Give low-mileage customers a way to save with the SmartMiles pay-per-mile program.
Woman in the driver's seat of a vehicle

How SmartMiles® works

Customers get traditional Nationwide® auto coverage but with a flexible monthly premium that’s based on mileage. The premium consists of 2 parts: a base premium that stays the same every month and a variable premium that changes every month based on mileage.
33% The average savings compared with a traditional Nationwide auto policy.1
 

SmartMiles candidates include:

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Frequent public transportation riders

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Remote workers

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Those who live close to work

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Those with an extra car they rarely drive

Features to share with customers

With the road trip exception, only the first 250 miles count on a single day.

The safe driving behavior discount allows customers to save up to 10% for safe driving after the first renewal.

Participating in SmartMiles

Plug-in device

We'll send customers a device that plugs into their vehicle.

Device activation guide

Connected car

Customers can use an eligible connected car.

Connected car activation guide
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What customers get with SmartMiles

  • Data-based feedback: Personalized driving insights and improvement tips using real-time data
  • Online access: Customers can see their driving information and monthly payment through an online portal and monthly email updates
  • Convenient data collection: Driving data is collected with a small device or connected car

Plus, we allow both of our telematics programs (SmartRide® and SmartMiles®) to be written on the same policy, which can help your low-mileage drivers save even more.

SmartMiles resources

Provide support for policies enrolled in SmartMiles.

Review the key differences between our telematics programs.

Connect customers to details about SmartMiles.

Access prewritten posts (search “SmartMiles” to locate these materials).

[1] Based on national data from March 2023 through April 2024 (excluding CA). Includes average SmartMiles Safe Driving Behavior Discount of 8% (applied after completing an insurance term with SmartMiles). Savings are compared to a Nationwide policy not enrolled in a usage-based insurance program for similar risks.

SmartMiles is not available in the following states: AK, HI, LA, NC, NY and OK.

Program criteria differ in Arizona, Ohio, Oregon and Nebraska. 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. SmartMiles Safe 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. Safe Driving Behavior Discount applies at the next policy renewal and remains while the vehicle is enrolled in SmartMiles. Estimated premium is subject to change based upon final rated mileage during the mileage period and policy changes. Safe Driving Behavior Discount not available in California.