D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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 appeared on legaladvice.com, themanifest.com, and vice.com.

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Apr 14, 2021

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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 such as your age and credit history.

Unlike other companies, however, Travelers will increase your 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 has 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 be 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 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.

Safe driving not only saves lives but also saves you money. Even teens can use Intellidrive, and parents can see their reports. No matter what car 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, so your phone 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).

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

Before you decide to go IntelliDrive, be sure to read all of 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.