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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 5% discount when you sign up. The safer you drive, the higher the discounts you could get – up to 40%.*

How SmartRide works

Plug In

We’ll send you a small device for your car within 10 days of signing up.


Drive as you normally do. Your first trip may take up to 24 hours to show as Active on our website.

Track Progress

Then go online to track your discount and get personalized feedback about your driving trends.

Lock In Your Discount

At the end of the program, simply send back your device and lock in your final discount. We’ll apply the discount at your next policy renewal.

SmartRide measures 4 driving factors

Your driving trends will determine your discount based on these four factors: miles driven, fast acceleration, hard braking and nighttime driving. You can track your progress and discount online.

miles driven Miles Driven

The more miles you put on your car the more likely it is you will have an accident. Plus keeping mileage down saves money on gas and car repairs.

hard breaking Hard Breaking

Hard breaking means forcing the vehicle to suddenly stop or decelerate in excess of 7.7 mph per second. Safe drivers will see very few instances of hard breaking.

fast acceleration Fast Acceleration

Fast acceleration is abruptly speeding more than 7.7 mph per second It can be a sign of aggressive driving.

Nighttime driving Nighttime Driving

Driving between midnight and 5 a.m. increases your chances of having an accident. Drivers during these times may be tired or distracted.

Discover what SmartRide can do for you

Safe drivers cost less to insure. We want to pass those savings on to you. So give SmartRide a try. It’s simple, just plug in and drive.

Learn more about how SmartRide works for you

Get quick answers to your questions about the SmartRide program.

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