Available in: AR, AZ, ID, MI, MT, NE, OR, SD, UT, WI

Your customers can save an average of 5% on home insurance by being one of our safest drivers.1

homeowner unloading groceries from trunk of car in front of house

How it works:

  1. Your customer must have auto and home policies with Nationwide.
  2. Your customer must enroll and complete one of our telematics programs, SmartRide® or SmartMiles®.
  3. Your customer must have earned an average of 28% or higher SmartRide discount or 6% or higher Safe Driving Behavior Discount in SmartMiles at the policy level. Approximately 38% of existing auto customers will qualify for this discount if they also have a homeowner’s policy with Nationwide.1


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Nationwide applies a discount to homeowners policies for customers who have telematics on their auto policy, and have earned an average of 28% or higher SmartRide policy level discount or 6% or higher SmartMiles policy level Safe Driving Behavior Discount.

Nationwide’s safest drivers save an average 5% on home insurance if the customer has earned the minimum telematics discount.

If the quote is bound in PolicyCenter, the discount will be applied at that time. If the quote is bound in Nationwide Express, the discount will be applied during the cross policy read that occurs 55 days after the inception date of the policy back to the effective date of the policy.

Yes, the discount only applies to a homeowner policy and does not apply to a condo unit owner or tenant policy.

You will be able to see Telematics Property Discount in the following areas:
  • Applied Discounts and Surcharges section of the quote summary tab in PolicyCenter
  • Annual Premium included Discount section on the declaration page
  • Discount section of the quote letter
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Start an auto telematics quote on Nationwide Express® in Agent Center.

[1] The customer must earn a 28% SmartRide or 6% SmartMiles policy level discount or higher to qualify. Details and availability vary based on coverages, state and underwriting company. Based on national Nationwide policyholder data, September 2021 through September 2022.

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. The 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.