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.

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 40% off premium, Personalized feedback on driving habits

Three ways customers can earn a discount

Compatibility Activation Participation Discount
Nationwide and SmartRide logo
Download the SmartRide app
iPhone: 5s or newer, iOS 10 or higher
Android: 5 or higher
The app must remain installed and active during participation, with certain settings enabled. Trip data is collected for each driver. All drivers on the policy should download and activate the app. The discount is calculated for each driver. Driver discounts are averaged to determine a final discount, which applies to all vehicles on the policy.
Nationwide logo on a tablet screen
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.
Car with a wifi signal above it
Use connected car data
Learn more
2015 or newer GMC, Buick, Cadillac or Chevrolet vehicle 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.

SmartRide measures these metrics


Miles driven

Measures the number of miles driven during a trip


Hard braking & acceleration

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


Night driving

Measures driving between midnight and 5 a.m.


Idle time

Measures the length of time stopped while in a trip

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

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.