- Nationwide vs. Progressive: Which one is the cheapest?
- Nationwide vs. Progressive: Rates by age group
- Nationwide vs. Progressive: Rates for high-risk drivers
- Nationwide vs. Progressive: Which is better rated?
- Nationwide vs. Progressive: Rates in your state
- Nationwide vs. Progressive: Which offers better discounts?
- Nationwide vs. Progressive: The bottom line
- Methodology
Nationwide vs. Progressive: Which one is the cheapest?
Nationwide costs $532 per year, while Progressive costs $549 per year for state minimum coverage.
For full coverage with 100/300/100 liability limits and $500 deductibles for comprehensive and collision coverage, Nationwide costs an average of $1,548. On the other hand, Progressive is more expensive, with an average cost of $1,998.
It's always best to compare quotes because rates may differ in each state and also vary depending on your needs.
| 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
For a teen - one of the most expensive age groups to insure - Nationwide has the cheapest rates, coming in at $5,285 per year. Progressive costs an average of $7,174 for a teen driver.
Age plays a major role in determining auto insurance rates. Companies consider speeding, accident trends and distracted driving statistics. Teen drivers are one of the riskiest groups to insure, making their rates the highest. However, insurance costs go down as you get older.
Adults pay an average of $1,533 with Nationwide, while Progressive charges an average of $2,009 for an adult. The table below lists the car insurance rates for different age groups for Nationwide and Progressive.
| 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 company, it's important to consider more than just price. Customer service, claims processing and a good online experience also matter. Check out the table below to see how Nationwide and Progressive ranked among the best car insurance companies of 2025.
Overall, Nationwide received a score of 4.33, while Progressive scored 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 | ||
| Insurance.com score |
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
Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.
Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.
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