Nationwide vs. Progressive: Which offers the cheapest auto insurance rates?

Nationwide vs. Progressive: Which one is the cheapest?

Nationwide costs an average of $532 annually for state minimum coverage, while Progressive has average state minimum rates of $549 a year.

For full coverage with 100/300/100 liability limits and $500 deductibles for comprehensive and collision coverage, Nationwide costs $1,548 per year. Progressive charges more, with an average cost of $1,998 annually.

It's always smart to shop around and compare quotes, since prices and coverage can vary by state and depend on your personal situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
Nationwide	$1,548	$532	$651
Progressive	$1,998	$549	$709

Nationwide vs. Progressive: Rates by age group

Teen drivers pay the highest car insurance rates. Nationwide offers the cheapest car insurance rates for teen drivers at $5,285 per year. On the other hand, Progressive offers car insurance rates at an average of $7,174 annually.

Age is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest — and therefore most expensive — age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,533 at Nationwide, while at Progressive the average rate for an adult is $2,009.

Age group	Nationwide	Progressive
Teens	$5,285	$7,174
Young adults	$2,556	$3,242
Adults	$1,533	$2,009
Seniors	$1,456	$2,000

Nationwide vs. Progressive: Rates for high-risk drivers

Progressive offers the lowest rates for high-risk drivers. A high-risk driver is someone with multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it harder to find affordable car insurance.

For drivers with a DUI, Progressive is more affordable, with an average rate of $2,707.

Check out the table below to see how Nationwide rates compare to Progressive rates for different driving violations.

Type of violation	Nationwide	Progressive
1 At-fault property damage accident over $2K	$2,537	$3,119
1 At-fault property damage accident under $2K	$2,481	$3,103
At-fault bodily injury accident	$2,673	$3,126
Careless driving	$2,203	$2,936
DUI	$3,627	$2,707
Reckless driving	$3,221	$2,982
Speeding	$2,347	$2,650

Nationwide vs. Progressive: Which is better rated?

When choosing an insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., consider customer service, claims handling, and online experience along with price. Check the table below to see how Nationwide and Progressive scored among the best car insurance companies of 2025.

Overall, Nationwide earned a score of 4.33, while Progressive received a score of 4.14.

Ratings	Progressive	Nationwide
NAIC	0.65	0.64
AM Best	A+	A
Average annual premium	$1,992	$1,548
Average monthly premium	$166	$129
Customer Satisfaction	3.9	4.1
Insurance.com score	4.1	4.3

Nationwide vs. Progressive: Rates in your state

Insurance rates are different in each state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you can find the cheapest rates from Nationwide and Progressive. It's always a good idea to compare multiple quotes, as your final price will depend on your location, driving history and personal situation.

State	Progressive	Nationwide
Alabama	$2,402	$1,345
Alaska	$1,742	N/A
Arizona	$1,903	$1,726
Arkansas	$2,431	$1,503
California	$2,179	$2,799
Colorado	$2,796	N/A
Connecticut	$1,708	$1,766
Delaware	$1,999	$1,498
Florida	$2,902	$2,150
Georgia	$1,656	N/A
Hawaii	$1,279	N/A
Idaho	N/A	$1,505
Illinois	$1,412	N/A
Indiana	$1,480	$1,309
Iowa	$1,589	N/A
Kansas	$1,937	$1,316
Kentucky	$2,714	N/A
Louisiana	$3,065	N/A
Maine	$1,106	N/A
Maryland	$1,895	$1,363
Massachusetts	$2,016	N/A
Michigan	$2,069	N/A
Minnesota	N/A	$1,363
Mississippi	$2,131	$1,331
Missouri	$1,960	$1,361
Montana	$2,414	$1,394
Nebraska	$1,964	$1,216
Nevada	$2,482	N/A
New Hampshire	$1,343	$1,145
New Jersey	$2,187	N/A
New Mexico	$1,557	$1,806
New York	$1,020	N/A
North Carolina	$2,028	$1,513
North Dakota	$1,403	$1,152
Ohio	$1,626	N/A
Oklahoma	$1,194	N/A
Oregon	$1,765	$1,411
Pennsylvania	$2,193	$1,196
Rhode Island	$1,841	$1,911
South Carolina	$1,816	N/A
South Dakota	$3,163	$1,526
Tennessee	$1,550	$1,632
Texas	$3,032	$1,502
Utah	$1,845	$1,135
Vermont	$926	$935
Virginia	$2,120	N/A
Washington	$2,554	$1,658
Washington, D.C.	$1,488	$2,558
West Virginia	$1,825	$1,215
Wisconsin	$2,128	$1,287

Nationwide vs. Progressive: Which offers better discounts?

Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts Nationwide and Progressive offer to their customers.

Discounts	Progressive	Nationwide
Multi policy	9%	7%
Payment type	11%	9%
Telematics	10%	8%
Days advanced purchase	4%	7%
Marital status	12%	7%
Homeowner	4%	5%
Lower annual mileage	5%	12%
Paperless/electornic documents	1%	4%
Education	4%	N/A
Loyalty	3%	4%
Safety devices	3%	3%
Electronic funds transfer	3%	3%
Air bags	1%	2%
Profession	14%	N/A
Electronic signature	10%	N/A
Anti-theft device	0%	1%

Always be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.

Nationwide vs. Progressive: The bottom line

Both Nationwide and Progressive are solid insurance companies, but if rates are what matter most to you, Nationwide may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: