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SmartMiles®

Get a personalized premium based on your driving trends.

Drive less? Get a monthly insurance premium that's based on your mileage.

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Call 1-855-241-9720 or your agent.
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Introducing a pay-per-mile car insurance program that could save you money

SmartMiles® is car insurance for low-mileage drivers. It's the same great coverage as a traditional Nationwide® auto policy, but with a flexible monthly premium that's based on how many miles you drive.


How SmartMiles works

Your personalized premium consists of 2 parts: a base premium and a variable premium (cost per mile). Because the variable portion of your premium is based on mileage, it will vary month to month based on the number of miles you drive.1 Your mileage is measured by either a device or a connected car.

Who is SmartMiles for

If you drive less than the average driver, SmartMiles could save you money. You might not get behind the 
wheel every day because you:

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Live close to work

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Work from home and don't commute

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Have an extra car you rarely drive

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Frequently ride public transportation

Discover what SmartMiles can do for you

There are 2 ways to participate: with a small device or with an eligible connected car. Watch our videos to learn more.

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SmartMiles with a device

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SmartMiles with a connected car

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What you get with SmartMiles

Safe driving behavior discount1
Get up to a 10% discount for safe driving after the first renewal.

Convenient mileage tracking
SmartMiles uses a small device or your connected car to track the miles you drive.

Road trip exception
Only the first 250 miles count on a single day.

Online access
Keep tabs on your driving data and your monthly payment.

Learn more about how SmartMiles works for you

Get quick answers to your questions about the program.
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Yes. SmartMiles offers the same flexibility and great coverage selections as traditional auto insurance policies. But with SmartMiles you could pay less, because your monthly payment is based on the number of miles you drive.

Most vehicles manufactured after 1996 are eligible for SmartMiles. 2018+ Toyota connected cars can track miles driven using the vehicle. Some hybrids, EV’s and diesel-powered cars my be incompatible with the device

The premium consists of two parts: a base premium and a variable mileage premium (Cost Per Mile). The Base Premium and Cost Per Mile do not vary throughout the policy term unless you make changes to your policy.

To calculate your monthly payment, we combine the Base Premium, and the Cost Per Mile multiplied by the number of miles driven in the prior billing cycle (typically the prior month). Because the variable portion of your premium is based on mileage, it will vary month-to-month based on the number of miles you drive.

SmartMiles is not available in the following states: AK, HI, LA, NC, NY and OK.

SmartMiles is a pay-per-mile auto insurance program designed to save low mileage drivers money, where the premium you pay varies by how many miles you drive, giving you more control over your auto insurance costs than a traditional policy. In addition, you can earn up to 10% Safe Driving Behavior Discount based on driving behavior data collected during the first term of participation.1

SmartRide is a safe-diving discount program for traditional auto insurance policies. You can earn a participation discount at enrollment, and can earn up to a 40% discount, in most states, based on your safe driving behaviors.2

If you have questions about which program is right for you, contact your agent or call us at 1-855-421-2688.

[1] Products underwritten by Nationwide Mutual Insurance Company and Affiliates. Columbus, Ohio. Availability varies. 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. SmartMiles Safe 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. Safe Driving Behavior Discount applies at the next policy renewal and remains while the vehicle is enrolled in SmartMiles. Estimated premium is subject to change based upon final rated mileage during the mileage period and policy changes. Safe Driving Behavior Discount not available in California.

[2] Availability varies; program criteria differs in California and North Carolina. 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. Enrollment discount applies until a driving behavior discount can be calculated, which could be zero. 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.