Travelers IntelliDrive App Review (2023)

Travelers IntelliDrive is a type of usage-based auto insurance that tracks your driving habits, potentially earning you a discount on auto insurance for good driving behavior. The IntelliDrive mobile app monitors speed, hard braking, acceleration, phone usage, and time of day. If you’re a safe driver, you can get a discount of up to 30% with Travelers auto insurance.

Travelers will even give you a 10% discount just for signing up. After you enroll, all you need to do is download the IntelliDrive app and keep your Wi-Fi and location services enabled.

Keep reading our Travelers IntelliDrive review to learn more about what qualifies as high speed with Travelers IntelliDrive and see what happens after the initial 90 days. Once you’ve decided whether IntelliDrive is right for you, enter your ZIP code above to compare quotes from the top companies in your area today.

How Travelers IntelliDrive Works

IntelliDrive is a safe driver discount for Travelers auto insurance policyholders, 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 auto insurance discounts.

In order to use IntelliDrive, you must be a Travelers customer and enroll in the IntelliDrive program by downloading the application, keeping it on, and having location services and Wi-Fi enabled. Once you complete those steps, the application tracks your driving habits for 90 days.

What the IntelliDrive Mobile App Tracks

IntelliDrive tracks high speed, time of day, braking habits, hand-held phone usage, and accelerate 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.

Once the 90 days are up, 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 will harm your score. People who speed frequently should avoid this program. However, you might benefit from the IntelliDrive discount if you stay within the speed limit.
• 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.

Travelers will also track if you use your phone or hand-held device while driving. However, this is limited to certain states.

For example, Idaho, Maryland, and New Jersey customers can’t have their 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.

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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
• District of Columbia

Read More on State-by-State Auto Insurance: 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.

Additionally, Travelers tracks some items that other companies generally don’t, such as hand-held device usage and time of day. So if you work nights or early mornings, the IntelliDrive system is a bad option 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.

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— 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.

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