Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 19, 2022

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Just the Basics

  • Signing up for Travelers IntelliDrive can save you up to 30 percent
  • Your rates may increase if the data reveals you are a risky driver
  • IntelliDrive needs only an app, so no device is needed for your car

In this Travelers IntelliDrive review, we go over all you need to know to sign up for usage-based car insurance that can save you money by tracking your safe driving habits.

Participating in Travelers’ IntelliDrive program is a great way to offset the cost of your premiums due to other factors that affect the price of your car insurance policy such as your age and credit history.

Unlike other companies, however, Travelers will increase their car insurance rates if your data shows you are a reckless driver.

Consider all possible options if you wish to take advantage of usage-based car insurance programs. Before jumping into our Travelers IntelliDrive review, enter your ZIP code now to compare quotes from car insurance companies in your area.

How does Travelers IntelliDrive work?

Can usage-based car insurance rates really be that significantly lower than normal?

Telematics have been utilized for nearly a decade, and the technology is getting more and more advanced. Travelers IntelliDrive runs on your smartphone for 90 days and then your discount is in effect for the rest of your policy.

All policyholders are eligible to try it out. Use your Travelers insurance login to find out if IntelliDrive is an option in your state.

Travelers IntelliDrive monitors your driving habits that are most important to being safe on the roads.

  • It makes sure you are following the speed limits
  • It takes notes on when you drive, day or night
  • It records your rate of acceleration and braking
  • It observes how often and for how long you use your smartphone

You get a score and a turn-by-turn report for each trip. If you pick up your phone while your vehicle is in motion, your score will decrease.

All of this may sound unfair, but Travelers is doing their part to prevent distracted driving. If you are unhappy with your score and your discount, you can still shop around for affordable usage-based car insurance from other companies.

But, consider the statistics. The Centers for Disease Control and Prevention (CDC) estimates that more than 2,800 individuals were killed in 2018 and almost 400,000 were injured by distracted driving.

Possessing safe driving habits not only saves lives but also saves you money. Even teens can use Intellidrive, and parents can see their reports. No matter what auto insurance company you choose, preventing deaths with usage-based insurance is always a good thing.

Interested in tips for reducing your car insurance premiums with years of safe driving? Good student discounts are a good place to start.

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Is Travelers IntelliDrive worth it?

Usage-based car insurance is just one way to reduce the cost of car insurance, but it may not be for everyone. There are pros and cons when it comes to a program like IntelliDrive.

The app is continuously running in the background on your cellular device, so your phone‘s battery will drain quickly, or your data usage will increase.

But if you get an unlimited data plan and keep a charger in your car, you could save money on your car insurance rates and become even more aware of how safe of a driver you really are (or are not).

All Android phones are supported, but they must contain cellular, Wi-Fi and GPS chips.

Who should use Travelers IntelliDrive?

Even if usage-based car insurance quotes can be cheaper, usage-based car insurance isn’t right for everyone.

It’s the perfect program for those who work from home, have a very short commute to work, and do most of their driving during the day.

However, if you work the second or third shift, have a long drive to work and back home, or live in a busy city with traffic problems, IntelliDrive may not be the best for you.

Travelers IntelliDrive can decrease (or increase) your car insurance rates, so find the most affordable car insurance company. Buy car insurance from a company that best suits your needs.

The Bottom Line

Once you have completed 45 days, your IntelliDrive score may affect your premium at your next renewal if you have driven at least 500 miles.If you are not satisfied with the IntelliDrive program for any reason, you can opt out of the program within 90 days of enrollment with no penalty other than a loss or adjustment to your Enrollment Discount.

Before you decide to go IntelliDrive, be sure to read all the details at travelers.com.

If, after finishing this Travelers IntelliDrive review, you’re not sure if usage-based car insurance is right for you, you can still save by entering your ZIP code now to compare car insurance quotes from multiple companies.