Travelers IntelliDrive App Review (2024)

Travelers IntelliDrive is a type of usage-based insurance that tracks your driving habits, potentially earning you a discount on auto insurance for good driving behavior. The application is a usage-based tracker that calculates a number of factors to make sure that Travelers’ customers are helping to prevent claims.

The IntelliDrive system will monitor habits like speed, braking, hand-held phone usage, time of day, and acceleration to make sure you are a safe driver. If you are, you can achieve a discount of up to 30%.

Travelers will even give you a 10% discount just for signing up. After you enroll, all you need to do to track your driving is download the app and have your phone on with location services and wi-fi enabled.

How Travelers IntelliDrive Works

The Travelers IntelliDrive system is a safe driver discount for Travelers customers. Travelers auto insurance is a large insurance company available in all states (read more: Travelers Auto Insurance Review). The IntelliDrive system is one of their more recent innovations in keeping drivers safe and offering competitive 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 does the IntelliDrive mobile app track?

The application will track your speed, braking habits, hand-held phone usage, time of day, and acceleration for 90 days. This is unlike many other programs offered by insurance companies that are in perpetuity.

Once the 90 days are up, the IntelliDrive system stops tracking your habits, and the good driver auto insurance discount is automatically renewed every year. This makes it a good option if you do not like the idea of being continually monitored.

The telemetrics tracked by Travelers IntelliDrive includes the following:

• Speed: If you are someone who tends to speed frequently, this is not the discount for you. If you have a habit of staying within the speed limit and not passing, you may want to consider IntelliDrive.
• Acceleration: Much like speed, if you tend to have a lead foot when the light turns green, you may want to stay away from this usage-based discount. But you can lower your rates if you can accelerate in a controlled manner with traffic.
• Hard braking: Continuous hard braking is a sign of someone who tends to be distracted or drive in an unsafe manner. If you find yourself frequently having to slam on the brakes, you will likely not get a discount with IntelliDrive.
• Night driving: Night-time driving is more dangerous. Although often unavoidable, those that do it frequently may want to reconsider installing IntelliDrive as they will likely not get the discount.

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 cannot have their phone usage tracked. In all other states, this is tracked, but usage that is not hand-held, such as streaming music, does not 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.

Combine this with other discounts, and you could save hundreds of dollars a year (read more about types of discounts: Auto Insurance Discounts). By combining multiple discounts with IntelliDrive, 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 do not participate at all:

• Maryland
• Montana
• Virginia
• District of Columbia

Read more on state-by-state auto insurance: Auto Insurance Rates by State.

Further, if you have multiple people on your insurance policy, the discount will only be fully realized if all insured individuals enroll. If only some do, the discount percentage will decrease.

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 insurance and telematic systems, Travelers actually raises auto insurance rates if you do not follow their driving standards.

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.

If you have a family with young drivers, IntelliDrive will let you track their driving habits and let them know that you are keeping an eye on how they operate their vehicles. This can be great for new drivers who still need to learn good habits.

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

Summing Up Travelers IntelliDrive

Travelers IntelliDrive is a system that tracks your habits and will give safe driver rewards for good driving behaviors with up to a 30% discount in most states. The application 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, use our comparison tool below to find affordable auto insurers in your area.