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:


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

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:


warning icon

Hard braking and acceleration

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

night driving icon

Night driving

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

stop sign icon

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

SmartMiles details and availability varies. The 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. The SmartMiles 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. The Driving Behavior discount applies at the next policy renewal and remains while the vehicle is enrolled in SmartMiles. Estimated payments are subject to change based upon the final rated mileage during the mileage period and any policy changes.