Nationwide SmartRide Review: Pros, Cons, & Alternatives

This Nationwide SmartRide review will cover Nationwide SmartRide ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Nationwide SmartRide A.M. Best rating is A+. The app can save you 10 percent for signing up and up to an additional 40 percent based on your driving habits.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Mar 8, 2021

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Company Details
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+
Company Rating 0 (0 reviews)

Are you insured by Nationwide? If so, you may be wondering about Nationwide SmartRide. What is it? Can it help you save on your car insurance rates? What are car insurance rates with Nationwide SmartRide? Read this review to find out.

Before you read through this SmartRide from Nationwide review, take a minute to use your ZIP code in our free tool to start comparing quotes from insurance companies in your area today.

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.

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.

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

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 SmartRide 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 the Insurance 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.

Nationwide SmartRide: The Bottom Line

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.

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