Give low-mileage customers a way to save with the SmartMiles pay-per-mile program.
Woman in the driver's seat of a vehicle

How SmartMiles® works

Customers get traditional Nationwide® auto coverage but with a flexible monthly premium that’s based on mileage. The premium consists of 2 parts: a base premium that stays the same every month and a variable premium that changes every month based on mileage.
33% The average savings compared with a traditional Nationwide auto policy.1
 

SmartMiles candidates include:

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Frequent public transportation riders

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Remote workers

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Those who live close to work

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Those with an extra car they rarely drive

Features to share with customers

With the road trip exception, only the first 250 miles count on a single day.

The safe driving behavior discount allows customers to save up to 10% for safe driving after the first renewal.

Participating in SmartMiles

Plug-in device

We'll send customers a device that plugs into their vehicle.

Device activation guide

Connected car

Customers can use an eligible connected car.

Connected car activation guide
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What customers get with SmartMiles

  • Convenient data collection: Driving data is collected with a small device or connected car
  • Online access: Customers can see their driving information and monthly payment through an online portal and monthly email updates

Plus, we allow both of our telematics programs (SmartRide® and SmartMiles®) to be written on the same policy, which can help your low-mileage drivers save even more.

SmartMiles resources

Provide support for policies enrolled in SmartMiles.

Review the key differences between our telematics programs.

Connect customers to details about SmartMiles.

Access prewritten posts (search “SmartMiles” to locate these materials).

[1] Based on national data from March 2023 through April 2024 (excluding CA). Includes average SmartMiles Safe Driving Behavior Discount of 8% (applied after completing an insurance term with SmartMiles). Savings are compared to a Nationwide policy not enrolled in a usage-based insurance program for similar risks.

SmartMiles is not available in the following states: AK, HI, LA, NC, NY and OK.

Products are underwritten by Nationwide Mutual Insurance Company and affiliated companies, Columbus, Ohio. Subject to underwriting guidelines, review and approval. Details and availability vary by state, policy original effective date and other factors. The SmartMiles variable premium is based upon the Cost Per Mile established for the coverages in force and the number of days and miles driven when the coverage is in force. The SmartMiles Driving Behavior Discount could be zero, and it does not apply to all coverage elements; actual savings will vary by state, coverage selections, rating factors and policy changes. The Driving Behavior Discount applies at the next policy renewal and remains in effect while the vehicle is enrolled in SmartMiles. Estimated premiums are subject to change based upon final rated mileage during the mileage period and policy changes. The Safe Driving Behavior Discount is not available in California.