All vehicle insurance
All business insurance
By business type
All investment products
Introducing a pay-per-mile car insurance program that could save you money
How SmartMiles works
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...
Live close to work
Work from home and don't commute
Have an extra car you rarely drive
Discover what SmartMiles can do for you
What you get with SmartMiles
Get up to a 10% discount for safe driving after the first renewal.
Only the first 250 miles count on a single day.
SmartMiles uses a small device or your connected car to track the miles you drive.
Keep tabs on your mileage and your monthly payment.
Learn more about how SmartMiles works for you
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.
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.
Most vehicles manufactured after 1996 are eligible for SmartMiles. 2018+ Ford and Lincoln connected cars can track miles driven using the vehicle. Some hybrids and diesel-powered cars may be incompatible with the device.
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.
SmartRide is a safe-driving discount program for traditional auto insurance policies. You earn a 10% participation discount at enrollment, and you can earn up to a 40% discount on your premium that applies at renewal by displaying safe driving behaviors during a one-time evaluation period.
If you have questions about which program is right for you, contact your agent or call us at 1-855-421-2688.
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.