SmartRide® is a great tool for potentially increasing sales while also rewarding safe drivers. Customers who participated in the SmartRide program had first-term retention rates more than 5 points higher than the Nationwide average.* This short video provides an overview on how agents can benefit from selling SmartRide.

SmartRide program criteria differ in California and New York. View all other states.

SmartRide rewards safe driving

Nationwide’s SmartRide program rewards customers who are committed to staying alert, avoiding distractions and following the rules of the road. The more safely a customer drives, the higher the savings. Plus, their rate will never increase as a result of participating in the program.

10% participation discount, Up to 25% off premium, Personalized feedback on driving habits

How customers can participate


Compatibility Activation Participation Discount
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Plug in the SmartRide device
1996 and newer, device-compatible vehicles The device must be installed within 45 days of enrollment and remain plugged into the vehicle. Trip data is collected for each enrolled vehicle. The discount applies to enrolled vehicles only.

SmartRide measures these metrics


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Miles driven

Statistics show that on average, the more miles driven, the higher the chances of an accident.


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Hard braking and acceleration

Hard braking is considered a slowing in excess 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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Idle time

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

Top selling tips

1. Offer SmartRide with every quote.
2. Review key program benefits, including the potential savings and driving feedback.
3. Assure customers that Nationwide is committed to protecting their driving data.

Sales resources

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Use Nationwide ExpressSM in Agent Center for fast, easy quoting.
Contact your sales manager to learn more.
*2019 national Nationwide data for customers who completed the SmartRide evaluation period

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 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.