Travelers IntelliDrive Review 2025 (See Real Customer Feedback Here)

Travelers IntelliDrive, a usage-based auto insurance program, tracks driving habits and rewards policyholders with discounts for good driving.

The IntelliDrive mobile app monitors speed, hard braking, acceleration, phone usage, and time of day. You can get a 30% discount with Travelers if you’re a safe driver.

Learn More: Travelers Auto Insurance Review

Travelers also offers a 10% discount just for signing up. After enrolling, download the Travelers IntelliDrive app and keep your Wi-Fi and location services enabled.

Read our Travelers IntelliDrive review to learn what qualifies as high speed with Travelers IntelliDrive and what happens after the initial 90 days. Then, enter your ZIP code above to compare quotes from the top companies in your area.

How Travelers IntelliDrive Works

IntelliDrive is an auto insurance discount that helps lower Travelers policyholders’ rates, and you can find Travelers coverage in all states. The IntelliDrive system is one of their more recent innovations in keeping drivers safe and offering competitive rates.

So, you might be wondering how much you’d pay for your car insurance with the IntelliDrive discount. Find your state below to see how much you could pay for coverage after Travelers’ UBI discount:

Auto Insurance Monthly Rates With Travelers IntelliDrive Discount by State

It’s also important to compare usage-based insurance programs against other competitors to see if another offers a better deal. Check out the table below to compare the savings amount with Travelers IntelliDrive vs. other top-rated providers:

Top Usage-Based Auto Insurance (UBI) Programs

As you can see, Travelers IntelliDrive can save participants up to 30% if they drive safely. In addition, other top providers, such as Nationwide and Allstate, offer savings of 40%. Find the right provider for you by reading our guide titled, “Allstate vs. Travelers Auto Insurance.”

Once you enroll, the application tracks your driving habits for 90 days. Travelers’ usage-based program is unlike other programs, such as State Farm Drive Safe and Save, where your driving habits get tracked continually (Learn More: State Farm Drive Safe & Save Review).

What the IntelliDrive Mobile App Tracks

IntelliDrive tracks high speed, time of day, braking habits, hand-held phone usage, and accelerate for 90 days. Once the 90 days end, the IntelliDrive system stops tracking your habits, and the good driver auto insurance discount automatically renews annually.

The telemetrics tracked by Travelers IntelliDrive includes the following:

• Speed: High speed with Travelers IntelliDrive harms your score, so frequent speeders should avoid the program. However, safe drivers could benefit from the IntelliDrive discount.
• Acceleration: The Travelers IntelliDrive mobile app also dings you for accelerating quickly. However, you could see cheaper Travelers insurance rates if you accelerate gently.
• Hard Braking: Continuous hard braking is a sign of someone who drives unsafely. If you find yourself frequently slamming on the brakes, you likely won’t get a discount with IntelliDrive.
• Night Driving: Night-time driving is more dangerous. Though often unavoidable, those that do it frequently may want to reconsider installing IntelliDrive.

According to reviews of Travelers IntelliDrive from Reddit users, you’ll get dinged for an IntelliDrive time of day event for late driving betweeen 12 a.m. and 4 a.m., as statistics show driving during these hours is associated with fatigue and impaired driving.

In addition, if you get one acceleration event with IntelliDrive, that Reddit user also explains that it won’t count against you heavily. However, a pattern of hard braking could impact your Travelers IntelliDrive score.

Travelers also tracks your phone or handheld device while driving. However, this is limited to certain states. For example, Idaho, Maryland, and New Jersey drivers can’t have phone usage tracked.

Read More About Coverage in These States:

• Idaho Auto Insurance
• Maryland Auto Insurance
• New Jersey Auto Insurance

In all other states, this is tracked, but usage that is not hand-held, such as streaming music, doesn’t count against you.

How to Earn an Auto Insurance Discount With IntelliDrive

You can get 10% off your auto insurance just for enrolling, but the discounts grow from there. If you continue to drive safely, you can earn up to 30% off your auto insurance rates. By combining multiple discounts with IntelliDrive, such as an anti-theft auto insurance discount, you could save more than 30% on your monthly insurance bill.

The discount available with IntelliDrive changes by state. For example, the maximum discount is capped at 20% in Idaho, Maryland, and New Jersey. The discount caps at 22% in Florida and 40% in Nevada. The following states don’t participate at all:

• Maryland
• Montana
• Virginia
• Washington, D.C.

Read More: Auto Insurance Rates by State

In addition, if you have several people on your insurance policy, you’ll only get the full discount if all insured drivers enroll. If only some do, the discount percentage decreases. Read more about how to get a multi-vehicle auto insurance discount.

What to Know About the Advantages vs. Disadvantages of IntelliDrive

The Travelers IntelliDrive insurance discount has the ability to save you money, but it does come with some negatives. Unlike other usage-based programs, Travelers actually raises auto insurance rates if you don’t drive safe. Understand more in our guide titled, “Factors That Affect Auto Insurance Rates.”

Travelers tracks certain events that other providers don’t, such as hand-held device usage and time of day. So, if you work nights or early mornings, IntelliDrive may not be for you, as you’ll lose out on savings by driving during high-risk hours.

The biggest benefit of the IntelliDrive system is that it offers a massive discount of up to 30% or more in most states, which is far higher than many other companies. The system also must only be installed for 90 days versus having it at all times. This could be attractive to anyone who is a safe driver but not necessarily open to being tracked at all times.

Tired of paying 💵for auto insurance when your car is in the garage and don’t even drive 🚘every day? Usage-based insurance might be right for you. https://t.co/27f1xf1ARb has put together an easy-to-understand guide, and you can check it out here👉: https://t.co/Giu8rLur0c pic.twitter.com/cFXkwvuS32

— AutoInsurance.org (@AutoInsurance) October 10, 2023

If you have auto insurance for teens, IntelliDrive allows you to track their driving habits, which can be great for new drivers who still need to learn good habits. Read more about auto insurance for new drivers.

However, the discount you achieve with IntelliDrive will be applied to a renewal policy, so it’s not instantaneous. So, if you try it for 90 days when you become a Travelers customer, you won’t see a discount until your next renewal cycle.

Summing up the Travelers IntelliDrive Program

Travelers IntelliDrive is a system that tracks your habits and offers savings for good driving behaviors of up to 30% in most states. The IntelliDrive mobile app tracks braking, speed, acceleration, hand-held device usage, and the time of day you operate your vehicle.

Unlike other usage-based systems from insurance companies, IntelliDrive will also raise your rates if you drive poorly. If you want to compare discounts from other companies, insert your ZIP code into our comparison tool below to find affordable auto insurers in your area.

Learn More: How to Lower Your Auto Insurance Rates