Travelers IntelliDrive Program Review in 2026 (Driver Monitoring for Potential Savings)
In this Travelers IntelliDrive program review, we explore how this app tracks your driving habits for 90 days, offering an IntelliDrive discount of up to 30% for safe drivers. But how does IntelliDrive work? The app tracks speed, braking, acceleration, and time of day to assess your driving.
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Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Tonya Sisler
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Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Jeff Root
Updated January 2025
In our Travelers IntelliDrive program review, we delve into how this telematics-based insurance program can transform your auto insurance experience by rewarding safe driving with discounts of up to 30%.
Risky drivers may face higher rates, so compare options to see if Travelers is right for you. Travelers IntelliDrive auto insurance is a usage-based insurance (UBI) program that evaluates your driving habits for 90 days. Safe drivers can receive up to a 30% discount on their policy when it’s up for renewal.
However, riskier drivers could see their auto insurance rates increase. For more information, read our “Cheap Car Insurance Rates“.
Read through our brief guide to learn what Travelers IntelliDrive tracks, how to enroll in the Travelers insurance UBI program, and if it is right for you. Before you decide to buy Travelers IntelliDrive auto insurance, compare reputable providers near you with our free quote tool above.
- Our Travelers IntelliDrive review can help you earn up to 30% off for safe driving
- Tracks habits for 90 days; risky drivers may face higher rates
- Compare to find if Travelers offers the best rates for you
Exploring Travelers IntelliDrive
Travelers Insurance IntelliDrive is a telematics program, or UBI, that uses a mobile app to monitor and reward your driving habits and techniques, including IntelliDrive time of day. According to the Insurance Information Institute (III), nine of the top ten insurance companies now offer a UBI program.
Travelers advertises that safe drivers can receive up to 30% off of their insurance policy at the time of renewal. However, high-risk drivers may see a rate increase.
However, the actual discount amount varies by state. See what we mean in the table below.
Travelers IntelliDrive Savings Amount by State
| Savings Amount | Qualifying States |
|---|---|
| 40% | NV |
| 30% | AZ, CO, CT, IL, IN, KY, MN, MO, NH, OH, OR, PA, TN, TX, VA, WI |
| 20% | AL, AR, DC, GA, IA, ID, KS, MD, ME, MS, MT, NE, NJ, NM, OK, SC, UT, VT, WA |
| 15% | FL |
| 3% | MA |
| Rates cannot increase | DC, MD, MT, VA |
As you can see, affordable Travelers IntelliDrive auto insurance rates exist, just not in every state.
Get free car insurance quotes online and perform a Travelers Insurance review to determine if this provider is a good match for you.
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Understanding How Travelers IntelliDrive Works
You must sign up and make a Travelers insurance login to enroll in the IntelliDrive program. Then, install the IntelliDrive app on your smartphone, but if you encounter issues with the IntelliDrive app not working, the app may not collect data as expected when you’re in a vehicle.
The program lasts for 90 days. You’ll receive your score in the app, as well as driving advice and techniques.
All drivers on your insurance policy must use the app, or you risk losing your discount. Travelers encourage teens to use the application to learn better driving techniques.
Enrolled users can visit MyTravelers.com for more information about the application and program or call (888) 303-1217.
Travelers IntelliDrive tracks five distinct driving behaviors.
- Time of Day: avoid driving at night to improve your score.
- Speed: High speeds mean higher-risk driving.
- Acceleration: Smoother accelerations are better for your score and car.
- Braking: Hard braking often leads to lower scores.
- Distractions: Physically interacting with your phone in any way while in the car lowers your score.
After each trip, you can review and verify your route and performance in the app. If you’re a passenger in a vehicle, but the app records you as the driver, you have ten days to correct the trip information.
You have 45 days to opt-out of the program if you choose. Discounts or rate increases go on your policy at the time of its renewal. Read on our “Car insurance discounts” to learn more.
Understanding IntelliDrive and Its Impact on Drivers
IntelliDrive by Travelers offers a unique way to monitor driving habits and potentially save on insurance premiums, but users often seek IntelliDrive hacks to maximize benefits. However, it’s crucial to follow the program’s guidelines, as manipulating the system could lead to IntelliDrive reviews and complaints and potential disqualification.
Common issues, such as IntelliDrive not recording drives or concerns about IntelliDrive time of day events, can frustrate users, but understanding how the system works can mitigate these problems. The program’s design even considers the impact of passengers, ensuring that IntelliDrive passenger activities don’t negatively affect your score.
For those managing their IntelliDrive accounts, the Intellidrive login process is straightforward, but any technical difficulties can be addressed through the IntelliDrive phone number for customer support.
Travelers IntelliDrive offers safe drivers up to a 30% discount, but beware—risky behaviors tracked by the app could raise your rates instead.
Melanie Musson Published Insurance Expert
When considering extended coverage, IntelliDrive vehicle service contract reviews and IntelliDrive warranty reviews can provide valuable insights, especially when evaluating the IntelliDrive max warranty. Drivers concerned with speed monitoring should note that IntelliDrive high speed tracking is a significant factor in scoring.
For those needing assistance, the Travelers IntelliDrive phone number is available for customer support. Additionally, taking advantage of the Travelers safe driver insurance discount can be beneficial for drivers who maintain safe driving habits.
Ultimately, it’s essential to weigh the pros and cons by reviewing IntelliDrive reviews and complaints to ensure the Travelers telematics program aligns with your driving habits and expectations.
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Evaluating Whether Travelers IntelliDrive Is Worth It
By using Travelers IntelliDrive, you can improve your driving techniques. Teen drivers can also use the app to help them learn to be safer drivers. If you see your score is low in the app, you have 45 days to opt-out of the program, providing you with a fail-safe.
Teens learning to drive and people who don’t drive often and have perfect driving histories may benefit from this program.
However, before choosing a UBI program, the National Association of Insurance Commissioners (NAIC) encourages drivers to understand the details of the company’s data collection process. To learn more, read our “Usage-Based Insurance [How to Save with UBI]“.
Some Travelers Intellidrive reviews point out that the program comes with a privacy policy that uses data for research and development purposes. In other words, Travelers does not protect your privacy.
Also, getting stuck in heavy traffic or taking a long drive can cause your score to drop, potentially leading to a rate increase instead of actual savings.
It’s essential to compare the Travelers IntelliDrive automobile insurance rates to other reputable providers near you before choosing an insurer.
Enter your ZIP code into our free quote tool below and see what other telematics programs are out there besides Travelers IntelliDrive auto insurance.
Frequently Asked Questions
What does IntelliDrive consider high speed?
IntelliDrive typically considers any speed that exceeds the posted speed limit by a significant margin as high speed. The exact threshold may vary, but consistently driving over the speed limit could negatively impact your IntelliDrive score.
To learn more, read on our “Driving Tips for Road Safety“.
Can I delete IntelliDrive after 90 days?
Yes, you can delete the IntelliDrive app after the 90-day monitoring period is complete. Your final score will have already been calculated, and the data will be used to adjust your insurance premium accordingly.
Does Drive Safe and Save track speed?
Yes, Drive Safe and Save, like IntelliDrive, tracks various driving behaviors, including speed. The program monitors whether you adhere to speed limits, and consistent speeding can impact your discount.
You can also enter your ZIP code below into our free comparison tool to start comparing rates now.
Is IntelliDrive worth it?
IntelliDrive can be worth it for drivers who practice safe driving habits and are looking to reduce their insurance premiums. However, it may not be ideal for those who frequently drive at high speeds or during high-risk times of the day.
To gain further insights, read on our “How does an auto insurance company determine my premium?”
How does IntelliDrive know who is driving?
IntelliDrive uses your phone’s sensors, GPS, and other data points to determine driving patterns. If there are multiple drivers, the app allows you to confirm who was driving after each trip to ensure accurate tracking.
How does IntelliDrive work?
IntelliDrive works by monitoring your driving behavior through a mobile app over a 90-day period. The app tracks factors such as speed, braking, acceleration, time of day, and phone usage while driving. This data is then used to calculate a driving score, which can affect your insurance premium.
How to beat IntelliDrive?
While it’s not advisable to try to “beat” IntelliDrive, maintaining safe driving habits—such as adhering to speed limits, avoiding harsh braking, and limiting phone usage—can help you achieve a better score and potentially lower your insurance premium.
For more information, read our “Factors that Affect Your Car Insurance Premium“.
How to install the Travelers IntelliDrive app?
To install the Travelers IntelliDrive app, visit the Apple App Store or Google Play Store on your smartphone. Search for “Travelers IntelliDrive,” download the app, and follow the on-screen instructions to set up your account and start tracking your driving.
What does IntelliDrive track?
IntelliDrive tracks various aspects of your driving behavior, including speed, braking, acceleration, cornering, time of day, and phone usage while driving. This data is used to calculate a score that influences your insurance rates.
What is IntelliDrive?
IntelliDrive is a telematics program offered by Travelers that monitors and evaluates your driving habits through a mobile app over a 90-day period. The data collected is used to calculate a driving score, which can lead to a discount on your auto insurance premium if you demonstrate safe driving behaviors.
What is Travelers IntelliDrive’s customer service hotline?
Can I delete IntelliDrive after 90 days?
Does Drive Safe and Save track speed?
Is IntelliDrive worth it?
How does IntelliDrive know who is driving?
How does IntelliDrive work?
How to beat IntelliDrive?
How to install the Travelers IntelliDrive app?
What does IntelliDrive track?
What is IntelliDrive?
What is Travelers IntelliDrive’s customer service hotline?
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