Traveler IntelliDrive

Travelers IntelliDrive is a usage-based telematics program that gives drivers the chance to earn discounts on auto insurance. By sharing driving data with Travelers via mobile app, you can show that you are a safe driver deserving of a discount — in some cases up to 30%.

Travelers only monitors your behavior for 90 days, making it a good fit for drivers who don't like the idea of being continually observed by their insurer. That said, it's one of the few telematics programs where poor driving behavior can increase your rates.

To decide if Travelers IntelliDrive is right for you, read on for our full review.

Good for
  • Drivers who don't like the idea of continuous monitoring
Bad for
  • Maintaining your current auto insurance rates
  • Those who must drive late at night
  • Those who find it difficult to stay phone-free while driving

What is Travelers IntelliDrive?

Travelers IntelliDrive is a usage-based discount program, which means it offers you discounts based on your driving habits. Travelers monitors your driving habits through the IntelliDrive mobile app that you install on your phone.

Travelers says that most drivers can earn up to 30% off their auto insurance premium by driving safely during the monitoring period, though discounts vary by state.

Travelers monitors your driving behavior for 90 days. All drivers receive feedback on areas of potential improvement during this monitoring period. At the end of the period, drivers receive a star rating based on their performance. Drivers who perform well receive a discount that is applied to their next policy, while poor performance can cause Travelers to raise rates.

What states is Travelers IntelliDrive available in?

Travelers is not available in all 50 states. Policyholders in most states and the District of Columbia have access to the IntelliDrive program, but those in these 12 states will have to identify other ways to reduce their premiums:

  • Alaska
  • Arkansas
  • California
  • Louisiana
  • Michigan
  • North Carolina
  • North Dakota
  • New York
  • Rhode Island
  • South Dakota
  • West Virginia
  • Wyoming

How does Travelers IntelliDrive work?

The Travelers IntelliDrive program uses telematics technology to track driving behavior and reward safe drivers with discounts on auto insurance. How drivers can participate:

  • Step one: Download the Travelers IntelliDrive app on your smartphone. Apple users must have an iPhone 4S or above with iOS 12.2 or more recent; Android users must have Android 8 or newer installed.
  • Step two: If other drivers on your policy want to participate in the program, have them download the app as well. You will receive an enrollment discount for signing up.
  • Step three: Drive as you normally would for 90 days, keeping your phone with you, and with location services and WiFi on. The app will monitor your trips and offer feedback as to how you can improve.
  • Step four: At the end of 90 days, Travelers will calculate your discount based on how well you performed. Safe driving will earn you a discount off your premium when you renew your policy; unsafe driving could raise your rate.
  • Step five. Enjoy your discount for as long as you have a Travelers policy on your car. If you're not satisfied with your discount, you can undergo monitoring again to earn a better one.

If you decide you don't want to participate in the program, you can opt out within 45 days of enrollment, and the only penalty will be forfeiting your participation discount. To cancel Travelers IntelliDrive, you need to call your insurance agent or a Travelers representative.

If, however, you wait longer than 45 days and have driven 500 miles with IntelliDrive monitoring you, Travelers will use the data created during this period to calculate your premium. Kansas and Montana are the exceptions to this rule. Kansas drivers have 90 days to opt out before their driving data impacts their premium. Montana drivers can opt out at any time.

How does Travelers Insurance use IntelliDrive to rate your driving?

Travelers IntelliDrive rates your driving safety based on the following behaviors:

  • Time of day
  • Speeding
  • Acceleration
  • Braking
  • Hand-held phone usage

However, Travelers does not monitor distracted driving in a select handful of states. Program participants in Idaho, Maryland and New Jersey don’t have their hand-held phone usage factored into their score. And in all states, phone usage that is not hand-held — such as streaming music or using a navigation app — does not count against you.

How much can you save with Travelers IntelliDrive?

Travelers advertises a maximum performance discount of 30%, but the maximum discount varies significantly from state to state. The table below outlines the maximum performance discount available in each state:

Maximum percentage off policy premium
States available
Up to 20%Idaho, Maryland and New Jersey
Up to 22%Florida
Up to 30%Arkansas, Arizona, Alabama, Colorado, Connecticut, Washington, Delaware, District of Columbia, Georgia, Iowa, Indiana, Illinois, Indiana, Kansas, Kentucky, Massachusetts, Maine, Missouri, Montana, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Vermont, Washington and Wisconsin
Up to 40%Nevada

In most states, your rates could go up if you score poorly during the monitoring period. However, there are a few states where Travelers will not raise your rates even if you don't practice safe driving habits. These states include:

  • District of Columbia
  • Maryland
  • Montana
  • Virginia

Enrollment discounts also vary depending on what proportion of eligible drivers on the policy enroll. The more drivers who enroll, the larger the discount.

In Nebraska, for example, you get a discount of 10% if it's just you on the policy and you enroll in IntelliDrive. However, your discount can go as low as 1.7% if there are 12 eligible drivers but only two enroll.

If you're a passenger in a car but the app mistakes you as the driver, you have 10 days to make a correction in the app. Otherwise, the other driver's behavior will be counted as your own.

Is Travelers IntelliDrive worth it?

As with all other telematics programs, Travelers IntelliDrive comes with pros and cons. On the one hand, we like that it only monitors drivers for 90 days — and that the app does not collect any more data once the 90 days are up. Other apps require continuous monitoring, meaning that your insurer knows where you are and how you drive for as long as you want to maintain your discount.

On the other hand, Travelers is one of the few usage-based telematics programs that imposes rate increases if you perform poorly. Most other insurers say they will not raise your rates based on the data collected during the monitoring period, but Travelers will.

Additionally, Apple users seem to have a better experience with the app than Android users. The Travelers IntelliDrive app has a 4.6 out of five score in the Apple App Store, but it received only a 3.8 out of five in Google Play. Reviews in both stores highlighted how the app penalized them for braking quickly to avert an accident, or commuting to and from work during rush hour.

Bottom line: Given these complaints and the fact that the company may raise your insurance rates, we generally don't recommend Travelers IntelliDrive to most drivers. You're better served finding a company that offers a stronger telematics program and lower rates overall than Travelers.

Check out the table below to see how other telematics programs compare to Travelers IntelliDrive:

Program name
Maximum discount
Review period length
Can premiums go up?
Phone usage impacts discount?
Travelers IntelliDriveVaries, usually 10% enrollment discount and 30% performance discount90 daysYesYes, though not hands-free usage
State Farm Drive Safe & Save30%, 50% for some customersEach policy renewal periodDiscount may increase or decrease depending on driving performanceYes
Progressive Snapshot$37 average sign-up discount, $145 average final discountFirst policy periodYesYes, if using mobile app
Allstate DrivewiseNo maximum; initial sign-up discount, followed by performance discountFirst 50 trips, then every six monthsDiscount may increase or decrease depending on performanceNo
Liberty Mutual RightTrack30%90 daysNoNo
Geico DriveEasy25%First policy periodYesYes
Nationwide SmartRide40%Four to six monthsNoNo
USAA SafePilot10% participation discount, 30% performance discountEach policy renewal periodNoYes, including hands-free usage

†The description of policies for Drivewise is for the app-based program, as this is the most common version.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.