Get a personalized rate based on your driving behavior.
Talk to your agent or call 1-855-241-9720 to get started.
What is usage-based insurance?
Usage-based insurance (UBI) measures your driving habits to offer a more personalized rate. You get more control over what you pay, and participating is easy. Join the thousands of drivers who use UBI to save on car insurance.
Ranked #1 in Customer Satisfaction among Usage-Based Auto Insurers by JD Power for three years in a row
The JD Power 2026 U.S. Auto Insurance Study measures customer satisfaction with auto insurance. Nationwide was ranked highest in Customer Satisfaction in the Usage-Based Insurers category.2
Nationwide’s usage-based insurance programs
SmartRide®
SmartRide is a safe-driving rewards program that offers a discount of up to 40%.*
SmartMiles®
SmartMiles is pay-per-mile insurance with a flexible monthly rate based on miles driven.
Start saving with usage-based insurance. Get a quote today.
Need help deciding what’s right for you? Talk to your agent or call 1-855-241-9720 for additional assistance.
Frequently asked questions
SmartRide is a safe-driving discount program for traditional auto insurance policies. You earn a participation discount at enrollment, and you can earn up to a 40% discount on your premium based on your safe driving behavior.
SmartMiles is a pay-per-mile car insurance program designed to save low mileage drivers money. The premium you pay varies by how many miles you drive, giving you more control over your car insurance costs than a traditional policy.
If you insure more than one vehicle on your Nationwide auto policy, you could be eligible for both SmartRide and SmartMiles. Either program could apply to individual vehicles on your policy at the same time in addition to a traditional Nationwide auto policy. If you have questions about which program is right for you, contact your agent or call us at 1-855-421-2688.
Usage-based insurance offers the same great coverage as a traditional Nationwide auto policy but uses an individual’s driving behavior to calculate their rate or provide a safe-driving behavior discount. Many drivers are able to lower their rate with UBI, and Nationwide's programs are simple and easy to use.
Data is collected using our secure app or an in-car device. The data collected is used for premium calculation, and for similar other purposes related to the SmartRide or SmartMiles programs, and it will not be sold to 3rd parties. Nationwide is committed to protecting customer information.
Additional details about data privacy and security can be found here: https://www.nationwide.com/personal/privacy-security/
[2] For JD Power 2026 award information, visit jdpower.com/awards.
SmartRide availability varies; program criteria differ 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 Virginia and Washington, the discount may decrease at renewal based on changes in driving behavior. In Michigan and Washington, the driving behavior discount is applied at renewal.
SmartMiles 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
SmartMiles and SmartRide are service marks of Nationwide Mutual Insurance Company.