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 

See how joining Smartride can help you save.

smartride plug and drive icon

Plug In and Drive

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

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Track Progress

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

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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.

Program overview

See how joining SmartRide can help you save.

SmartRide measures 4 driving factors

Your driving trends will determine your discount based on 4 factors: miles driven, hard braking, fast acceleration and nighttime driving. Learn more about these factors in the videos below.

smartride miles driven icon Miles Driven

Measures how many miles a vehicle is driven. Statistics show that on average, the more miles driven, the higher the chances of an accident.

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smartride hard braking icon Hard Braking

Hard braking 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 braking.

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smartride fast acceleration icon Fast Acceleration

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

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smartride nighttime driving icon Nighttime Driving

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

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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. 

Watch How To Install Your Device

Learn how to plug in and drive your way to a discount.

Learn more about how SmartRide works for you 

Get quick answers to your questions about the SmartRide program.

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