4.1.1 Safe to install
If you are a Nationwide customer and have enrolled in the SmartRide Mobile Program, you can seamlessly continue your participation by downloading and registering the SmartRide Mobile App. The program is available in all states except AK, CA, HI, LA, NY, and PR.
Driving safely requires dedication and vigilance. At SmartRide, we believe in rewarding responsible drivers who prioritize safety on the road. Our app provides personalized feedback to assist you in making even better driving decisions. The more safely you drive, the higher the potential discount you can earn.
As part of our commitment to combating distracted driving, the SmartRide Mobile App also tracks your phone usage while your vehicle is in motion. Although phone distractions do not impact your discount, having access to this data can enhance your awareness and help you maintain a safe driving environment.
Key Features Include:
- Access to personalized feedback and driving trends
- Ability to view trip details on a map
- Summary of phone distractions and interactive map of trip-related information
- Estimated discount display during participation
- Final discount disclosure at the conclusion of the program
Overview
Nationwide SmartRide® is a Freeware software in the category Education developed by Nationwide Mutual Insurance.
The latest version of Nationwide SmartRide® is 4.1.1, released on 04/06/2025. It was initially added to our database on 10/19/2023.
Nationwide SmartRide® runs on the following operating systems: Android/iOS.
Users of Nationwide SmartRide® gave it a rating of 5 out of 5 stars.
Pros
- Can track driving behavior to potentially earn discounts on car insurance premiums.
- Increases awareness of driving habits and encourages safer driving.
- Provides feedback on driving performance, which can help improve overall driving skills.
- May result in savings on insurance premiums for safe drivers.
- Easy to install and use through a smartphone app.
Cons
- May raise privacy concerns due to constant monitoring of driving behavior.
- Certain driving habits may not accurately reflect a driver's overall ability (e.g., hard braking caused by sudden stops in traffic).
- Prolonged use may lead to a sense of invasion of privacy.
- The system may not be accurate in differentiating between safe and unsafe driving habits.
- May require consistent data connection and battery usage on the smartphone, which could impact device performance.
FAQ
What is Nationwide SmartRide®?
Nationwide SmartRide® is a usage-based insurance program that rewards safe driving behavior with discounts on auto insurance premiums.
How does SmartRide® track my driving habits?
SmartRide® uses a mobile app or a device plugged into your car's diagnostic port to monitor your driving behavior, including speed, braking, and cornering.
What kind of discounts can I earn with SmartRide®?
You can earn up to 40% off your auto insurance premium based on your safe driving score.
Do I have to drive a certain number of miles to participate in SmartRide®?
No, there are no mileage requirements; your driving behavior is what matters for the discounts.
What happens if my driving score is low?
If your driving score is low, you may not qualify for the full discounts; however, participation in SmartRide® itself is still beneficial.
Is there an app to use for SmartRide®?
Yes, you can download the SmartRide® mobile app on your smartphone to track your driving and monitor your scores.
Can I participate in SmartRide® if I have another insurance company?
No, Nationwide SmartRide® is specifically designed for Nationwide policyholders.
How long do I need to participate in SmartRide® to earn discounts?
You need to complete an evaluation period of about 90 days of tracking your driving behaviors.
What data does the program collect about my driving?
SmartRide® collects data such as speed, acceleration, braking patterns, and the time of day you drive.
Is my personal information safe with Nationwide’s SmartRide® program?
Yes, Nationwide takes data privacy seriously and adheres to strict regulations to protect personal information.
Screenshots (Click to view larger)
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