Best Car Insurance Telematics Discounts in 2025

Nationwide SmartRide is one of Nationwide’s two usage-based insurance (UBI) programs — not to be confused with SmartMiles, which is based on the number of miles you drive. SmartRide takes four driving factors into account, one of which is miles driven. The other three are hard braking, fast acceleration, and nighttime driving, which counts as driving between midnight and 5 a.m.

You get up to a 15 percent discount just for signing up for SmartRide, and up to 40 percent off your premium at your next renewal if you drive safely, which is the highest advertised discount from any provider. Another benefit is that Nationwide will never use the data it collects to increase your rate. Nationwide ranked first in J.D. Power’s Auto Insurance Study for UBI, indicating that users are satisfied with its telematics programs.

To enroll, you’ll need to download the SmartRide app, which is separate from the main Nationwide app — it’s one of the few major insurers to still have a separate app for its telematics program.

State Farm’s Steer Clear is one of the only available telematics programs focused specifically on young drivers. It’s available to those under 25 with a valid driver’s license and no moving violations within the last three years.

In addition to tracking driving behavior, Steer Clear also provides training for new drivers. The course training consists of five training modules, which include lessons with videos, driving scenarios, and quizzes. Drivers are required to log five hours of driving practice in at least 10 trips.

Upon completion of the program, drivers will receive a certificate that they can send to an agent for the discount to be applied. State Farm doesn’t advertise the maximum discount for Steer Clear, but its other telematics program, Drive Safe & Save, offers a discount of up to 30 percent, so it’s likely similar.

Drive Safe & Save is available to all drivers and is a runner-up to Nationwide when it comes to the best program. It won’t increase rates, and it’s available in almost every state (excluding California, Massachusetts, and Rhode Island). Drive Safe & Save is now integrated into the main State Farm app, while Steer Clear requires a separate app.

Progressive doesn’t advertise a percentage discount for Snapshot, but it states on its website that users save an average of $169 just for signing up, and those who save money with the program save an average of $322 per year.²

Keep in mind Progressive will potentially increase your rates based on the tracking data it collects, so it’s important to be aware of the risk when signing up. Progressive states that two out of 10 drivers get an increase.

Snapshot monitors:

• Hard braking
• Acceleration
• Late-night weekend driving (12 to 4 a.m.)
• Mileage
• Phone use while driving

The program is integrated into the Progressive mobile app and also includes an option for a plug-in device. However, in some states, the mobile app is only available to new customers when they first purchase a policy — so if you’re already a customer and later decide to sign up for Snapshot, you may have to use the plug-in device.

Liberty Mutual’s telematics program, RightTrack, is unlike most other programs in that it does not continuously track your driving and update your discount, unless you live in certain states. Drivers in eight states can participate in the RightTrack Continuous program, which does work like most other companies’ programs. (These states are Colorado, Delaware, Indiana, Mississippi, New Mexico, Ohio, Oregon, Tennessee, Wisconsin, and West Virginia).

However, the standard RightTrack program only requires tracking your driving for 90 days, after which you receive your discount. While this means that you lose out on the ability to potentially lower your rate even more at a future renewal period, it’s ideal for those who don’t want their insurance company tracking their phone location and other data 24/7.

When you sign up for RightTrack, you are immediately eligible for a discount of up to 15 percent, while the renewal discount following the 90-day tracking period can be up to 30 percent. You will then keep this discount as long as you continue to renew your policy with Liberty Mutual. Keep in mind that RightTrack is another program that can increase your rates for poor driving.

Like Nationwide, USAA also has two usage-based insurance programs, one of which is aimed at low-mileage drivers. Its standard telematics program is called SafePilot, while its low-mileage program is SafePilot Miles. With SafePilot, you get up to a 10 percent discount at signup and a discount of up to 30 percent at renewal.

SafePilot will not increase your rates, so you don’t need to worry about inaccurate tracking. It tracks your driving via the DriveSafe app on both Android and iPhone. The app also includes an accident assistance feature that can detect if there has been a crash, in which case it will check in with you and help you get emergency assistance if needed.

The data tracked by SafePilot includes:

• Your location
• The time of day you drive
• Any phone use while driving
• Harsh braking
• Annualized hours driven.

If you drive less than average, you may benefit from enrolling in SafePilot Miles instead, which offers a discount of up to 20 percent for lower mileage and up to 20 percent at renewal for safe driving. We recently named SafePilot Miles, along with Nationwide SmartMiles, two of the best pay-per-mile programs in the U.S.