23.08 | -0.54% |
Ohio | $275.07 | $49.27 | 1.82% |
Oklahoma | -- | -- | -- |
Oregon | $264.74 | -$24.25 | -0.70% |
Pennsylvania | $233.36 | -$102.84 | -2.55% |
Rhode Island | $367.47 | -$49.48 | -0.99% |
South Carolina | $302.12 | -$12.97 | -0.34% |
South Dakota | $228.14 | -$103.72 | -2.60% |
Tennessee | $285.41 | -$19.66 | -0.54% |
Texas | $322.30 | -$14.64 | -0.36% |
Utah | $248.88 | -$52.11 | -1.44% |
Virginia | $172.75 | -$23.74 | -1.01% |
Vermont | $177.35 | -$92.16 | -2.85% |
Washington | $177.49 | -$77.46 | -2.53% |
West Virginia | -- | -- | -- |
Wisconsin | $435.42 | $134.91 | 3.74% |
Wyoming | $265.60 | -$1.07 | -0.03% |
Average | $265.60 | -$39.47 | -1.08% |
As you can see, out of the 48 states shown, Nationwide operates in 43. As you can also see, out of those 43 states (counting DC as a state), Nationwide’s rates are cheaper than 33 of the states’ averages. That figure is fairly substantial.
Let’s now move on to see how Nationwide is rated.
Nationwide Ratings
Along with pricing, another great way to find out if a company is for you is to analyze how they are rated by companies such as A.M. Best and the Better Business Bureau.
Ratings Agency | Ratings |
---|---|
A.M. Best | A+ |
Better Business Bureau | A+ |
Moody's | A1 |
S&P | A+ |
NAIC Complaint Index | 0.44 |
JD Power | Claims Satisfaction 3/5 Shopping Study 2/5 |
Consumer Reports | 88 |
Consumer Affairs | 2/5 85 reviews |
The fact that A.M. Best and the Better Business Bureau both gave financial strength ratings to Nationwide a sterling A+ rating should be quite encouraging. These ratings indicate not only very few unsettled complaints but also great potential for the company’s future. It is worth noting that Progressive has the same A.M. Best rating of A+.
Now that we’ve gone through Nationwide and seen some encouraging things, let’s move on to Progressive.
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What can Progressive do for you?
Now that we’ve seen Nationwide’s rates in comparison to state averages, let’s compare them with Progressive’s rates.
State | Allstate Average Monthly Rates | American Family Average Monthly Rates | Farmers Average Monthly Rates | Geico Average Monthly Rates | Liberty Mutual Average Monthly Rates | Nationwide Average Monthly Rates | Progressive Average Monthly Rates | State Farm Average Monthly Rates | Travelers Average Monthly Rates |
---|---|---|---|---|---|---|---|---|---|
Alaska | 262.11 | 346.09 | - | 240.00 | 441.30 | - | 255.24 | 185.68 | - |
Alabama | 275.96 | - | 348.82 | 238.88 | 333.79 | 221.89 | 370.88 | 399.85 | 308.15 |
Arkansas | 429.17 | - | 354.82 | 290.39 | - | 321.82 | 442.67 | 232.42 | 497.78 |
Arizona | 408.68 | - | 416.67 | 188.73 | - | 291.34 | 298.13 | 396.35 | 257.06 |
California | 377.75 | - | 416.57 | 240.47 | 252.87 | 387.77 | 237.47 | 350.19 | 279.13 |
Colorado | 461.43 | 311.09 | 440.85 | 257.64 | 233.15 | 311.62 | 352.66 | 272.56 | - |
Connecticut | 485.97 | - | - | 256.14 | 606.91 | 306.03 | 410.03 | 248.02 | 500.36 |
District of Columbia | 539.08 | - | - | 307.73 | - | 404.08 | 414.19 | 339.50 | - |
Delaware | 526.34 | - | - | 310.61 | 1530.00 | 360.85 | 348.49 | 372.24 | 348.53 |
Florida | 620.04 | - | - | 315.30 | 447.35 | 361.63 | 465.28 | 283.14 | - |
Georgia | 350.89 | - | - | 248.10 | 837.79 | 540.41 | 374.94 | 282.07 | - |
Hawaii | 181.12 | - | 396.99 | 279.91 | 265.80 | 212.65 | 181.49 | 86.69 | - |
Iowa | 247.16 | 251.82 | 202.98 | 191.35 | 367.94 | 227.95 | 199.63 | 185.38 | 452.45 |
Idaho | 340.73 | 310.73 | 264.02 | 230.89 | 191.79 | 252.68 | - | 155.66 | 268.86 |
Illinois | 433.70 | 317.94 | 383.77 | 231.60 | 189.80 | 225.98 | 294.72 | 195.41 | 208.31 |
Indiana | 331.57 | 306.64 | 286.46 | 188.42 | 481.78 | - | 324.83 | 200.75 | 282.81 |
Kansas | 334.19 | 178.87 | 308.65 | 268.39 | 398.70 | 206.30 | 345.37 | 226.67 | 361.79 |
Kentucky | 595.33 | - | - | 386.13 | 494.25 | 458.60 | 462.30 | 279.53 | 545.97 |
Louisiana | 499.90 | - | - | 512.88 | - | - | 622.59 | 381.59 | - |
Maine | 306.30 | - | 230.85 | 235.25 | 360.95 | - | 303.63 | 183.22 | 187.75 |
Maryland | 436.10 | - | - | 319.39 | 774.80 | 242.97 | 341.24 | 330.07 | - |
Massachusetts | 225.71 | - | - | 125.85 | 361.61 | - | 319.59 | 113.49 | 294.83 |
Michigan | 1908.55 | - | 708.63 | 535.84 | 1666.67 | 527.28 | 447.05 | 1047.13 | 731.16 |
Minnesota | 377.67 | 293.44 | 261.45 | 291.55 | 1130.30 | 243.87 | - | 172.25 | - |
Missouri | 341.35 | 273.91 | 359.35 | 240.44 | 376.56 | 188.78 | 284.93 | 224.41 | - |
Mississippi | 411.84 | - | - | 340.60 | 371.33 | 229.71 | 359.07 | 248.37 | 310.78 |
Montana | 389.34 | - | 325.63 | 300.20 | 110.51 | 289.86 | 360.90 | 201.48 | - |
North Carolina | 599.20 | - | - | 244.72 | 181.89 | 237.34 | 198.55 | 256.55 | 261.06 |
North Dakota | 389.11 | 317.70 | 257.71 | 222.35 | 1071.07 | 213.36 | 301.92 | 213.38 | - |
Nebraska | 266.57 | 184.59 | 333.11 | 319.79 | 520.13 | 217.00 | 313.17 | 203.23 | - |
New Hampshire | 227.08 | - | - | 134.59 | 703.70 | 207.59 | 224.54 | 182.12 | - |
New Jersey | 476.13 | - | 634.75 | 229.58 | 563.89 | - | 331.06 | 627.26 | 354.54 |
New Mexico | 350.05 | - | 359.63 | 371.53 | - | 292.87 | 259.93 | 195.06 | - |
Nevada | 447.64 | 453.43 | 466.30 | 305.17 | 516.80 | 289.76 | 338.55 | 483.03 | 446.70 |
New York | 395.08 | - | - | 202.35 | 545.06 | 334.41 | 314.26 | 373.72 | 381.57 |
Ohio | 266.44 | 126.26 | 285.25 | 155.60 | 369.15 | 275.07 | 286.41 | 208.99 | 261.26 |
Oklahoma | 309.89 | - | 345.20 | 286.45 | 572.89 | - | 402.70 | 234.73 | - |
Oregon | 397.16 | 293.94 | 312.79 | 268.34 | 361.21 | 264.74 | 302.43 | 227.62 | 241.02 |
Pennsylvania | 332.01 | - | - | 217.10 | 504.60 | 233.36 | 370.92 | 228.69 | 653.54 |
Rhode Island | 413.29 | - | - | 466.89 | 515.34 | 367.47 | 435.92 | 200.54 | 575.79 |
South Carolina | 325.29 | - | 390.99 | 264.83 | - | 302.12 | 381.09 | 255.95 | - |
South Dakota | 393.64 | 337.29 | 314.07 | 245.02 | 626.33 | 228.14 | 312.73 | 192.19 | - |
Tennessee | 402.40 | - | 285.84 | 273.62 | 517.22 | 285.41 | 304.74 | 219.94 | 228.21 |
Texas | 457.12 | 404.06 | - | 271.94 | - | 322.30 | 388.72 | 240.00 | - |
Utah | 297.20 | 308.23 | 325.67 | 247.13 | 360.65 | 248.88 | 319.18 | 387.15 | - |
Virginia | 282.23 | - | - | 171.79 | - | 172.75 | 208.22 | 189.08 | - |
Vermont | 265.87 | - | - | 182.98 | 301.76 | 177.35 | 434.76 | 365.24 | - |
Washington | 295.04 | 309.42 | 246.83 | 214.05 | 332.89 | 177.49 | 267.46 | 208.32 | - |
West Virginia | 318.39 | - | - | 176.73 | 243.70 | - | - | 177.19 | - |
Wisconsin | 404.53 | 126.11 | 314.79 | 327.18 | 563.24 | 435.42 | 260.74 | 198.96 | - |
Wyoming | 364.49 | - | 255.78 | 291.38 | 165.78 | 265.60 | 366.76 | 191.96 | - |
As you can see, both Progressive and Nationwide operate in 41 states. Of those 41 states, Progressive is cheaper in only 10. In some states, such as Vermont, Progressive is over twice as much. With that being said, check your state. Perhaps you live in a state where Progressive is cheaper.
Now that we’ve seen that Nationwide offers more competitive pricing, let’s see how Progressive measures up in terms of offered discounts. First, though, if you’d like to learn more about Progressive be sure to read our Progressive Insurance review.
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Progressive Discounts
No matter which insurer you choose, we cannot stress enough how important it is to inquire about get as many discounts as you can. It’s worth noting that big companies like Progressive and, yes, Nationwide, offer a massive amount of discounts.
What’s even better is the fact that a lot of these discounts are as simple as using your Nationwide insurance login or Progressive insurance login on their respective apps.
You’re not limited to one discount, so when you’re speaking to your agent inform them of your life’s details and attach applicable discounts to your policy.
With that being said, let’s take a look at a table that shows discounts offered by Allstate and Progressive. Take particular note of Progressive’s discount in the last column.
Discounts | Allstate Discounts Offered | Progressive Discounts Offered |
---|---|---|
Adaptive Cruise Control | ✘ | ✓ |
Adaptive Headlights | ✘ | ✓ |
Anti-lock Brakes | ✓ | ✓ |
Anti-Theft | ✓ | ✓ |
Daytime Running Lights | ✓ | ✓ |
Electronic Stability Control | ✓ | ✓ |
Utility Vehicle | ✓ | ✘ |
Vehicle Recovery | ✓ | ✓ |
VIN Etching | ✓ | ✓ |
Lane Departure Warning | ✘ | ✓ |
Newer Vehicle | ✓ | ✓ |
Green Vehicle | ✓ | ✘ |
Forward Collision Warning | ✘ | ✓ |
Claim Free | ✓ | ✓ |
Continuous Coverage | ✓ | ✓ |
Defensive Driver | ✓ | ✓ |
Distant Student | ✓ | ✓ |
Driver's Ed | ✓ | ✓ |
Driving Device/App | ✓ | ✓ |
Early Signing | ✓ | ✓ |
Family Legacy | ✓ | ✓ |
Family Plan | ✓ | ✘ |
Full Payment | ✓ | ✓ |
Garaging/Storing | ✓ | ✘ |
Good Credit | ✘ | ✓ |
Good Student | ✓ | ✓ |
Homeowner | ✘ | ✓ |
Low Mileage | ✓ | ✓ |
Loyalty | ✘ | ✓ |
Married | ✘ | ✓ |
Military | ✓ | ✘ |
Multiple Policies | ✓ | ✓ |
Multiple Vehicles | ✘ | ✓ |
Occupation | ✓ | ✘ |
Online Shopper | ✘ | ✓ |
On Time Payments | ✓ | ✘ |
Paperless Documents | ✓ | ✓ |
Paperless/Auto Billing | ✓ | ✓ |
Passive Restraint | ✓ | ✓ |
Safe Driver | ✓ | ✓ |
Senior Driver | ✓ | ✘ |
Stable Residence | ✘ | ✓ |
Switching Provider | ✘ | ✓ |
Young Driver | ✘ | ✓ |
As you can see from the table, Progressive offers quite a few discounts. Some are for safety features on your vehicle such as adaptive headlights. What’s great is a lot of these safety features are fairly commonplace these days.
Another discount that has proven to be quite popular is Progressive Snapshot. This app analyzes your driving behaviors and crafts specialized premiums based on said behaviors. It’s as simple as using your Progressive login for the app or using the plug-in device you would be provided.
Does Nationwide Offer Rideshare Insurance?
No, Nationwide doesn’t have a rideshare insurance option. Drivers who work for transportation services like Lyft and Uber may need rideshare insurance that bridges the gaps in coverage found in transportation company policies.
Does Progressive Offer Rideshare Insurance?
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Nationwide vs. Progressive Car Insurance: What’s the bottom line?
Progressive has a wide selection of auto insurance policies and add-on coverage, but the reviews from customers are mixed.
Progressive earned 856 out of a possible 1,000 points in the J.D. Power 2021 U.S. Insurance Shopping Study℠ , which polled customers to determine satisfaction with each stage of the shopping experience.
According to Progressive insurance reviews, many drivers find affordable rates through the Snapshot program.
Nationwide is well known for its auto insurance policies NextAdvisor named it one of the best car insurance companies because of its customizable policy, discount potential, college-aged driver pricing, and positive customer ratings. However, Nationwide ranked last among large insurers in the J.D. Power 2021 U.S. Insurance Shopping Study℠ , which determines customer satisfaction with each stage of the shopping experience. The insurer is known for its affordable rates and high scores in J.D. Power customer satisfaction surveys.
To find which car insurance company is best for you, type your ZIP code into our free tool below to find car insurance rates in your area. You may even be able to find Nationwide retirement insurance should that be of interest.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.