Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key Takeaways

  • Knowing average car insurance rates from Nationwide and Progressive can help you find the most affordable insurance
  • Whether choosing Nationwide or Progressive car insurance, discounts will help reduce rates
  • Many factors impact your Nationwide or Progressive car insurance rates
  • Nationwide and Progressive car insurance policies are available in most states

When you compare Nationwide vs. Progressive, you quickly find out that these are two of the most popular car insurance companies around. Sure, you can get a Progressive auto insurance quote or read the Nationwide car insurance review to gain information on both companies.

However, pitting them against each other will ensure that you find the most affordable coverage for your driving situation. Additionally, you can see what additional insurance products they have to offer. Having all of your insurance policies with the same company is convenient.

Read on to learn more about Nationwide vs. Progressive car insurance. To compare free quotes from car insurance companies near you, enter your ZIP code now.

Which offers better rates, Nationwide or Progressive?

When you start thinking about changing car insurance companies to find better rates, it leads to some questions. You may ask yourself, “Is Nationwide near me?” or “What company offers the best discounts?” The best way to find this information is to compare prospective companies.

Nationwide and Progressive car insurance companies are both exceptionally popular car insurance companies because they offer great discounts and great prices depending on your situation.

Each company will consider your age, driving record, credit score, location, annual mileage, and the number of claims when figuring out what your exact rate will be. Each of these factors will determine your risk level and ultimately how much you will pay.

Comparing Nationwide vs. Progressive car insurance quotes is the best way to find out which is cheaper. Below you will find some sample rates based on a variety of factors.

Nationwide vs. Progressive Rates Based on Credit Score

Surprisingly, most people don’t realize how much their credit score can impact their car insurance rates in most states. Take a look at some standard prices based on how good or bad your credit is.

Nationwide vs. Progressive Average Monthly Rates Based on Credit Score
Credit Score RangeAverage Nationwide Monthly RatesAverage Progressive Monthly Rates
300-579 (Very Poor)$132.75$300.17
580-669 (Fair)$105.17$177.25
670-739 (Good)$103.17$142.33
740-799 (Very Good)$92.42$121.08
800-850 (Exceptional)$86.42$110.00
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For every credit level, Nationwide is more affordable. However, these numbers do not include any discounts that you qualify for. So, at the end of the day, Progressive may still end up being more affordable.

Nationwide vs. Progressive Rates Based on Age

With age comes experience and cheaper car insurance rates. Teenager car insurance rates will be higher than most. It is more costly because teens are more likely to be involved in car accidents. However, if you have a teen, the driver’s ed car insurance discount can help you save.

Keep in mind that your Nationwide or Progressive car insurance rates will go down with age and experience as long as you try to be a good driver. Now let’s review what your base rates may be based on age with both of these companies.

Nationwide vs. Progressive Average Monthly Rates Based on Age
AgeNationwide Average Monthly PremiumProgressive Average Monthly Premium
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Here again, Nationwide is more affordable for every age group. We need to look at what discounts are available to help determine which company is cheaper, Nationwide or Progressive.

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What discounts are available from Nationwide and Progressive?

When you start to research a car insurance company, it is unlikely that you will look into Nationwide’s NAIC number. However, getting familiar with discounts will be on the top of the list. Stacking discounts on your car insurance policy can lead to significant savings.

Whether you are looking to bundle your Nationwide motorcycle insurance with your car insurance for a discount or you simply want to know you get rewarded for loyalty, these companies have what you are looking for.

Nationwide vs. State Farm Discounts Available
DiscountNationwideState Farm
Anti-theft deviceYesYes
Automatic PaymentYesYes
Defensive DriverYesYes
Good StudentYesYes
Paid in FullNoNo
Safe DriverYesYes
Student Away at SchoolNoYes
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Many of the discounts offered are similar, but there are also some that are unique to each company. By learning what discounts are offered, you can find out where you qualify for more discounts and which company will be able to save you more money.

Does Nationwide or Progressive have better customer satisfaction?

Being happy with your insurance company is more than having great Nationwide or Progressive car insurance rates. You want to know that your car insurance company will stand behind you and help you through the claims process if you’re involved in an accident.

Additionally, you want to know that the company has a website that is easy to use. You certainly don’t want to spend half the day searching for the Progressive auto insurance login page or the Nationwide customer service phone number.

Both of these companies have high customer satisfaction ratings. In fact, they score the same when it comes to how customers feel about these two companies. The websites are easy to use and provide an app that will allow you to access your car insurance information on your mobile phone.

Hopefully you’ve learned all you need to know about Progressive and Nationwide. For free quotes from car insurance companies near you, just enter your ZIP code and compare rates today.