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 on how agents can benefit from selling SmartMiles.

Available in: AR, AZ, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, ND, NE, NH, NM, NV, OH, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

What is pay-per-mile?

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:


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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

Safe driving discount

In addition to a lower monthly premium, customers could get up to 10% off for safe driving. The discount is applied at renewal and is calculated using the following metrics:


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Hard braking and acceleration

Hard braking is considered a slowing in excess of 7.7 mph per second.

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Night driving

Driving between midnight and 5 a.m. increases the chances of an accident.

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Number of stops (on each trip)

Driving in stop-and-go traffic is riskier than in steadily flowing traffic.

Top selling tips

1. Ask customers about their annual mileage; if it's 10,000 annual miles or less per vehicle, consider SmartMiles.
2. Inform customers that their rate will flex depending on their monthly mileage.
3. If you’re eligible, consider trying the program for yourself.
4. Remind customers that our road trip exception counts only the first 250 miles in a day.
5. Assure customers that Nationwide is committed to protecting their driving data.

Sales resources

Program overview
Discover the unique customer advantages of SmartMiles.
Program benefits
See how SmartMiles stands out from competitors' pay-per-mile programs.
Experience guide
Understand the SmartMiles customer experience with this one-pager.
Sales guide
Learn more about determining which customers are the right fit for SmartMiles.
Comparison guide
Learn more about the key differentiators between SmartMiles and SmartRide.
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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.