Nationwide SmartRide Review | Usage-based Auto Insurance

Nationwide SmartRide promises a 5% to 40% discount after monitoring driving habits for six months. The Nationwide SmartRide device works with the SmartRide app to collect data like speed and hard braking. Nationwide SmartRide may be worth it if you don't drive frequently.

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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...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 27, 2021

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What You Should Know

  • Nationwide SmartRide is pay-how-you-drive (PHYD) insurance.
  • Car insurance rates for Nationwide are more affordable than some of its competitors.
  • Nationwide is one of the top insurance companies in the United States.

Nationwide SmartRide is one of Nationwide’s usage-based insurance services. Policyholders who want to save money on Nationwide auto insurance can use SmartRide to earn a discount as long as they let Nationwide monitor their driving habits, speed, and hard braking events.

How much can a customer save with this service? Can you get Nationwide SmartRide quotes online? Read on for a full Nationwide SmartRide review.

If you want to get instant auto insurance quotes before reading more about Nationwide SmartRide, enter your ZIP code in the free comparison tool above.

What is Nationwide SmartRide?

Perhaps you’ve got a glimpse of Nationwide SmartRide brochure or an online advertisement for the Nationwide auto insurance pay-how-you-drive insurance program. This video further details Nationwide’s usage-based insurance services.

SmartRide is a program that issues a five percent discount upon Nationwide SmartRide enrollment. Using a device called a telematic, Nationwide is able to collect information and send it to the Nationwide SmartRide Mobile App. This information reports your driving habits over the next few months until you reach a 40 percent discount cap. Nationwide Smartride rates are based on the calculated discount.

Many customers confuse SmartRide with Nationwide SmartMiles.

Nationwide SmartMiles is a pay-as-you-drive option that charges you auto insurance rates based on the number of miles you drive.

Both insurance options are considered usage-based insurance, but this is not a Nationwide SmartMiles review and only focuses on SmartDrive.

How does Nationwide SmartRide work?

First, you must enroll in SmartRide. Once you agree to the terms and conditions, Nationwide will send you a telematic device to connect to the Nationwide SmartRide Mobile App. Nationwide SmartRide device installation is simple. Connect your telematics to an On-Board Diagnostic port in your vehicle. The device from Nationwide SmartRide lights up to tell you it’s working.

How does the SmartRide device work? The Nationwide SmartRide device reviews your driving activity, such as phone use and speeding. Nationwide SmartRide tracks idle time as well, which may indicate time spent in traffic. If the Nationwide SmartRide App is not working, contact Nationwide SmartRide phone number at 1-877-669-6877.

A clean driving record and good driving habits produce the best auto insurance discounts

The Nationwide SmartRide average discount is in the range of 15 percent. Nationwide offers a 10 percent discount just for signing up.

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Nationwide SmartRide Insurance App Reviews

Despite SmartRide’s capabilities, it has moderate reviews in the Google Play Store. The reviews in the Apple App Store rate it much better. According to Google Play reviews, SmartRide by Nationwide is rated 3.2 out of five stars. SmartRide’s Apple App Store rating is 4.4 out of five stars.

What about Nationwide SmartMiles reviews? It appears that Nationwide SmartMiles doesn’t have a unique app. However, it’s likely that they’ll monitor the miles you travel through the same telematic as SmartRide.

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Nationwide SmartRide Availability by State

Your discount savings may be the same through SmartRide, but your car insurance rates won’t be the same. According to the Insurance Information Institute, every state has unique financial responsibility limits. Therefore, coverage rates will vary for each state.

Unlike Nationwide SmartMiles, SmartRide is available in all states. Let’s examine what six-month Nationwide auto insurance would look like with and without a Smart Ride discount.

Nationwide SmartRide® Average Six-Month Auto Insurance Rates
Nationwide SmartRide® StatusAverage Six-Month Auto Insurance Rates
With SmartRide$571 to $645
Without SmartRide$714
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You can save nearly $200 when you have the SmartRide discount, and that’s not even counting the other discounts you could receive. Take advantage of every discount you qualify for and save hundreds on your auto insurance policy.

Enter your ZIP code below to compare auto insurance rates in your local area right now. Then wrap up the Nationwide SmartRide review with the FAQ below.

Frequently Asked Questions: Nationwide SmartRide

#1 – Is Nationwide SmartRide worth it?

If you want to save more money on auto insurance, then yes, it’s worth it.

#2 – What happens if you unplug SmartRide?

You’re allowed to unplug the SmartRide device a few times per month. Too many times will result in the loss of your discount. If the SmartRide device is causing issues with your vehicle, unplug it immediately and contact Nationwide.

#3 – Does Nationwide SmartRide track your location?

Yes. Part of the monitoring system hones in on your location.

#4 – What’s the average cost of Nationwide auto insurance?

The average cost of Nationwide car insurance is $1,800 to $2,000 per year.

#5 – Is it better to brake slowly or quickly?

It’s better to brake slowly at longer distances so the vehicle won’t be hard to stop.

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