Insurance providers: Nationwide vs. Progressive

Quick Verdict

Both Nationwide and Progressive are strong contenders in the insurance market, each offering unique benefits. Nationwide stands out for its strong customer service, diverse range of insurance products, and multiple telematics programs. Progressive, on the other hand, is recognized for its affordability, user-friendly online tools, and the 'Name Your Price' tool for policy customization. Progressive also has wider geographic coverage. The best choice depends on individual needs and priorities.

Both Nationwide and Progressive offer a wide range of insurance products and bundling options, providing customers with opportunities to save money.
Nationwide has a strong financial strength rating and offers multiple telematics programs, while Progressive provides a Name Your Price tool for policy customization.
Progressive offers services in all 50 states, while Nationwide is not available in Alaska, Hawaii, Louisiana, and Massachusetts for car insurance.

Key features – Side-by-Side

Attribute	Nationwide	Progressive
Types of insurance offered	Auto, home, renters, life, pet, travel, and commercial insurance	Personal lines, commercial auto, other indemnity, cars, motorcycles, boats, RVs, commercial vehicles, homeowners (through select companies)
Geographic coverage area	Available in 46 states and Washington, D.C. Not available in Alaska, Hawaii, Louisiana, and Massachusetts for car insurance.	All 50 states plus Washington, D.C.
Discounts offered	Multi-policy, accident-free, good student, defensive driving, advance quote, anti-theft device, safe driver, new vehicle, EV discount	Multi-Policy, Multi-Car, Safe Driver, Continuous Insurance, Teen Driver, Good Student, Pay-in-Full, Paperless Billing, Online Quote
Coverage options	Collision, comprehensive, liability, medical payments, uninsured/underinsured motorist, roadside assistance, gap insurance, rideshare coverage, rental reimbursement coverage, custom parts and equipment coverage	liability, comprehensive, collision, PIP, medical payments, uninsured/underinsured motorist protection, Roadside Assistance, Rental Car Reimbursement, Custom Parts & Equipment, Loan/Lease Payoff, Deductible Savings Bank, Pet Injury Coverage
Rider options and endorsements	Better Roof Replacement, Valuables Plus	Roadside assistance, rental reimbursement, custom equipment protection
Bundling options	Auto and home, renters, life insurance policies	Auto with homeowners, renters, or condo insurance
Financial strength rating	A+ (Superior) from AM Best	A+ (Superior) from A.M. Best
Claim filing options	Online, over the phone, or through mobile apps	Mobile App, Online Portal, 24/7 Customer Service Line, real-time tracking
Usage-based insurance programs	SmartRide, SmartMiles	Not available
Roadside Assistance	24/7 help provided by Agero	Not available
Average premium cost	Not available	$2,032 per year for full coverage; $2,155 per year (NerdWallet's June 2025 analysis)
Customer service ratings	Overall satisfaction: 8.52/10 (The Zebra Customer Satisfaction Survey), 81/100 (NerdWallet survey). Mobile app: 4.5/5 (Android), 4.7/5 (iOS). Claims satisfaction: Above average. Shopping experience: Below average.	Below average in J.D. Power's auto claims satisfaction study and overall auto customer satisfaction; 8.54/10 overall; 8.65/10 claims satisfaction; 8.84/10 ease of interaction; 8.66/10 customer service satisfaction; 8.83/10 online satisfaction. According to J.D. Power's 2024 Auto Claims Satisfaction Study, Progressive scored 871 out of 1,000.
Online tools	Easy to use and navigate website and mobile app	User-friendly website and app for quotes, policy management, and claims
Policy customization	Customized insurance policies	Name Your Price Tool

Overall Comparison

Nationwide: Overall satisfaction: 8.52/10 (The Zebra Customer Satisfaction Survey), A+ (Superior) from AM Best. Progressive: Average premium cost: $2,032 per year for full coverage, A+ (Superior) from A.M. Best, Customer service ratings: 8.54/10 overall.

Pros and Cons

Nationwide

Pros:

Diverse range of insurance products
Reasonable rates
Strong customer service
Below-average number of complaints
Multiple telematics programs
Multiple convenient options for filing a claim
Easy to bundle insurance policies
Good variety of available discounts
Wide selection of coverages
Customized insurance policies
Additional coverage options like gap coverage, accident forgiveness, and vanishing deductible
Good prices and add-on options for car and home insurance bundles

Cons:

Car insurance not available in all states
Below average rating for shopping experience

Progressive

Pros:

Offers numerous discounts
Provides standard and optional auto coverage
Streamlined claim filing via Mobile App, Online Portal, and 24/7 Customer Service Line
A+ (Superior) financial strength rating from A.M. Best
User-friendly website and app
Name Your Price Tool for policy customization
Bundling options for additional savings
Wide geographic coverage
Offers various types of insurance
Mobile app features include: Access policy information, Make payments, Access insurance cards and other documents, Report a claim, and Request roadside assistance.
Progressive offers a variety of discounts and insurance products to cater to most people
Filing a claim with Progressive is streamlined via their Mobile App, Online Portal, and 24/7 Customer Service Line.

Cons:

Below average customer service ratings in J.D. Power studies
Some customers report rate hikes after claims

User Experiences and Feedback

Nationwide

What Users Love

Praising the company's customer service
Ease of use
Competitive rates
Handles claims fairly and efficiently
Easy to use and navigate website and mobile app
Local agents available to help with insurance questions and concerns

Common Complaints

No major complaints reported.

Value Perception

Competitive rates
Discounts and bundling options helped them save money on their insurance premiums

User Recommendations

Customers generally report that Nationwide handles claims fairly and efficiently, with few complaints about delays or denials.
Many customers appreciate the competitive rates offered by Nationwide, and report that the company's discounts and bundling options helped them save money on their insurance premiums.
Several customers have praised the company's website and mobile app, saying that they are easy to use and navigate.

Progressive

What Users Love

83% of Progressive customers were satisfied with customer services
84% of Progressive customers said they would recommend the company
77% said they were satisfied with Progressive's claims process
I was very pleased how the agent explained everything to me so I could understand my insurance policy.
Users report that the Progressive website and app are user-friendly.

Common Complaints

Some customers report rate hikes after claims.

Value Perception

No value feedback reported.

User Recommendations

I was very pleased how the agent explained everything to me so I could understand my insurance policy.