Nationwide and Progressive are two popular household names when it comes to car insurance. But is one a better choice? In this review, we’ll compare Nationwide vs Progressive over a variety of categories.
Both Nationwide and Progressive made our list of the best car insurance companies in the nation. In the end, you may decide that getting a quote from both is your best option.
After all, we always recommend getting several auto insurance quotes so you can compare coverage. Use our tool above to get started. You can also call Motor1’s designated quotes team at (844) 246-8209 for free, personalized quotes.
Nationwide Vs. Progressive
|Superlative||Best for Seniors||Best for High-Risk Drivers|
|Availability||50 states||50 states|
|AM Best Financial Strength Rating||A+||A+|
|J.D. Power Claims Satisfaction||876/1,000||862/1,000|
|Mobile App Google Play Rating||4.2||4.1|
Nationwide Vs Progressive: Coverage
Car insurance companies offer many different types of coverage to give customers the peace of mind they need. Compare these options from Nationwide vs Progressive to see which company has more of what you want:
|Bodily Injury Liability (BI)||✓||✓|
|Property Damage Liability (PD)||✓||✓|
|Personal Injury Protection (PIP)||✓||✓|
|Medical Payments (MedPay)||✓||✓|
|Uninsured/Underinsured Motorist (UM/UIM)||✓||✓|
|Rental Car Reimbursement||✓||✓|
|Accident Forgiveness Insurance||✓||✓|
|Towing and Labor||✓|
|Total Loss Deductible Waiver||✓|
|Custom Parts And Equipment (CPE)||✓|
Both companies also offer other types of insurance products like home insurance and life insurance, so you can take advantage of bundling discounts.
Standout Coverage From Both Providers
Deductible savings bank: Both Progressive and Nationwide offer deductible savings banks. With Progressive, $50 will be subtracted from your collision and comprehensive deductible for every claim-free policy period. With Nationwide, your deductible will be decreased by $100 for every year you drive safely (up to $500).
Accident forgiveness: Nationwide’s accident forgiveness is available for customers in select states. It protects your car insurance rates from increasing after your first at-fault accident.
When comparing Nationwide vs Progressive, we prefer Progressive’s accident forgiveness. You can get small accident forgiveness automatically when you sign up – it includes claims for less than $500.
Large accident forgiveness is available as an additional purchase for drivers who have been driving safely with Progressive for more than five years.
Nationwide Car Insurance Coverage
Towing and labor: Nationwide differentiates between its roadside assistance policy, which includes battery jumps, flat tire services, and towing, and its towing and labor policy that only covers the cost of a tow and labor for up to one hour.
Progressive’s roadside assistance policy includes towing and labor and more roadside help.
Total loss deductible waiver: If you add this coverage to your policy, you won’t have to pay the cost of your collision or comprehensive deductible if your car is totaled in an accident.
Progressive Car Insurance Coverage
Custom parts and equipment: This type of protection covers any aftermarket installation that is stolen or damaged, including your car’s stereo system, custom paint job, and more.
Rideshare insurance: This type of coverage is for people who drive for a rideshare service like Uber or Lyft. It covers the cost of medical expenses for you and your passenger, plus rental car reimbursement.
Nationwide Vs Progressive: Cost
The cost of car insurance is a major factor when trying to decide what insurance company to choose and how satisfied you’ll be long-term.
We compared the cost of policies from Progressive vs Nationwide and found that both offer competitive rates.
Here’s the driver profile we used:
- 23-year-old female driver
- Located in North Carolina
- Employed (not by the government)
- Not a homeowner
We kept the coverages the same from each provider. Let’s compare the car insurance quotes we got for Nationwide vs Progressive:
|Nationwide||$99.48 per month||BI limits: 100/300 PD limits: $100,000 UM limits: 100/300 PIP: $15,000 with a $500 deductible|
|Progressive||$78.85 per month||BI limits: 100/300 PD limits: $100,000 UM limits: 100/300 PIP: $15,000 with a $500 deductible|
We found that car insurance rates from Progressive were more affordable for our driver than Nationwide.
Before making a final decision on cost, though, it’s important to consider each provider’s discounts. The number of discounts you qualify for will give you a better idea of which company will provide more affordable car insurance for your situation.
|Distant Student Discount||✓|
|Sign Online Discount||✓|
|Teen Driver Discount||✓|
|Pay in Full||✓|
Affinity membership: Nationwide partners with multiple academic and professional organizations to give certain members and employees discounts on car insurance.
Distant student discount: If a student on your policy goes to school 100 miles away from home or farther and doesn’t bring the insured car to school, you get a discount on your insurance.
Continuous insurance: You qualify for this discount if you haven’t had any lapses in insurance or cancellations in the past from any car insurance provider.
Name Your Price® tool: While not technically a discount, Progressive’s Name Your Price tool can provide great savings. You can search for plans that fit your budget by choosing the price you want to pay for your car insurance first.
Between Nationwide vs Progressive, both companies offer usage-based programs through mobile apps or plug-in devices. These offer discounts for good drivers based on current driving habits.
Here are some of the strengths we found in each program:
|Nationwide’s SmartRide®||Progressive Snapshot® Program|
|Through the Nationwide mobile app or plug-in device||Through the Progressive mobile app or plug-in device|
|10 percent discount for signing up||Average discount of $26 for signing up|
|Up to 40 percent off for safe driving||Average discount of $145 for completing the program|
|3.3 stars on Google Play||4.1 stars on Google Play|
Nationwide Vs Progressive: Reviews
Before you make your final decision, let’s see what experts and current customers have to say about Nationwide and Progressive.
Progressive Vs. Nationwide: Ratings
Both auto insurers received high ratings from the Better Business Bureau (BBB) and AM Best. The BBB rates a company’s transparency and business practices, among other things, and AM Best rates a company’s financial strength.
Looking at customer reviews, BBB reviewers praise Nationwide for knowledgeable, professional representatives but complain about the slow claims process.
Progressive policyholders, on the other hand, mention exceptional customer service but also talk about unexplained rate increases.
To give you a better idea of the service you can expect by region, here’s how Nationwide and Progressive performed in the J.D. Power 2020 U.S. Auto Insurance Study℠. The study measured customer satisfaction with company interaction, policy offerings, the billing process, and other factors.
*All ratings are based on a 1,000-point scale.
Progressive Vs. Nationwide: Customer Reviews
Both Nationwide and Progressive offer online or over-the-phone quotes. To measure each company’s quotes processes, we looked to the J.D. Power 2021 U.S. Insurance Shopping Study℠ that measured customer satisfaction for policy price, distribution channel, and policy offerings. Here were the results:
- Nationwide: 846/1,000
- Progressive: 856/1,000
These numbers tell us that customers are slightly more pleased with the shopping experience provided by Progressive when comparing Nationwide vs Progressive.
According to the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠, Nationwide customers report higher satisfaction with claims servicing than Progressive customers. Nationwide earned 876 points out of a possible 1,000 in the study, and Progressive earned 862 points.
Our Take On Nationwide Vs Progressive
Between Nationwide vs. Progressive, we rate Progressive as the top provider. Progressive offers a better shopping experience, more affordable prices, and stronger options for coverage. However, we still rate Nationwide highly and consider the company another great option for coverage.
|Cost And Discounts||Progressive|
|Quotes And Claims Processes||Nationwide|
|Ratings And Customer Reviews||Progressive|
Progressive Vs. Nationwide: Conclusion
We compared all parts of Progressive and Nationwide car insurance. You can never have too many options for car insurance. It’s smart to get quotes from multiple sources and compare them, so you know you’re paying the best rates for your coverage.
Best Insurance Companies: Nationwide and Progressive Competitors
In your search, we recommend checking out USAA and Geico, the two auto insurance companies that performed best in our industry review. Follow the link below or call (844) 246-8209 to start comparing quotes from top insurers.
USAA: Best For Military
USAA car insurance is available exclusively to military members and their immediate family members. If you qualify for USAA car insurance, it could be the best provider for you. We rate USAA at 4.8 stars, the highest of any provider we reviewed.
With USAA, you can get standard coverage and military-specific discounts to save money on your auto insurance. Plus, USAA has earned high marks from experts, topping the charts in multiple J.D. Power studies.
To learn more, read our full USAA auto insurance review.
Geico: Best Overall
We rank Geico auto insurance as the best choice overall. Although USAA performed better, Geico is available to all drivers and offers a great combination of extensive coverage and low rates. In addition to standard coverage, you have the option to add:
- Roadside assistance
- Rental car reimbursement
- Mechanical breakdown insurance
- And more
Geico also offers competitive discounts for groups like safe drivers, student drivers, military personnel, and accident-free drivers.
To learn more, read our full Geico auto insurance review.
To further compare these two providers, read our review of Geico vs. USAA.
FAQ: Nationwide Vs. Progressive
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.