Progressive vs Nationwide

Liability Coverage

Both insurers offer liability protection for injuries or property damage for which the insured is legally responsible, subject to the policy limits and applicable state requirements.

Collision Coverage

Progressive and Nationwide both offer collision coverage for covered damage resulting from collisions with another vehicle or object, subject to the policy deductible and terms.

Comprehensive Coverage

Both companies offer comprehensive coverage for qualifying non-collision losses such as theft, vandalism, weather-related damage, fire and certain animal-related incidents.

Uninsured & Underinsured Motorist

Both insurers offer uninsured and underinsured motorist protection, with specific coverage requirements and availability determined by state law.

Medical Payments / PIP

Progressive offers Medical Payments and PIP in applicable states. Nationwide also offers Medical Payments and Personal Injury Protection where applicable.

Rental Reimbursement

Both insurers provide rental or transportation-related coverage options after a qualifying covered loss, subject to daily and overall limits.

Progressive Discount Structure

Progressive lists discounts for safe driving, accident-free and claim-free histories, Snapshot participation, bundling, multiple vehicles and certain quote or payment methods.

Progressive currently reports an average 12% multi-car discount and an average $328 savings among customers who earned a Snapshot discount.

Nationwide Discount Structure

Nationwide provides multiple discount opportunities, including SmartRide, multi-policy, multi-car and other state-specific savings.

Nationwide also offers SmartMiles for qualifying lower-mileage drivers, which uses a mileage-based premium structure rather than a conventional fixed-mileage policy.

Progressive

Progressive provides accident-related discounts and pricing features, but accident forgiveness availability and eligibility should be confirmed for the specific state and policy.

Nationwide

Nationwide offers Accident Forgiveness in select states as an optional coverage. It can potentially help prevent a rate increase after the first at-fault accident and can be used once per policy, subject to applicable terms.

Progressive Rideshare Coverage

Progressive specifically offers rideshare coverage that can extend personal auto protection while a driver is logged into a rideshare or delivery platform and waiting for a trip or delivery request.

Progressive states that rideshare coverage is required on its personal auto policy for customers driving for a rideshare company. Availability and exact coverage can vary by state.

Nationwide

Nationwide policies contain specific rules and exclusions for vehicle use, including certain business or compensated transportation uses. Drivers should confirm whether their intended rideshare or delivery activity is covered before using the vehicle for that purpose.

Progressive Deductible Savings Bank

Progressive offers Deductible Savings Bank, which can reduce qualifying comprehensive or collision deductibles by $50 for each violation- and claim-free six-month policy period.

Progressive Custom Parts & Equipment

Progressive offers Custom Parts and Equipment coverage for qualifying modifications such as custom wheels, stereo equipment, navigation systems and paint work, typically with a $5,000 limit.

Progressive Pet Injury Coverage

Progressive states that pet injury coverage can provide up to $1,000 for qualifying veterinary expenses when the policy includes collision coverage.

Nationwide Vanishing Deductible

Nationwide’s optional Vanishing Deductible can reduce the qualifying comprehensive and/or collision deductible by $100 for each year of safe driving, up to $500, subject to eligibility and state availability.

Nationwide Total Loss Deductible Waiver

Nationwide lists a total loss deductible waiver among its optional auto features. Terms and availability vary by state.

Nationwide On Your Side Review

Nationwide provides an annual review service designed to help customers review their coverage and available discounts as their circumstances change.

1. Match Liability Limits

Use the same bodily injury and property damage liability limits when comparing quotes.

2. Match Deductibles

Compare identical comprehensive and collision deductibles. A lower premium may come with higher out-of-pocket costs after a claim.

3. Compare Vehicle Protection

If the vehicle is financed or leased, check whether Loan/Lease Payoff or Gap coverage is included and review its limits.

4. Check Rental Limits

Compare the daily rental amount and maximum reimbursement period or total limit.

5. Check Roadside Coverage

Confirm whether roadside assistance is included or optional and review the services and limits.

6. Check Program Eligibility

Snapshot, SmartRide, SmartMiles and other discounts are not universally available. Confirm eligibility in your state before using a discount in your comparison.