SmartMiles® is a great tool for potentially increasing sales while also helping low-mileage drivers save on car insurance.

How SmartMiles works

SmartMiles offers the same great coverage as a traditional Nationwide auto policy but with a flexible monthly premium that's based on mileage. The premium consists of two parts: a base rate and a mileage rate. SmartMiles measures mileage, and monthly email updates make it easy to see the estimated premium.

SmartMiles $95 total rate; $60 variable rate, 7 cents per mile times miles driven per month; $35 base rate; 500 miles per month
Traditional policy $133; unlimited mileage
*Actual scenario in Chicago, IL: single 35-year-old male, 2017 Jeep Cherokee L, no traffic violations or accidents in the last 3 years, includes average final safe driving behavior discount. Data is through November 2020.

Ideal SmartMiles candidates include:

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Participating in SmartMiles

There are 2 ways to participate in SmartMiles: with a device or with a connected car. To use a connected car, drivers must have an eligible vehicle and give Nationwide permission to access data. Watch our videos to learn more.

SmartMiles with a device

SmartMiles with a connected car

What you get with SmartMiles

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Road trip exception

Only the first 250 miles count on a single day.

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Convenient mileage tracking

SmartMiles uses a small device or your connected car to track the miles you drive.

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Online access

Keep tabs on your mileage and your monthly payment.

Sales resources

Learn about the SmartMiles customer activation experience.

Marketing resources

Visit our social media platform and Nationwide Marketing Central® to get the latest usage-based content to share with customers. Search “SmartMiles” to access these materials.

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

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Use Nationwide Express® in Agent Center for fast, easy quoting.
Contact your Personal Lines Sales or Territory Manager to learn more.

Products underwritten by Nationwide Mutual Insurance Company and Affiliates. Columbus, Ohio. Availability varies. 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.