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  • Telematics
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    Nationwide telematics

    Customers who have a connected car can participate in SmartRide without an app or a device

    How does it work?

    Discount earned instantly
    (if historical data is available)


    number 1 iconCustomer with an eligible vehicle already opted in to sharing driving data.

    number 2 icon90 days of historical driving data is available.

    number 3 iconDriving data qualifies for a discount, based on SmartRide metrics.

    number 4 iconIf 15% or higher, the full SmartRide discount is applied, and no other action is required.

    Eligible vehicles: Toyota (2018+)

    Participation with connected car
    (if no historical data is available)


    number 1 iconCustomer owns an eligible vehicle

    number 2 iconCustomer gets a 15%1 discount at enrollment.

    number 3 iconCustomer agrees to start sharing driving data on their vehicle.

    number 4 iconIn about 6 months, customers can earn up to 40%2, based on safe driving.

    Eligible vehicles: Toyota (2018+)

    SmartRide measures four factors

    mileage icon

    Miles driven

    The number of miles driven during a trip

    warning icon

    Hard braking/fast acceleration

    Measures sudden decreases and increases in speed. This could be a sign of aggressive driving.

    car icon

    Night driving

    Driving between midnight and 5 a.m.

    odometer icon

    Idle time

    The length of time stopped during a trip

    Get answers about how SmartRide works with connected car

    If one or more vehicles are participating in a vehicle-level telematics program (connected car, SmartMiles), the other vehicles can participate in SmartRide using the device. SmartRide device details (PDF)

    There is no cost to participate. Simply enroll, activate and drive.

    SmartRide is an optional program available to Nationwide members who have auto insurance.

    No. This is a discount program. SmartRide measures driving behavior to reward you with a discount, not raise your rates.

    Marketing resources

    Visit our social media platform and the Marketing Resource Hub to access the latest usage‑based marketing content to share with customers. Search “SmartRide” to find ready‑to‑use materials that support your client conversations.

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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.

    [1] 10% in OK, FL, PA, NC, NY, ND, NJ. 5% in CA

    [2] Up to 14% in CA.

    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.