Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 5, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Company Details
Address: One Nationwide Plaza
City: Columbus
State: OH
ZIP Code: 43215-2220
Phone Number: 1-877-669-6877
Website: https://www.nationwide.com/
Year Founded:
AM Best Rating:
Company Rating 0 (0 reviews)

Just the Basics

  • 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 auto 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.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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 auto insurance policy 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.