Nationwide SmartRide Review for 2022

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

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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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Written by Sara Routhier
Director of Outreach Sara Routhier

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 Cynthia Lanctot

UPDATED: Feb 25, 2022

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A Concise Overview

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

Nationwide SmartRide is a usage-based insurance program that evaluates driving trends and driving behaviors and then offers an estimated discount 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 selections you already have.

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

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What is Nationwide SmartRide?

SmartRide from Nationwide is an auto insurance policy that 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 plug-in device into your connected vehicle.

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

It is easy to keep track of your SmartRide discount through Nationwide SmartRide mobile app.

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% discount you get off of your Nationwide SmartRide auto insurance quote. Most drivers report getting around 20% off. And since that’s for the life of your policy, that can really add up.

As a Nationwide customer, 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 make safer driving decisions.

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, you are more likely to get a discount at renewal, 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.

It’s easy to 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 SmartRide usually have stated discounts before you even apply because that is the main appeal to this sort of thing. We hope with this review will help drivers to understand better that tracking your usage can provide you with actual savings.

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