Nationwide SmartRide Review for 2021

Nationwide SmartRide offers a 10 percent sign-up discount and then a discount of up to 40 percent based on safe driving. The Nationwide SmartRide device plugs into your car and tracks your driving for four to six months. Your discount is calculated after the rating period and applied to your policy for as long as you are with Nationwide.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Mar 8, 2021

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A Concise Overview

  • Nationwide SmartRide offers drivers discounts based on their safe driving habits
  • Drivers receive a 10 percent discount for signing up and then up to 40 percent off their rates at renewal.
  • SmartRide uses a small device that plugs into your car to evaluate driving

Nationwide SmartRide is a usage-based insurance program that evaluates driving habits and then offers discounts based on how well drivers score in certain categories. These types of discounts are very personalized. The better you drive, the more you save! You may get an enrollment discount when you sign up, which is another way that safe drivers can reduce their rates without being forced to let go of the coverage elements you already have.

Whether you are looking to buy Nationwide SmartRide auto insurance or are up for renewal, shop around to find the best coverage at the cheapest rates.

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What is Nationwide SmartRide?

SmartRide from Nationwide offers you discounts for safe driving habits and doesn’t penalize you for poor habits. It’s free to enroll, and you can either enroll when you sign up for your Nationwide auto insurance coverage or at any time later.

To enroll, simply sign up, and then Nationwide will send you the telematics device.

The Nationwide SmartRide device plugs into your car and monitors your driving for four to six months. Once the device is mailed in, Nationwide calculates your discount, which is good for the life of your policy.

The driving factors that are used to calculate your discount are:

  • Mileage
  • Hard braking
  • Fast acceleration
  • Nighttime driving
  • Idle time

All of these factors are used to determine just how much of that 40 percent discount you get off of your Nationwide SmartRide auto insurance quote. Most drivers report getting around 20 percent off. And since that’s for the life of your policy, that can really add up.

You can track your progress online and make adjustments to your driving as needed. The personalized feedback you can get from these programs may be the best way to become a safer driver.

Possibly the biggest incentive to use a telematics program is that it makes you a better driver.

According to the Insurance Information Institute, one of the main advantages of telematics is that it provides immediate feedback, causing you to adjust your driving habits quickly.

Although privacy can be a concern, Nationwide maintains that your data is not shared with anyone else.

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Is SmartRide worth it?

There really isn’t a downside to using SmartRide. Your Nationwide SmartRide auto insurance rates won’t go up for poor driving, the program is free, and you just might become a safer driver.

Since mileage and time of day are two of the factors tracked, this program might be best for low-mileage drivers who don’t drive during rush hour or late at night.

You get affordable Nationwide SmartRide auto insurance, but there are many other similar programs out there, such as GEICO DriveEasy and Liberty Mutual RightTrack.

Before you buy Nationwide SmartRide auto insurance, shop around to find the perfect car insurance for you. Enter your ZIP code now to compare quotes with your coverage selections to see if you can save on your auto insurance premiums with programs like this and the discounts they offer. Programs like this usually have stated discounts before you get states because that is the main appeal to this sort of thing. People need to understand that tracking your usage can provide you with actual savings.

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