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 rate that's based on how many miles you drive.
How SmartMiles works
Your rate consists of two parts: a base rate and a variable rate (cost per mile). Because the variable portion of your rate is based on mileage, it will vary month-to-month based on the number of miles you drive. Here is a monthly rate example:
*Actual scenario in IL: single, 35-year old male, 2014 Jeep Cherokee, no traffic violations or accidents in last 3 years. Includes average final safe driving behavior discount.
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 and work downtown
Work from home and don't commute
Have an extra car you rarely drive
Discover what SmartMiles can do for you
Watch this video to see how joining SmartMiles can help you save.
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.
Don’t worry. With the SmartMiles Road Trip Exception, we only count the first 250 miles driven per day. You can still save, even with the occasional long road trip.
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.
*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.
