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 discount when you sign up. The safer you drive, the higher the discounts you could get – up to 40%.
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.
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.
Measures sudden decreases in speed.
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.
If you have a connected car that measures driving behavior, you may have already earned a SmartRide discount.
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.
Availability varies; program criteria differs 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.
