Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 31, 2021

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The Lowdown

  • Nationwide SmartRide (or Nationwide Smart Ride) is Nationwide insurance company’s usage-based rewards program
  • You can save 10 percent for signing up and up to an additional 40 percent based on how safely you drive
  • Your savings will be calculated based on between four and six months of tracked driving; the discount will be applied at your next policy renewal

Like many auto insurance companies, Nationwide insurance (which has a variety of insurance offerings including Nationwide pet insurance and Nationwide retirement plans) offers a couple of options for usage-based insurance. Specifically, if you’re insured by Nationwide, you can participate in the Nationwide SmartRide and Nationwide SmartMiles programs.

In this review, we’re focused on Nationwide SmartRide. What is it? How much can you save? Can you buy nationwide SmartRide auto insurance? How much are average Nationwide SmartRide auto insurance rates? Is affordable Nationwide SmartRide auto insurance available? Keep reading to find out.

Ready to get started? Before going any further on this SmartRide from Nationwide review, take a minute to enter your ZIP code in the free tool on this page to start comparing quotes from insurance companies in your area right now.

What is Nationwide SmartRide, and how does it work?

Nationwide SmartRide is a usage-based insurance program. What do we mean by usage-based insurance?

In short, programs like SmartRide use telematics technology (through either a smartphone app or vehicle plug-in device) to track data like your speed, where and when you drive, how many miles you drive, and more. This data is then used to calculate insurance rates or discounts based on your individual driving behavior

To start saving with SmartRide, you’ll need to speak with your Nationwide insurance agent to enroll. Once you’re signed up, you’ll download the SmartRide app. Then, the next time you drive, the app will start tracking your driving habits.

To calculate your discount, Nationwide SmartRide tracks your:

  • Miles driven (the less you drive, the better)
  • Hard braking and acceleration (this indicates aggressive driving; avoid both as much as you can)
  • Idle time (more idle time means more traffic congestion, which can count against you)
  • Nighttime driving (late night driving is higher-risk; avoid driving between midnight at 5 a.m.)

The program uses between four and six months of this data to determine your unique discount. And if you’re wondering how your discount looks at any given point during the program, you can just ask Amazon Alexa, which is connected with the program.

Keep reading to find out how much you can save.

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How much can you save with Nationwide SmartRide, and is it worth it?

So how much will you pay for insurance with Nationwide SmartRide? That is entirely up to you, and as a result, the company doesn’t publish Nationwide SmartRide auto insurance quotes. However, we can tell you how big of a discount you may qualify for with SmartRide.

Just for signing up, you’ll get an initial 10 percent off of your auto insurance rates. Based on the collective results of the data tracked during the SmartRide program, you can get an additional discount of up to 40 percent, which will be applied to your monthly rates at your next policy renewal.

If you have a connected car (a vehicle that already tracks your driving) and you’ve chosen to share that data, you may qualify for a SmartRide discount without downloading the app. Your insurance agent can give you more information and let you know if you qualify.

The main downside to Nationwide SmartRide (and other, similar programs like American Family KnowYourDrive) is the lack of privacy.

The Insurance Information Institute reports that privacy concerns related to telematics-driven tracking are significant enough that a growing number of states require insurance companies to be clear about how data is tracked, stored, and used so the customer can make informed decisions.

Nationwide SmartRide: The Bottom Line

If you’re looking to save on your rates, you’ll get an automatic 10 percent discount by signing up for Nationwide SmartRide. The SmartRide app tracks your driving habits for up to six months and calculates your discount based on the collected data. You can earn up to 40 percent off your monthly rates, which will be applied at your next policy renewal.

Now that we’ve covered the Nationwide SmartRide auto insurance basics in this review, why not use your ZIP code in the free tool on this page to start comparing insurance quotes from companies near you?