Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Mar 1, 2021

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The Lowdown

  • Travelers IntelliDrive can save you up to 30 percent
  • IntelliDrive evaluates safe driving skills to determine your discount
  • If you drive poorly, Travelers can raise your rates

Travelers IntelliDrive is a use-based insurance product that provides you with auto insurance discounts for safe driving habits.

However, your Travelers IntelliDrive auto insurance rates will potentially go up if you are not a good driver. If you have poor driving habits, this might not be the program for you.

Shop around before you buy Travelers IntelliDrive auto insurance to make sure you are getting the best deal. Enter your ZIP code now receive quotes to compare near you.

How does Travelers IntelliDrive work?

IntelliDrive uses a free app to track your driving and then apply a discount based on the score it gives you. Better driving equals more savings. Safe drivers can save up to 30 percent off of their Travelers IntelliDrive auto insurance quote.

It’s very simple to use. Just install the app and use your Travelers insurance login to create your account.

The program evaluates your driving for 90 days, and you receive your discount for the life of your policy. You can cancel your enrollment in the program in the first 45 days with no changes to your policy.

The downside is that your rates can actually increase if you don’t exhibit the driving skills Travelers wants.

The habits Travelers evaluates are:

  • Acceleration
  • Hard braking
  • Speed
  • Time of day you drive
  • Distracted driving

Distracted driving includes any interaction with your phone while you are driving, such as making a phone call, texting, or adjusting your navigation settings.

Making you aware of your distracted driving habits is a good thing. The CDC estimates that more than 2,800 individuals were killed in 2018 and almost 400,000 were injured by distracted driving.

Be mindful that the IntelliDrive app runs on your phone in the background. This means that your battery life, use of data, and privacy can be affected.

Although Travelers is considered one of the best insurance companies around, reviews of Travelers IntelliDrive are mixed. The main concerns are that the app is not user-friendly and Travelers insurance rates can actually increase.

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Is Travelers IntelliDrive worth it?

There are pros and cons, as in any telematics application. Pros include that it is simple to use, that it can save you money, and that it can make you more conscious of your driving habits.

The program’s disadvantages are that your prices may go up, your data may be used, and your privacy may be a concern.

For individuals who do not drive much, do not drive at peak hours, and have outstanding safe driving habits, Intellidrive is a perfect way to save.

If you drive at peak hours, however, or have any bad driving habits, it might be better to skip this service so that your auto insurance rates do not go up.

Adding discounts and shopping around can help you get affordable Travelers IntelliDrive auto insurance. Enter your ZIP code now to compare quotes from multiple companies.