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Updated Feb 01, 2025
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Powered by Coverage.com (NPN: 19966249)

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Our verdict

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Nationwide

Nationwide
Rating: 4 stars out of 5
4.0
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Cost & ratings

Rating: 4.2 stars out of 5
4.2

Coverage

Rating: 3.5 stars out of 5
3.5

Support

Rating: 3.5 stars out of 5
3.5

Progressive

Progressive
Rating: 4.4 stars out of 5
4.4
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Cost & ratings

Rating: 4 stars out of 5
4.0

Coverage

Rating: 5 stars out of 5
5.0

Support

Rating: 4.3 stars out of 5
4.3
OVERVIEW
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Progressive’s offerings for high-risk drivers, safe driving telematics and digital policy management all fare well in expert analyses. Optional policy customization includes custom parts and equipment (CPE) coverage and pet injury coverage.
STANDOUT FEATURES
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Strong digital tools
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Works with high-risk drivers
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Unique coverage options
AVG FULL COV. AUTO RATE
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$2,388
AVG MIN COV. AUTO RATE
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$711
J.D. POWER AUTO SCORE
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672/1000
AM BEST RATING
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A+(Superior)
Pros
  • Lower rates for most driver profiles

  • Telematics programs for safe and low-mileage drivers

  • Competitive rates and discounts for families with teens

  • Above-average J.D. Power score for claims satisfaction

Cons
  • Auto policies not available in AK, HI, LA or MA

  • Higher rates for minimum coverage than some competitors

  • Mixed J.D. Power scores for customer satisfaction based on region

Pros
  • Robust digital tools

  • Long list of advertised discounts

  • Coverage for collisions can extend to pets in many states

  • Competitive rates for high-risk drivers

Cons
  • Below-average customer satisfaction ratings from J.D. Power

  • Below-average claims satisfaction rating from J.D. Power

  • Higher average rates for full coverage than alternatives

  • Rates may differ between agents and online quotes

Driver profile Nationwide avg. full coverage premium Progressive avg. full coverage premium
Young driver (age 25) $2,584 $3,018
Senior driver (age 70) $1,937 $2,176
Good driver, good credit $2,035 $2,388
Good driver, poor credit $2,559 $4,086
Speeding ticket with good credit $2,995 $3,051
At-fault accident with good credit $2,900 $3,586
DUI conviction with good credit $4,762 $3,317
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Bankrate's take

Nationwide SmartRide Progressive Snapshot
Device Mobile app, device, or connected car Mobile app or device
Can it raise your rate? No Yes, with high-risk driving
Availability Varies by state Varies by state
Discount Up to 40% Average of $231
What it monitors Miles driven, hard braking and acceleration, night driving and idle time Miles driven, braking and acceleration night driving and phone use
Nationwide Progressive
Apple store 4.7 of 5 4.8 of 5
Google play 4.5 of 5 4.6 of 5
J.D. Power claims satisfaction 728/1,000 672/1,000
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Written by
R.E. Hawley
Senior writer, Insurance
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
Edited by Editor II, Insurance