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Nationwide’s SmartRide program rewards safe driving
Driving safely is no easy feat. If you’re a driver committed to staying alert, avoiding distractions, and following the rules of the road, we’re going to reward you for it.
SmartRide, a usage-based insurance program, gives you personalized feedback to help you make even safer driving decisions. You’ll earn an instant 10% discount when you sign up. The safer you drive, the higher the discounts you could get – up to 40%.
How SmartRide works:
1. After enrolling, download and activate the app.
2. Drive as you normally do, and confirm the first few trips.
3. Check the app often to see your progress and track your discount.
4. Lock in your final discount at the end of the program. We'll apply your discount* at your next policy renewal.
SmartRide measures 4 driving factors
Measures the number of miles driven during a trip. Statistics show that on average, the more miles driven, the higher the chances of an accident.
Hard braking & acceleration
Measures abruptly slowing down or accelerating in excess of 7.7 mph per second. This could be a sign of aggressive driving.
Measures the length of time stopped while in a trip. This could be an indication of driving in congested traffic.
Measures driving between midnight and 5 a.m. Driving during certain times increases the chance of an accident.
Have a connected car?
If you have a connected car that measures driving behavior, you may have already earned a SmartRide discount.
Learn more about how SmartRide works for you
There is no cost to participate. Simply enroll, activate and drive.
SmartRide is an optional program available to Nationwide members who have auto insurance.
No. This is a discount program. SmartRide measures driving behavior to reward you with a discount, not raise your rates.
During the program, your estimated discount is updated weekly based on your driving. At the end of the program, your final discount is calculated and applied at your next policy renewal. You’ll receive the discount for as long as you insure your vehicle with us.
The SmartRide program lasts about four to six months.
The SmartRide app is the easiest way to participate in SmartRide for most customers. However, we may recommend participating in SmartRide with a device if one of your vehicles was enrolled in one of our other usage-based insurance programs. Learn more about the SmartRide device program.
If you have questions about your SmartRide discount, contact your agent or call us at 1-855-421-2688.
*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.