See how SmartRide® can help increase sales and retain* your clients by rewarding safe drivers.

Try it yourself to see how easy it is to participate!

SmartRide program criteria differ in Ohio, California and New York.

How does it work?

Nationwide's SmartRide program rewards customers for driving safely. Plus, their rate will not increase as a result of participation.

10% participation discount, Up to 40% off premium, Personalized feedback on driving habits

Customers can easily participate by using the SmartRide app, which can be activated in a few minutes. No shipping or device required.

SmartRide measures these metrics


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Miles driven

Measures the number of miles driven during a trip


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Hard braking & acceleration

Measures abruptly slowing down or accelerating in excess of 7.7 mph per second


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Night driving

Measures driving between midnight and 5 a.m.


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Idle time

Measures the length of time stopped while in a trip

Other ways customers can earn a SmartRide discount


Compatibility Activation Participation Discount
Car with a wifi signal above it
Use connected car data
Learn more
2015 or newer Acura, General Motors, Genesis, Honda or Hyundai with a Data Communication Module (DCM) Customer will need to have opted in to driving data collection through the manufacturer. No participation is necessary. The discount is calculated at the point of sale, using the data that was already collected. It is applied to each qualifying vehicle.
Nationwide logo on a tablet screen
Plug in the SmartRide device
1996 and newer, device-compatible vehicles. Device only available when combined with SmartMiles or Connected Car. 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.

Top selling tips

1. Offer SmartRide with every quote.
2. Encourage customers to use the SmartRide app to participate.
3. Review key program benefits, including the potential savings and driving feedback.
4.To get firsthand experience, try the SmartRide app.
5. 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 Personal Lines Sales or Territory Manager to learn more.
*2019 national Nationwide data for customers who completed the SmartRide evaluation period

Customers who participated in the SmartRide program had first-term retention rates more than 5 points higher than the Nationwide average.

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.