Nationwide SmartRide Review: Pros, Cons, & Alternatives (2024)

Discover how Nationwide SmartRide can help you save on car insurance rates. This usage-based insurance program tracks your driving habits and rewards safe driving with discounts of up to 40%. From monitoring speed and braking to analyzing acceleration and idling habits, SmartRide calculates personalized discounts based on your driving behavior.

UPDATED: Jun 17, 2024Fact Checked

Laura Berry

Former Licensed Insurance Producer

Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

Former Licensed Insurance Producer

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

UPDATED: Jun 17, 2024

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

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

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Jun 17, 2024

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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

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

UPDATED: Jun 17, 2024Fact Checked
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Nationwide SmartRide

Average monthly rate for good drivers:

$100

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Usage-based insurance program with potential discounts of up to 40%
  • Wide variety of insurance offerings, including pet insurance and retirement plans
  • Partnership with Amazon Alexa for real-time SmartRide data updates
  • Convenient enrollment process through Nationwide insurance agents
  • Initial 10% discount upon enrollment

Cons

  • Privacy concerns related to the tracking of personal driving data
  • Lack of specific quotes or average rates for SmartRide, as they are based on individual driving habits
  • Potential for increased premiums if safe driving habits are not maintained
  • Installation and maintenance of the telematics device may be inconvenient for some users

With Nationwide SmartRide, you can save 10 percent for signing up and up to an additional 40 percent, based on your driving habits. The app tracks several metrics, including your braking, acceleration, and idling habits, to calculate your discount.

Wondering if Nationwide is a good insurance company or is a good fit for your needs? We have customer feedback and reviews on Nationwide to help you decide.

Before you leave this Nationwide SmartRide (or Nationwide Smart Ride) review, use your ZIP code in the tool on this page to get free quotes from car insurance companies in your area to start comparing rates today.

What You Should Know About Nationwide

Address: One Nationwide Plaza
City: Columbus
State: OH
ZIP Code: 43215-2220
Phone Number: 1-800-882-2822
Year Founded: 1926

AM Best Rating: A+

Discover the ultimate manual for unlocking Nationwide car insurance discounts with SmartRide, and unleash the potential to save significantly on your car insurance premiums. In this article, we will explore the key features and benefits of Nationwide SmartRide, a usage-based insurance program that rewards safe driving with potential discounts of up to 40%.

We will delve into how it works, what driving habits it tracks, and the potential savings you can enjoy. Additionally, we will discuss the pros and cons of Nationwide SmartRide and provide alternatives to consider.

To find the best insurance rates tailored to your needs, enter your ZIP code now and compare quotes from top insurance providers. Take control of your car insurance costs and start driving smarter with Nationwide SmartRide.

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What is Nationwide SmartRide, and how does it work?

SmartRide is Nationwide insurance company’s usage-based insurance rewards program (along with the SmartMiles program). Like most usage-based insurance programs, SmartRide uses telematics technology to track driver behavior and provide discounts unique to the individual.

The company, which has a wide variety of offerings, including Nationwide pet insurance and Nationwide retirement plans, has also partnered with Amazon Alexa so you can get up-to-date information on recently-collected SmartRide data and how it affects your discount.

https://www.youtube.com/watch?v=9QbY6GEpMbw

To benefit from SmartRide, you’ll need to enroll in the program. All you need to do is speak with your Nationwide insurance agent. They’ll get you signed up. Download the SmartRide app, go for a drive, and watch the discounts roll in.

When you’re considering whether to buy Nationwide SmartRide car insurance, you’re probably wondering what counts toward discounts when you’re behind the wheel. What does Nationwide SmartRide track? When you’re driving, the SmartRide app will track your:

  • Miles driven (fewer miles is better for discounts)
  • Hard braking and acceleration (this can count against you)
  • Idle time (indicates traffic congestion; less is better)
  • Nighttime driving (avoid driving between midnight at 5 a.m. when possible)

Keep reading to find out how much you can save with SmartRide.

Nationwide Insurance Coverage Options

SmartRide is Nationwide insurance company’s usage-based insurance rewards program (along with the SmartMiles program). Like most usage-based insurance programs, SmartRide uses telematics technology to track driver behavior and provide discounts unique to the individual.

The company, which has a wide variety of offerings, including Nationwide pet insurance and Nationwide retirement plans, has also partnered with Amazon Alexa so you can get up-to-date information on recently-collected SmartRide data and how it affects your discount.

https://www.youtube.com/watch?v=9QbY6GEpMbw

To benefit from SmartRide, you’ll need to enroll in the program. All you need to do is speak with your Nationwide insurance agent. They’ll get you signed up. Download the SmartRide app, go for a drive, and watch the discounts roll in.

When you’re considering whether to buy Nationwide SmartRide car insurance, you’re probably wondering what counts toward discounts when you’re behind the wheel. What does Nationwide SmartRide track? When you’re driving, the SmartRide app will track your:

  • Miles driven (fewer miles is better for discounts)
  • Hard braking and acceleration (this can count against you)
  • Idle time (indicates traffic congestion; less is better)
  • Nighttime driving (avoid driving between midnight at 5 a.m. when possible)

Keep reading to find out how much you can save with SmartRide.

Nationwide Insurance Rates Breakdown

Here are the factors affecting cost of insurance:

  • Driving Habits: Insurance programs like Nationwide SmartRide, Progressive Snapshot, and others offer potential discounts for safe driving habits. Factors such as smooth acceleration, gentle braking, and adherence to speed limits can positively impact cost.
  • Telematics Data: The accuracy and depth of telematics data collected by the insurance company’s monitoring devices play a crucial role. More comprehensive data on driving behavior allows for a more precise assessment, potentially influencing cost.
  • Policyholder’s Age and Experience: Young, inexperienced drivers often face higher insurance premiums due to statistically higher accident rates. Conversely, older, more experienced drivers may enjoy lower costs.
  • Vehicle Type and Model: Vehicles equipped with advanced safety features and technologies may qualify for discounts. The make and model’s safety rating also impact insurance costs.
  • Mileage Driven: Drivers who cover fewer miles are generally considered lower risk and may qualify for discounts. Usage-based insurance programs often take mileage into account when calculating premiums.
  • Location and Driving Environment: Urban areas with higher traffic congestion may have increased accident risks, affecting insurance costs. Conversely, rural areas with fewer incidents may result in lower premiums.
  • Credit Score: In many regions, credit scores can influence insurance premiums. A higher credit score may contribute to lower costs, as it is often correlated with responsible financial behavior.
  • Coverage Limits and Deductibles: Higher coverage limits and lower deductibles generally lead to increased premiums. Policyholders can adjust these parameters based on their risk tolerance and budget, influencing overall costs.
  • Insurance History: A history of frequent claims may lead to higher premiums. Maintaining a claims-free record can contribute to more favorable insurance rates.
  • Bundling Policies: Insuring multiple policies (auto, home, etc.) with the same provider often results in discounts. Bundling can be a cost-effective strategy for policyholders.
  • Driving Record: A clean driving record with no accidents or traffic violations is a significant factor in securing lower insurance costs. Violations and accidents may lead to premium increases.
  • Deductible Choices: Opting for a higher deductible can lower monthly premiums. However, policyholders should carefully assess their financial capacity to cover the deductible in case of a claim.

As the insurance industry embraces technology, usage-based programs like Nationwide SmartRide face stiff competition from major players such as Progressive, State Farm, Allstate, and GEICO. Each competitor brings unique features, making it crucial for consumers to compare options thoroughly.

When considering enrolling in a usage-based insurance program, it’s essential to weigh potential discounts against privacy concerns and monitoring convenience. By doing so, individuals can make informed decisions tailored to their preferences and driving habits.

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Nationwide Discounts Available

We can’t give you specific car insurance quotes with Nationwide SmartRide or average Nationwide SmartRide car insurance rates because these are based on your unique driving habits.

However, you’ll get an initial 10 percent discount as soon as you’ve enrolled in the program and downloaded the SmartRide app. The app will track your driving for the program’s duration (usually four to six months) and calculate your discount based on the results.

You can earn up to an additional 40 percent off your car insurance rates, depending on how safely you drive. Your earned discount will be applied to your monthly rates at your next policy renewal.

What if you have a connected car? A connected car is one that already tracks your driving habits. If your vehicle does this and you elected to share the data, you may already be qualified for a Nationwide SmartRide car insurance discount without even downloading the app. Speak with your insurance agent to find out more.

With up to 40 percent in discounts, this seems like an easy decision, right? One major concern drivers should consider when deciding whether or not to enroll in SmartRide (or other, similar, programs): privacy.

As we’ve already noted, apps like SmartRide track a variety of personal driving data. This can be an issue for some people, and according to theInsurance Information Institute, it has been enough of a concern that some states are now requiring insurance companies to be very clear about how data is tracked, stored, and used.

A Comprehensive Guide to Nationwide SmartRide’s Claim Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Nationwide SmartRide offers a convenient and user-friendly claims process for policyholders. Whether you’re tech-savvy or prefer traditional methods, Nationwide has you covered. You can file a claim online through their website, over the phone by speaking directly with a claims representative, or even through their mobile app.

This flexibility ensures that you can choose the method that suits you best, making the claims process hassle-free.

Average Claim Processing Time

One of the key factors in evaluating an insurance program is the speed at which claims are processed. Nationwide SmartRide strives to provide efficient claim processing. While specific processing times can vary depending on the complexity of the claim, Nationwide is committed to handling claims promptly to minimize disruptions in your life after an accident or incident.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a crucial role in assessing the quality of an insurance program. Nationwide SmartRide has garnered positive feedback from policyholders regarding claim resolutions and payouts. Their commitment to customer satisfaction reflects in their dedication to resolving claims fairly and efficiently.

Policyholders have expressed satisfaction with the smooth claims process and timely payouts, which contributes to the overall appeal of Nationwide SmartRide.

Exploring Digital Advancements in Nationwide SmartRide

Mobile App Features and Functionality

Nationwide SmartRide offers a feature-rich mobile app that enhances your driving experience. Through the app, you can monitor your driving habits in real-time, access your SmartRide data, and track your potential discount progress.

Additionally, Nationwide has partnered with Amazon Alexa, allowing you to receive up-to-date information on your SmartRide data through voice commands, making it even more convenient to stay informed about your driving behavior and potential savings.

Online Account Management Capabilities

Managing your Nationwide SmartRide account is a breeze with their robust online account management capabilities. You can log in to your account through the website or mobile app to view your driving data, track your discounts, and update your personal information.

This digital convenience puts you in control of your SmartRide experience, making it easy to monitor your progress and make adjustments as needed.

Digital Tools and Resources

Nationwide SmartRide provides policyholders with a range of digital tools and resources to help them become safer and more informed drivers. These resources include educational materials, driving tips, and personalized feedback based on your driving habits.

By leveraging these digital tools, you can improve your driving skills and maximize your potential for discounts, all while enhancing your overall safety on the road.

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How Nationwide Ranks Among Providers

In the ever-evolving landscape of car insurance, companies are constantly innovating to attract and retain customers. One such innovation is Nationwide SmartRide, a usage-based insurance program that promises personalized discounts of up to 40% based on individual driving habits.

While this program comes with its advantages and features, it’s essential to explore the competitive landscape and see how it stacks up against other players in the insurance industry.

  • Progressive Snapshot: Progressive Snapshot is a usage-based insurance program that tracks driving habits to offer potential discounts. It competes with Nationwide SmartRide in the telematics-driven insurance space.
  • State Farm Drive Safe and Save: State Farm’s Drive Safe and Save is another telematics program that assesses driving behavior to provide personalized discounts on auto insurance.
  • Allstate Drivewise: Allstate Drivewise is a usage-based insurance program that evaluates driving habits and offers discounts, similar to Nationwide SmartRide.
  • Geico DriveEasy: Geico DriveEasy is a telematics program designed to reward safe driving habits with potential discounts.

As the insurance industry continues to embrace technology, usage-based programs like Nationwide SmartRide face stiff competition from other major players such as Progressive, State Farm, Allstate, and Geico. Each of these competitors brings its unique features and selling points to the table, making it crucial for consumers to compare options thoroughly.

When considering enrolling in a usage-based insurance program, it’s essential to weigh the potential discounts against privacy concerns and the convenience of the monitoring process. By doing so, individuals can make informed decisions tailored to their preferences and driving habits.

Frequently Asked Questions

What is Nationwide SmartRide?

Nationwide SmartRide is a usage-based insurance program offered by Nationwide Insurance. It uses a telematics device installed in your car to track your driving habits and rewards safe driving with potential discounts on your auto insurance premiums.

How does Nationwide SmartRide work?

Nationwide SmartRide uses a telematics device that plugs into your car’s OBD-II port to collect data about your driving habits, such as speed, acceleration, braking, and the time of day you drive. This data is used to calculate your SmartRide discount, which can be up to 40% off your auto insurance premium.

What are the pros of Nationwide SmartRide?

The pros of Nationwide SmartRide include potential savings on your auto insurance premium, feedback on your driving habits, and the ability to improve your driving skills and become a safer driver.

What are the cons of Nationwide SmartRide?

The cons of Nationwide SmartRide include the potential for increased premiums if you don’t drive safely, concerns about privacy and data security, and the inconvenience of having to install and maintain the telematics device.

Are there any alternatives to Nationwide SmartRide?

Yes, there are several alternatives to Nationwide SmartRide, including Progressive Snapshot, State Farm Drive Safe and Save, and Allstate Drivewise. These programs work in a similar way to SmartRide, using telematics devices to track driving habits and offer potential discounts on auto insurance premiums.

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Laura Berry

Former Licensed Insurance Producer

Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

Former Licensed Insurance Producer

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

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

Reviews
for Nationwide

4.02 (3,019 reviews)
1
December 7, 2021

brycelefevre

Long phone wait times

Had to call in a few times now for the same auto claim. The first time was nearly 1.5 hours before anyone picked up. Today I have been waiting over 2 hours for an answer and still nothing. Nationwide should learn to take care of their customers and answer the phones so they can provide the service they are being paid to provide!
5
January 16, 2021

Wareagle256205

Is Nationwide REALLY on your side?

Happy with Nationwide so far. Premiums are not too shabby. The agent and customer service has been more than helpful. This is good after having horrible experience with another provider.
5
January 16, 2021

Danielle202

Best Insurance Company

its best insurance company for me. i like this company. this companies policy suit every person. so anyone like it.
5
January 5, 2021

Purple1992_

Great service and worth the money

I enjoyed their service and think that they really do put their customer first by accommodating them as much possible
4
December 24, 2020

Lawanda

Delighted to have auto insurance and roadside assistance.

It was wintertime and I wasn't thinking clearly. I started my car to let it warm up and locked my keys inside. I had to go to a neighbor's house and call for a lock out. I had to wait at my neighbors until they came, but had to keep an eye on my car at the same time. I was so happy to have insurance to cover this experience. It could have been a lot worse. They were there within 30 minutes or so.
5
December 22, 2020

Anna5N

Nationwide is the best

They have fantastic rates and good quality coverage for the price. The staff are very knowledgeable and always help me with my auto insurance needs.
5
December 15, 2020

Jencorbin

Nationwide really is on your side

I have had nationwide auto insurance since I started driving. I watched nationwide cover my parent's auto and homeowners needs. Nationwide has helped me through a decent amount of claims. I have the perfect coverage for my auto needs at competitive prices. Nationwide representatives are helpful and truly have your best interests at heart. I'm able to bundle my auto insurance with my renter's insurance to get more of a discoun...
I have had nationwide auto insurance since I started driving. I watched nationwide cover my parent's auto and homeowners needs. Nationwide has helped me through a decent amount of claims. I have the perfect coverage for my auto needs at competitive prices. Nationwide representatives are helpful and truly have your best interests at heart. I'm able to bundle my auto insurance with my renter's insurance to get more of a discount. I have no plan switching insurance providers anytime soon because I am so satisfied.
4
November 26, 2020

Adelbert

In Nationwide I Trust

My experience with nationwide is really fascinating. They vaule their customers very much. They care about their customers. Their service is up to the mark. I am really happy to be with them.
2
October 21, 2020

RD2371

Misleading adice

I was quoted 1 price but every time interest rate went up so did my payment and I got to where I come afford payment
5
October 21, 2020

JealousGull

Staying with another 10+ years

I’ve had Nationwide for years because of their loyalty to their customers. My agent goes above and beyond while making sure to help anyway possible should the need arise. I’ve had to have my vehicle towed quite a few times and always dread trying to find a towing company due to a past experience of a towing company trying to be sent from an entirely different city over a hour away, I immediately called my agent who straightened everything out...
I’ve had Nationwide for years because of their loyalty to their customers. My agent goes above and beyond while making sure to help anyway possible should the need arise. I’ve had to have my vehicle towed quite a few times and always dread trying to find a towing company due to a past experience of a towing company trying to be sent from an entirely different city over a hour away, I immediately called my agent who straightened everything out and had a tow truck on the way arriving in 15 minutes. I also like my yearly calendar!
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