SmartMiles® is a great tool for potentially increasing sales while also helping low-mileage drivers save on car insurance. This short video provides an overview of how low-mileage drivers can benefit from SmartMiles.

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. A small in-car device 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:


bus icon

Frequent public transportation riders

laptop icon

Remote workers

buildings icon

Those who live close to work

automobiles icon

Those with an extra car they rarely drive

What customers get with SmartMiles

Convenient mileage tracking
SmartMiles uses a small device to track the miles driven.

Online access
Customers can keep tabs on their mileage and monthly payment.

Road trip exception
Only the first 250 miles count on a single day.

Safe driving behavior discount
Customers could get a discount of up to 10% for safe driving after the first renewal.

 

Sales resources

Customer experience

Use this guide to walk customers through the SmartMiles experience.

Combining telematics

A look at how easy is to add SmartMiles and SmartRide to the same policy.

Comparison guide

Learn more about the key differences between SmartMiles and SmartRide.

Marketing resources

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

SmartMiles is available in 41 states

SmartMiles is available in 41 states: Alabama, Arkansas, Arizona, Colorado, Connecticut, the District of Columbia, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Dakota, Nebraska, New Hampshire, New Mexico, Nevada, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia and Wyoming.
laptop icon
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.