How SmartRide® works

The program measures driving behavior and rewards safe drivers with a discount. Drivers receive an immediate enrollment discount that's replaced by an earned discount based on how safely they drive.

Drivers get a
10%
discount for enrolling.
Then, they could save up to
25%
off their premium.2

There are no surcharges for participating.

SmartRide measures 4 factors

1

Miles driven

The number of miles driven during a trip

2

Hard braking/
acceleration

Sudden decreases and increases in speed

3

Idle time

The length of time stopped during a trip

4

Nighttime driving

Driving between midnight and 5 a.m.
Factors and program details may vary by state.
tech icon
Participating in SmartRide
We'll send customers a device that plugs into their vehicle.
This discount is applied at the vehicle level.
Device activation guide

What discount can customers expect to earn?

The average discount is 19% after completing the evaluation period.1

92% of customers earn a discount after completing the evaluation period.1

SmartRide resources

Connect customers to details about SmartRide.

Access prewritten posts (search “SmartRide” to locate these materials).

Overcoming customer objections

I work the graveyard shift so I drive at night.
Someone who drives at night shouldn’t automatically be discouraged from participating in SmartRide. Nighttime driving is 1 of the 4 factors used to calculate the SmartRide discount. Someone who drives at night could still earn a discount that’s higher than the participation discount if they perform well in the other 3 metrics.

I wonder how my data is collected and used. (This answer should help with Big Brother and claims concerns.)
The data is only used for research and analytical purposes, related to the SmartRide program. The data is not sold to third parties for marketing purposes. However, similar to other types of personal data Nationwide may share the data as permitted or required by law pursuant to a subpoena, court order, law enforcement or regulatory inquiry, or some other duly authorized data request. Nationwide and/or you may be legally required to provide the data to others who may use it in an accident investigation and/or litigation. Also, we only keep the data for as long as it’s legally required.

I don’t understand how it tracks my driving and why those factors are important.
Visit this page to find out what the program measures and why they are important to determine driving behavior: nationwide.com/getsmartride

There have been a lot of data breaches in the news and I am concerned about privacy.
Nationwide takes data privacy very seriously, and has dedicated resources to ensure personal data is protected.

Telematics systems are complicated to install and use.
Participation in SmartRide is really simple. Customers have the choice between installing a small device in their vehicle, which takes less than a minute, or downloading and activating a mobile app. Here are some videos: nationwide.com/getsmartride
[1] Based on Nationwide data from March 2023 through February 2024 for customers who completed the SmartRide evaluation period in New York.
[2] Stated discounts are approximations. Discounts do not apply to all coverage elements; actual savings, availability and program criteria vary by state, coverage selections, rating factors and policy changes. The enrollment discount applies until a driving behavior discount can be calculated, which could be zero. The driving behavior discount is applied to a policy when all drivers have activated the SmartRide mobile app within 30 days of the policy’s effective date and the app remains active for 80 days. All discounts are subject to change based upon actuarial support and driving behavior at subsequent renewals or with changes in drivers or vehicles on the policy. In VA and WA, the discount may decrease at renewal based on changes in driving behavior. In WA, the driving behavior discount is applied at renewal.