Nationwide vs. Progressive Car Insurance (2021)

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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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Feb 1, 2021

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The Highlights

  • 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.

Nationwide Average Annual Car Insurance Rates per State
StateAverage Annual RatesHigher or Lower than Average Annual State RatesPercent Higher or Lower than Average Annual State Rates
Alabama$2,662.66-$904.30-25.35%
Arkansas$3,861.79-$263.19-6.38%
Arizona$3,496.08-$274.89-7.29%
California$4,653.19$964.2626.14%
Colorado$3,739.47-$136.92-3.53%
Connecticut$3,672.34-$946.58-20.49%
District of Columbia$4,848.98$409.749.23%
Delaware$4,330.21-$1,656.11-27.66%
Florida$4,339.60-$340.86-7.28%
Georgia$6,484.90$1,518.0730.56%
Iowa$2,735.44-$245.84-8.25%
Idaho$3,032.19$53.101.78%
Illinois$2,711.81-$593.67-17.96%
IndianaData Not AvailableData Not AvailableData Not Available
Kansas$2,475.59-$804.03-24.52%
Kentucky$5,503.23$307.835.92%
Maryland$2,915.69-$1,667.01-36.38%
MassachusettsData Not AvailableData Not AvailableData Not Available
Michigan$6,327.38-$4,171.26-39.73%
Minnesota$2,926.49-$1,476.76-33.54%
Missouri$2,265.35-$1,063.58-31.95%
Mississippi$2,756.53-$908.04-24.78%
Montana$3,478.26$257.427.99%
North Carolina$2,848.03-$545.08-16.06%
North Dakota$2,560.35-$1,605.49-38.54%
Nebraska$2,603.94-$679.74-20.70%
New Hampshire$2,491.10-$660.67-20.96%
New JerseyData Not AvailableData Not AvailableData Not Available
New Mexico$3,514.38$50.741.46%
Nevada$3,477.14-$1,384.56-28.48%
New York$4,012.93-$276.95-6.46%
Ohio$3,300.89$591.1821.82%
OklahomaData Not AvailableData Not AvailableData Not Available
Oregon$3,176.83-$290.94-8.39%
Pennsylvania$2,800.37-$1,234.13-30.59%
Rhode Island$4,409.63-$593.73-11.87%
South Carolina$3,625.49-$155.65-4.12%
South Dakota$2,737.66-$1,244.61-31.25%
Tennessee$3,424.96-$235.93-6.44%
Texas$3,867.55-$175.73-4.35%
Utah$2,986.57-$625.32-17.31%
Virginia$2,073.00-$284.87-12.08%
Vermont$2,128.21-$1,105.92-34.20%
Washington$2,129.84-$929.48-30.38%
West VirginiaData Not AvailableData Not AvailableData Not Available
Wisconsin$5,224.99$1,618.9344.89%
Wyoming$3,187.20-$12.88-0.40%
Median$3,187.20-$473.69-12.94%
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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.

Nationwide Ratings
Ratings AgencyRatings
A.M. BestA+
Better Business BureauA+
Moody'sA1
S&PA+
NAIC Complaint Index0.44
JD PowerClaims Satisfaction 3/5
Shopping Study 2/5
Consumer Reports88
Consumer Affairs2/5
85 reviews
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The fact that A.M. Best and the Better Business Bureau both gave 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 By State Average Annual Car Insurance Rates Comparison for Top 10 Companies
StateAllstate Average Annual RatesAmerican Family Average Annual RatesFarmers Average Annual RatesGeico Average Annual RatesLiberty Mutual Average Annual RatesNationwide Average Annual RatesProgressive Average Annual RatesState Farm Average Annual RatesTravelers Average Annual RatesUSAA Average Annual Rates
Alaska$3,145.31$4,153.07$2,879.96$5,295.55$3,062.85$2,228.12$2,454.21
Alabama$3,311.52$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arkansas$5,150.03$4,257.87$3,484.63$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Arizona$4,904.10$5,000.08$2,264.71$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
California$4,532.96$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77$3,338.87
Connecticut$5,831.60$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
District of Columbia$6,468.92$3,692.81$4,848.98$4,970.26$4,074.05$2,580.44
Delaware$6,316.06$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Florida$7,440.46$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67$2,850.41
Georgia$4,210.70$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88$3,157.46
Hawaii$2,173.49$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28$1,189.35
Iowa$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Idaho$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19$1,867.96$3,226.29$1,877.61
Illinois$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35$3,898.00$2,408.94$3,393.75$1,630.86
Kansas$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Kentucky$7,143.92$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,998.79$6,154.60$7,471.10$4,579.12$4,353.12
Maine$3,675.59$2,770.15$2,823.05$4,331.39$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$5,233.17$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87$2,744.14
Massachusetts$2,708.53$1,510.17$4,339.35$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$22,902.59$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49$2,066.99$2,861.60
Missouri$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91$2,525.78
Mississippi$4,942.11$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Montana$4,672.10$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74$2,031.89
North Carolina$7,190.43$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66
North Dakota$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53$2,006.80
Nebraska$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71$2,330.78
New Hampshire$2,725.01$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46$1,906.96
New Jersey$5,713.58$7,617.00$2,754.94$6,766.62$3,972.72$7,527.16$4,254.49
New Mexico$4,200.65$4,315.53$4,458.30$3,514.38$3,119.18$2,340.66$2,296.77
Nevada$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
New York$4,740.97$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Ohio$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Oklahoma$3,718.62$4,142.40$3,437.34$6,874.62$4,832.35$2,816.80$3,174.15
Oregon$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Pennsylvania$3,984.12$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$4,959.45$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,903.43$4,691.85$3,178.01$3,625.49$4,573.08$3,071.34$3,424.77
South Dakota$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23
Tennessee$4,828.85$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$5,485.44$4,848.72$3,263.28$3,867.55$4,664.69$2,879.94$2,487.89
Utah$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83$2,491.10
Virginia$3,386.80$2,061.53$2,073.00$2,498.58$2,268.95$1,858.38
Vermont$3,190.38$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84$1,903.55
Washington$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78$2,262.16
West Virginia$3,820.68$2,120.80$2,924.39$2,126.32$1,984.62
Wisconsin$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53$2,975.74
Wyoming$4,373.93$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55$2,779.53
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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.

Allstate Vs. Progressive Discounts Offered
DiscountsAllstate Discounts OfferedProgressive 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

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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.

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.

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