Nationwide SmartMiles Review (2024)
Our expert Nationwide SmartMiles review explains how drivers save 18% with pay-per-mile insurance. Nationwide SmartMiles tracks your monthly mileage to determine rates and costs $60/mo plus $.07 per mile. Compare rates here to get the best low-mileage auto insurance based on how often you drive.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Mar 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Nationwide SmartMiles is affordable pay-by-mile car insurance
- SmartMiles customers pay a base fee and then a per-mile fee
- Nationwide SmartMiles is best for low-mileage drivers
Our Nationwide SmartMiles review covers everything you need to know about this pay-per-mile auto insurance coverage, from pros and cons to coverage options. We also recommend reading our Nationwide auto insurance review for more information about the company as a whole.
Read on to learn more about Nationwide SmartMiles coverage. You can also enter your ZIP code into our free quote comparison tool to get started on finding the cheapest pay-per-mile car insurance.
Pros and Cons of Nationwide SmartMiles
Nationwide SmartMiles has numerous positive points, such as:
- Availability: SmartMiles is available in most states.
- Potentially high savings: Not only does SmartMilse help low-mileage drivers save with lower premium costs, but it also offers discounts to good drivers.
- Ease-of-use: SmartMiles tracks the miles you drive for you, so you don’t have to keep track and enter your mileage every month.
The main cons of Nationwide SmartMiles, however, are the following:
- Privacy concerns: Because SmartMiles is a telematics program, it will track and store your data.
- Minimum savings for frequent drivers: SmartMilese won’t be an economical choice for drivers with higher mileage.
Continue reading to learn more about how SmartMiles works and if it’s right for you.
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Nationwide SmartMiles Explained
Nationwide SmartMiles charges drivers a base rate for coverage and then a per-mile rate for each mile driven, making it great auto insurance for telecommuters.
You will always pay your base rate, but because you pay for car insurance by the mile, your final bill will fluctuate monthly depending on your total mileage.
How to Activate Nationwide SmartMiles
To activate Nationwide SmartMiles, you will first need to start by getting a Nationwide SmartMiles quote and signing up for coverage. Then, Nationwide will send you a small plug-in device to track your mileage.
Once the device is installed, Nationwide will track your mileage and base your rates accordingly. While there is no Nationwide SmartMiles app, you can check your rates online at any time or contact Nationwide SmartMiles customer service.
What Nationwide SmartMiles Tracks
The Nationwide SmartMiles device tracks mileage every time you drive. During the first policy period, Nationwide SmartMiles will also track driving behavior data, such as speeding and time of day. It will then use this driving data to calculate a safe driving discount of up to 10% for your next renewal.
Programs like SmartMiles are the best car insurance for low-mileage drivers who rarely drive or the best auto insurance for limited-use vehicles.
Nationwide SmartMiles vs. SmartRide
Nationwide SmartMiles is pay-per-mile auto insurance coverage, whereas SmartRide is a telematics program that tracks driving data for a safe driver discount. Take a look at the main differences between the two below.
Features | SmartMiles | SmartRide |
---|---|---|
Policy Add-On | No | Yes |
Tracking | Mileage | Driving Behavior |
Availability | 40 States | All States |
Discount | Up to 18% | 30% |
Monthly Rates | $110 | $75 |
You can read more about SmartRide in our Nationwide SmartRide app review.
Nationwide SmartMiles Coverage And Rates
Nationwide SmartMiles offers all the same coverages as traditional Nationwide auto insurance policies, so drivers can choose between liability-only and full coverage policies, as well as numerous add-ons. However, rates will be different than Nationwide traditional policies.
Full coverage provides the best coverage for drivers, and programs like Nationwide SmartMiles can make full coverage more affordable for low-mileage drivers.Dani Best Licensed Insurance Producer
While you will need to get a Nationwide SmartMiles quote to determine exactly what you will pay, you can expect to pay a base rate of under $100 per month for coverage and then a per-mile fee of under $0.10.
Nationwide SmartMiles Auto Insurance Discounts
Because Nationwide SmartMiles is already heavily discounted auto insurance for low-mileage drivers, it doesn’t offer as many discounts. The main discount Nationwide SmartMiles offers is a safe driver discount of up to 10% for good drivers.
How Nationwide SmartMiles Stacks Up
Curious how Nationwide SmartMiles stacks up against other providers of cheap usage-based auto insurance? Take a look below to see how SmartMiles compares to mileage and driving behavior programs from other top auto insurance companies.
Company | Program | Tracking Method | Monitoring | Availability | Potential Savings | Monthly Rate |
---|---|---|---|---|---|---|
Allstate | Milewise | Plug-in device | Mileage | 21 states | 15% | $124 |
American Family | DriveMyWay | Mobile app | Driving behavior | Utah only | 20% | $100 |
Geico | DriveEasy | Mobile app | Driving behavior | 33 states | 25% | $110 |
Liberty Mutual | RightTrack | Plug-in device | Driving behavior | 41 states | 30% | $120 |
Nationwide | SmartMiles | Plug-in device | Mileage | 45 states | 20% | $110 |
Noblr | Noblr | Mobile app | Driving behavior | 10 states | 15% | $120 |
Progressive | Snapshot | Mobile app | Driving behavior | 12 states | 30% | $135 |
Root | Root | Mobile app | Driving behavior | 34 states | 25% | $130 |
State Farm | Drive Safe & Save | Plug-in & mobile | Mileage & driving | 49 states | 30% | $130 |
Travelers | Intellidrive | Plug-in device | Driving behavior | 38 states | 20% | $120 |
Nationwide is one of the more widely established mileage-based auto insurance, as it is offered in most states.
Learn more:
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Nationwide SmartMiles Review: Bottom Line
Nationwide SmartMiles is one of the better providers of auto insurance for infrequent drivers, as it is widely available and offers an additional discount for safe driving.
While some drivers may have privacy concerns due to their data being tracked, SmartMiles has some of the best car insurance for low-mileage drivers looking to save, as it offers all the coverages of a normal policy.
Want to find low-mileage savings today? Enter your ZIP into our free tool for quote comparisons.
Frequently Asked Questions
Does Nationwide offer pay-per-mile insurance?
Yes, Nationwide offers pay-per-mile auto insurance with Nationwide SmartMiles.
Where is Nationwide SmartMiles available?
Nationwide SmartMiles is available in all states except for the following: AK, HI, LA, NC, NY, and OK.
Does Nationwide use telematics?
Yes, Nationwide uses Telematics with its SmartMiles program. It will track your mileage with a plug-in device, and you can view your mileage and rates at any time on the Nationwide SmartMiles app.
Does Nationwide SmartMiles track your location?
Nationwide SmartMiles tracks mileage to see how many miles are driven. It will also track speed, time of day driven, and more during your first policy period to issue a safe driving discount.
Does Nationwide SmartMiles track your speed?
Yes, Nationwide SmartMiles tracks driving behavior during the first policy period to calculate a safe driving discount of up to 10%.
What does Nationwide SmartMiles track?
Nationwide SmartMiles tracks mileage, but during the first policy period, it will also collect driving behavior data to issue a safe driving discount at your next renewal.
What mileage is cheapest for Nationwide SmartMiles insurance?
Generally, the best annual mileage for cheap insurance is under 8,000 miles per year. The less you drive, the cheaper your Nationwide SmartMiles quote will be (read more: Does annual mileage affect auto insurance rates?).
How do I prove my annual mileage to Nationwide?
With Nationwide SmartMiles, a device or connected car will automatically track your mileage. Learn more in our guide on how to get a low mileage auto insurance discount.
What is the difference between Nationwide SmartMiles and Allstate Milewise?
Both are pay-per-mile insurance programs offered by different companies. While both work similarly, the main difference between the two is that Nationwide SmartMiles is offered in more states than Allstate Milewise, making SmartMiles more accessible.
What insurance is better than Nationwide SmartMiles?
Nationwide SmartMiles is one of the best pay-per-mile car insurance providers, as few companies offer low-mileage auto insurance, but take a look at our list of the best pay-as-you-go auto insurance companies to see if there is one that better fits your auto insurance needs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.