Nationwide SmartRide Service Review for 2021
Nationwide SmartRide is a free usage-based insurance program designed to help you earn a discount on your car insurance premiums. Nationwide uses the SmartRide app to track specific driving behaviors. These behaviors, such as speeding, hard braking, and distracted driving, are tracked because they are tied to an increased risk of car accidents.
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Written by
D. Gilson, PhD
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Reviewed by
Jeffrey Johnson
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UPDATED: Mar 30, 2021
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- SmartRide is a free usage-based insurance program
- The program allows you to earn up to a 40 percent discount based on your driving habits
- SmartRide uses an app to track your driving behaviors while you drive
Everyone wants more affordable car insurance, and Nationwide SmartRide is a great way to make your current Nationwide policy more affordable.
SmartRide is a usage-based discount program that promotes safer driving by tracking specific driving behaviors and offering a discount that grows the safer you drive.
According to Nationwide, this discount can be as large as 40 percent.
Keep reading to learn more about how SmartRide works and how you can enroll.
If you feel like you need more than just a Nationwide SmartRide discount to make your car insurance affordable, enter your ZIP code above, and find competitive car insurance rates near you.
How much does SmartRide cost?
SmartRide is a free program. It doesn’t cost anything to enroll; you need to contact Nationwide customer service.
The accompanying app that is used to collect data and provide you with driving tips is also free and compatible with most smartphones.
In addition, SmartRide won’t raise your rates, even if you have multiple bad habits that need correcting. Instead, you will earn a smaller discount that grows as you improve.
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How does SmartRide save me money?
Nationwide SmartRide is designed to encourage you to be a safer driver by tracking specific driving behaviors. Then, as you correct these behaviors, you will earn a discount that is applied to your monthly premiums.
The discount is calculated weekly and applied every time you renew your policy. You can earn up to a 40 percent discount as you continue to improve over time.
What behaviors does SmartRide track?
SmartRide uses an app to track four metrics:
- Mileage
- Night driving
- Hard braking and acceleration
- Idle time
Each of these metrics is tied to safer driving behaviors. For example, if you are consistently braking hard and doing quick accelerations, that can indicate you are distracted while driving.
Distracted driving is a contributor to fatal car accidents, according to the CDC.
Night driving is also tied to a higher risk of car accidents, according to the National Safety Council.
Due to these statistics, you will earn a discount by avoiding driving at night and being more gradual with your stops and accelerations.
Is SmartRide right for me?
SmartRide is a great way to save on your Nationwide car insurance. It’s a risk-free program with no cost to join and no chance of your premiums increasing because you enrolled.
There are no downsides to the SmartRide program. Instead, just ways to improve your overall driving habits and reduce your monthly premiums.
Want to reduce the cost of your car insurance with one quick phone call to Nationwide’s customer service?
Now that you have finished this Nationwide SmartRide review, enter your ZIP code below to pull up local rates and help you make sure you are getting the best price available.