Deciding on an auto insurance company can be tricky: rates can fluctuate based on your driving record, location, and age, and companies offer an array of discounts. Progressive and Nationwide are two of America's most popular insurance companies, providing competitively priced policies across large swaths of the US.
To help simplify the insurance-shopping process, we pulled average rates from Nationwide and Progressive. These take into account a variety of pricing components, chief among which are credit quality, driving record, and age. Take a look at these rates and find an affordable policy today.
If you have extremely bad credit, Nationwide could be the way to go. Typically, Nationwide offers cheaper rates than Progressive for drivers with credit scores of less than 580. Those with extraordinary credit — a score of 800 or better — should favor Check out average insurance rates by credit level for Nationwide and Progressive below.
|Credit level||Progressive avg. annual premium||Nationwide avg. annual premium|
|Very Poor (300-579)||$3,602||$1,593|
|Very Good (740-799)||$1,453||$1,109|
If you have an at-fault collision, speeding violation, reckless driving citation, or DUI in your recent history, Nationwide could be a better choice than Progressive. Every auto insurance company will handle driving offenses differently, so it's worth comparing quotes to figure out which insurer suits you.
|Citation||Progressive avg. annual premium||Nationwide avg. annual premium|
|At-fault accident (damage < $1,000)||$2,720||$1,836|
|At-fault accident (damage > $1,000)||$2,245||$1,475|
Car insurance companies rely on age to estimate risk, pricing policies accordingly. A car insurance policy is usually more expensive for young drivers — due to their inexperience — and relatively affordable for older drivers. Because every insurance company prices age tiers in a different way, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose Nationwide over Progressive: the former's average annual rates are $4,624 less than the latter's..
|Age||Progressive avg. annual premium||Nationwide avg. annual premium|
Aside from affordability, Progressive and Nationwide each come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
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|About||Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents, you can choose the coverage options that make the most sense to you.||Auto insurance from Nationwide gives you peace of mind. When you choose an On Your Side Auto Repair Network® facility, you can get a written guarantee on your car repairs. With our On Your Side Claims® Service, you also get personal service like the On Your Side® Review, an annual check-in with your insurance professional to review your coverage. And with multi-policy and other discounts, such as the SmartRide® and SmartMiles® usage-based programs, you get peace of mind and value.|
|Roadside Assistance||Progressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance.||Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home.|
|Additional Discounts||Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.||Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.|
|Recent Questions||Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?|
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.See More Questions
|What's the ADOT code for Nationwide|
The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.Will an insurance company tell me if someone has paid a loan off?
Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle.I was rear-ended but the driver drove off before we exchanged information
The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information.If I hit an uninsured driver, can he go after me for damages?
Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault.See More Questions
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