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Nationwide SmartRide®

Nationwide SmartRide®

by Nationwide Mutual Insurance

2.3K ratings
185 reviews
💰 Finance
🗺️ Navigation
Free

Details

Released
June 4, 2020
Updated
December 22, 2025

Features

Developer

Nationwide Mutual Insurance
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❓5 answered
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About

This app provides Nationwide customers enrolled in the SmartRide Mobile Program with personalized feedback on their driving habits to encourage safer decisions. It tracks driving trends, phone interactions while driving, and estimates potential discounts based on safe driving behavior.

✓Personalized driving feedback
✓View driving trends
✓Track phone distractions
✓View trips on a map
✓Estimate discount
✓View final discount
Show original description

What users say about Nationwide SmartRide®

Reviews of Nationwide SmartRide® are mostly positive: the Navigation app is rated 4.7/5 from 2.3K App Store ratings. What users like most: easy to use, helpful real-time updates. Top complaints: inaccurate data collection, doesn't always recognize passenger vs. driver. Summarized from real user reviews.

Positive things

  • 👍Easy to use
  • 🚀Helpful real-time updates
  • 💰Provides discounts for safe driving
  • 🔍Informative driving data and feedback
  • 🧠Encourages safer driving habits

Negative things

  • 🐛Inaccurate data collection
  • 🤔Doesn't always recognize passenger vs. driver
  • 🤷‍♀️Overly sensitive hard braking detection
  • 📱Registers phone usage even when not driving
  • 🔋Drains phone battery
See all reviews

What's New in Nationwide SmartRide®

4.3.1

December 22, 2025

Bug fixes and enhancements.

User reviews

Most RecentHighest RatedLowest Rated

Smart Ride

So far I haven’t noticed any issues. I hope it will reduce Insurance Premiums
GGarrywarner

Excellent

The app performs as advertised … not sure there’s anything else to say about it.

Thank you!
D1David PB 10515

Fair

The app works well and is fair. Lots of info and maps are researchable. Other similar apps are way too sensitive. This one captures true driving experiences.
LLeeC68

Cannot Activate

No matter what mobile number I enter, it says the number doesn’t match their records and I cannot activate the App.
Vvt1983.123

My Travel Partner

It makes me always be aware that everything you do in a car when you are driving affects your performance!
MMarlucille
See 180 more reviews

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User experience

🐞

Reported Bugs

3 issues

Login issues

Bug

Inconsistent trip recording

Bug

Inaccurate idle time tracking

Bug
✨

Requested Features

5 requests

Allow manual trip editing

Feature

Distinguish between driver and passenger phone usage

Feature

Provide more detailed driving data and analytics

Feature

Add option to temporarily pause tracking

Feature

Improve compatibility with in-car infotainment systems

Feature

FAQ

What does the Nationwide SmartRide app do?

The Nationwide SmartRide app provides Nationwide customers enrolled in the SmartRide Mobile Program with personalized feedback on their driving habits. It helps users make safer driving decisions by analyzing driving trends and offering insights to improve their performance on the road.

How does the app help me save money?

The app helps you potentially save money by offering a discount on your Nationwide insurance policy. The safer you drive, and the more you engage with the program, the higher the discount you could receive. You can view your estimated and final discounts within the app.

Does the app track my phone usage while driving?

Yes, the SmartRide Mobile App tracks how often you interact with your phone while your vehicle is in motion. While phone distractions do not directly affect your discount, the app provides data to help you become more aware and reduce distracted driving for your safety.

What features are available in the app?

Key features include viewing your driving trends and receiving personalized feedback, seeing your trips on a map, reviewing your phone distraction summary with interactive map details, and tracking your estimated and final discount throughout the program.

Is the Nationwide SmartRide app available everywhere?

The SmartRide Mobile Program, and therefore the app, is available in all states except Alaska, California, Hawaii, Louisiana, New York, and Puerto Rico. You must be a Nationwide customer and enrolled in the program to use the app.