Nationwide® telematics
Grow with telematics. Win with customers.



SmartRide ® | SmartMiles® | Mixed policy
In 2020, customer interest in telematics increased by 30% according to a J.D. Power 2020 Pulse survey

What is telematics and why sell it?

As customers demand more personalization and new ways to save, it's clear that the future of Insurance includes telematics. Telematics, or usage-based insurance, measures your driving behavior data to determine a more customized insurance premium. Join the thousands of agents who use telematics to grow their business.

Nationwide's telematics offerings


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SmartRide

SmartRide is an insurance program that rewards safe driving with up to 40% off.

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SmartMiles

SmartMiles is pay-per-mile insurance for low-mileage drivers that offers a flexible rate based on miles driven.

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Mixed policy

Multi-car customers can combine SmartRide and SmartMiles on a single policy.

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What sets Nationwide apart
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Mixed policy structure

Customers who have multiple vehicles can have individual vehicles enrolled in SmartMiles, SmartRide, and a vehicle not enrolled in telematics in the same policy.
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Easy quoting with Nationwide ExpressSM

Our streamlined quote-and-bind process gives you more time to focus on your customers and growing your business. Plus, it will help determine which telematics program is right for every customer/vehicle at the end of the quote.
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No surcharge for participation

Customers can rest easy knowing they will not be surcharged as a result of participating in one of our telematics programs.
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Discounts that add up

In addition to getting a lower rate based on driving behavior, customers can receive an added discount for bundling home and auto protection.

Learn how to address common telematics questions and concerns. View our FAQs
See what sets Nationwide telematics apart. View our advantages
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Use Nationwide ExpressSM in Agent Center for fast, easy quoting.
Contact your Personal Lines Sales or Territory Manager to learn more.
SmartRide program criteria differ in California and North Carolina. Stated discounts are approximations. Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Final discount applies at the next policy renewal and is subject to change based upon actuarial support at subsequent renewals or with changes in drivers or vehicles on the policy.

SmartMiles details and availability varies. The SmartMiles variable premium is based upon the Cost Per Mile established for the coverages in force and the number of days and miles driven when the coverage is in force. The SmartMiles Driving Behavior Discount could be zero and does not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. The Driving Behavior discount applies at the next policy renewal and remains while the vehicle is enrolled in SmartMiles. Estimated payments are subject to change based upon the final rated mileage during the mileage period and any policy changes.