Nationwide
Nationwide Car Insurance Discounts 2026: SmartRide, Bundle
Short answer
Nationwide’s biggest discount is SmartRide: 10% off at enrollment and up to 40% off at renewal based on measured safe driving2. Nationwide also publishes an average bundle savings of $1,032 when combining home and auto1, a Good Student discount for drivers 16-24 with a B average or upper-20% class rank4, and standard multi-car, accident-free, auto-pay, and safety-feature discounts1. Separately, Vanishing Deductible reduces your collision deductible by $100 per violation-free year, up to $5005.
What determines your actual savings
- SmartRide enrollment and measured driving. 10% instant + up to 40% at renewal2.
- Policy mix. Bundle $1,032 average requires a Nationwide home policy1.
- Household drivers. Multi-car and Good Student discounts depend on who’s on the policy4.
- Driving history. Accident-free discount rewards a clean record over multiple years1.
- State. Discount availability and exact percentages vary by state DOI filings.
The full Nationwide discount menu
Nationwide publishes the following discounts on its own pages. Percentages are what Nationwide lists publicly; your quote may differ by state and policy.
| Discount | Max published | What it is |
|---|---|---|
| SmartRide | up to 40% at renewal | Usage-based telematics program. 10% instant enrollment discount; up to 40% at renewal based on measured safe driving. Personalized feedback within the app.2 |
| SmartMiles | low-mileage pricing | Pay-per-mile insurance for low-mileage drivers. Per-mile rate plus a monthly base. No risky-driving surcharge.3 |
| Bundle (home + auto) | avg $1,032 savings | Nationwide publishes an average savings of $1,032 when bundling home and auto policies.1 |
| Multi-car | applies | Insure more than one vehicle on the same Nationwide auto policy.1 |
| Good Student | applies | B average (3.0 GPA minimum) or upper 20% of class. Full-time high school or college students, ages 16-24.4 |
| Accident-free | applies | Maintain an accident-free driving record for a premium discount; separately, 5 years clean record earns up to 10% off.1 |
| Auto-pay | applies | Set up automatic payments for a small premium discount.1 |
| Safety features | applies | Qualifying anti-theft equipment and advanced safety features on the covered vehicle.1 |
| Vanishing Deductible | $100/yr, up to $500 | Reduces your collision deductible by $100 for each year without a violation, up to $500 total. Not a premium discount; a deductible mechanic.5 |
SmartRide: the biggest lever
Nationwide publishes SmartRide as its core telematics discount program. Enrollment is instant (10% off) and the renewal discount is based on measured driving (up to 40%)2. The program delivers personalized feedback through the app. See our Nationwide SmartRide breakdown for the full state-availability rules and the Virginia and Washington caveats where the earned discount can shrink at renewal.
SmartMiles is the pay-per-mile variant for lower-mileage drivers. The premium rises with mileage by design, but SmartMiles does not surcharge for risky driving behavior3. For a shopper who drives few miles, SmartMiles plus the SmartRide safe-driving behavior score can stack.
Bundle: $1,032 average savings
Nationwide publishes an average savings of $1,032 when you bundle home and auto1. The actual amount varies by state and policy, but the published average sets the expectation.
For a shopper, the bundle math is: pull a Nationwide auto quote standalone and with home or renters attached, and compare the delta against a standalone home or renters quote at another carrier. If the total two-carrier bill is lower than the bundled Nationwide bill, bundling isn’t the right lever regardless of the headline savings number.
Good Student discount
Nationwide publishes a Good Student Discount for full-time high school or college students ages 16-24 who maintain a B average (3.0 GPA minimum) or rank in the upper 20% of their class4. This stacks with multi-car and bundle; a household with a teen driver can layer all three.
Vanishing Deductible (separate mechanic)
Vanishing Deductible is not a discount. It’s a feature that reduces your collision deductible by $100 per violation-free year, up to $500 total5. It affects what you pay at claim time, not your premium. For a shopper who files a collision claim once in 5 violation-free years, the $500 reduction is a bigger benefit than most premium discounts worth more than $500 of premium.
How to stack Nationwide discounts
Enroll in SmartRide at quote time
10% off applies instantly; the renewal discount depends on measured driving.
Bundle home or renters at purchase
Average $1,032 savings when bundling home + auto.
Add every eligible driver on the policy
Multi-car applies to multiple vehicles; Good Student applies to qualifying full-time students ages 16-24.
Set up auto-pay and paperless
Small but automatic discounts for electronic policy management.
Add Vanishing Deductible as a separate benefit
Not a premium discount, but reduces the deductible on your collision claim by $100 per violation-free year, up to $500.
Review at each renewal
Discount eligibility can change as your household, vehicles, and driving record change.
Comparing Nationwide against other mainstream carriers? Pull quotes side by side.
Compare car insurance quotesYesWeSure may receive compensation when readers use quote-comparison links. Compensation does not influence the carrier facts on this page or the sources cited above. See our advertiser disclosure and editorial standards.
Common follow-up questions
How much can SmartRide save me on Nationwide car insurance?
Nationwide publishes up to 40% off at renewal based on measured safe driving, plus a 10% instant discount when you enroll. Nationwide won the J.D. Power 2025 UBI segment for a second consecutive year at score 698.
How much does bundling home and auto save with Nationwide?
Nationwide publishes an average savings of $1,032 when you bundle home and auto. The actual amount varies by state and policy.
Does Nationwide offer a good student discount?
Yes. Nationwide publishes a Good Student Discount for full-time high school or college students ages 16-24 who maintain a B average (3.0 GPA minimum) or rank in the upper 20% of their class.
Is Vanishing Deductible a discount?
No. Vanishing Deductible is a feature that reduces your collision deductible by $100 per violation-free year, up to $500 total. It affects what you pay at claim time, not your premium.
How do I stack Nationwide discounts?
Pull a quote at nationwide.com or through an agent, enroll in SmartRide at bind, bundle home or renters, add every eligible household driver, set up auto-pay, and confirm vehicle safety features. Discount availability varies by state DOI filings.
Sources
- Nationwide: Affordable Car Insurance & Discounts (SmartRide up to 40%; 10% enrollment; bundle $1,032 average; Good Student B average 16-24; multi-car; accident-free; auto-pay; safety features) (Nationwide)
- Nationwide: SmartRide (up to 40% at renewal; 10% at enrollment; personalized feedback; usage-based program) (Nationwide)
- Nationwide: Usage-based Car Insurance with SmartRide and SmartMiles (SmartMiles: pay-per-mile; low-mileage; no risky-driving surcharge) (Nationwide)
- Nationwide: Good Student Discount on Car Insurance (B average 3.0 GPA minimum; ages 16-24; full-time high school or college) (Nationwide)
- Nationwide: Vanishing Deductible ($100/yr off collision deductible per violation-free year, up to $500) (Nationwide)
Nationwide discount availability and exact percentages are set by state DOI filings and change at renewal. Confirm current eligibility and pricing with Nationwide at quote time. Last reviewed .