Pay-per-mile car insurance program

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

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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 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:

SmartMiles total rate example: $78 ($48 base rate plus $30 variable rate)
Traditional policy example rate: $115
*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.

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What you get with SmartMiles

up to 10 percent
Safe driving behavior discount

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

Road trip exception

Only the first 250 miles count on a single day.

Convenient mileage tracking

SmartMiles uses a small device to track the miles you drive.

Online access

Keep tabs on your mileage 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.

*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.