Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 14, 2021

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Key Takeaways

  • Travelers IntelliDrive can save drivers upwards of 30 percent off their rates.
  • Riskier drivers can see their rates rise.
  • Travelers IntelliDrive evaluates driving habits for a period of 90 days then tailors a discount to match your driving ability.

Welcome to our Travelers IntelliDrive car insurance review. What is Travelers IntelliDrive? This is a usage-based insurance (UBI) program that evaluates driving habits for a period of 90 days.

We are going to go through everything you need to know  to decide whether you want to buy Travelers IntelliDrive car insurance. First, what it monitors. Then, what car insurance discounts for driving devices and apps it will provide.

Before you learn more about Travelers IntelliDrive, type your ZIP code into our free and helpful tool above. With it, you’ll find affordable car insurance quotes in your local area.

Travelers IntelliDrive Car Insurance Review: How does it work?

Travelers IntelliDrive is like other telematics programs in that it utilizes a an app on your mobile device to record driving habits for a 90-day period.

What driving habits does Travelers IntelliDrive monitor? Let’s see:

  • Speeding
  • Abrupt braking
  • Acceleration
  • Time of day when the vehicle is used
  • Location

The only one of these not monitored for the sake of tailoring rates is your location. Travelers states that this particular information is for internal research purposes exclusively.

What is the benefit of all this? In short, programs like these were created to make safer drivers (and save you money). The CDC reported that, in 2018, over 2,800 people were killed due to distracted driving.

Programs like Travelers IntelliDrive exist, in short, to decrease the severity of this issue.

Let’s move on to how much users of Travelers IntelliDrive can save.

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How much can Travelers IntelliDrive save safe drivers?

Before looking into safe drivers, how about unsafe? As it turns out, IntelliDrive has the ability to increase their rates in all states but four: Pennsylvania, Maryland, Montana and Virginia (plus D.C.).

You may be wondering what states in which Travelers IntelliDrive are available. Let’s look at a quick table:

Travelers IntelliDrive State Availability
District of Columbia
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Rhode Island
South Carolina
South Dakota
West Virginia
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What kind of discount can you expect from Travelers IntelliDrive in these states? Traveler’s does offer an enrollment discount, but the figure is not listed.

However, some sources label it as merely five percent. Even still, this minor discount isn’t even a guarantee. Travelers’ site says their insured who use IntelliDrive “may” receive a discount.

So, should you renew, what is the maximum amount you could save? At best, you’d save 30 percent. Let’s compare this discount to others:

Potential Savings by Insurance Provider and Telematics Program
Insurance CompanyProgramDeviceEarned Savings (Up to)
AAAAAADriveMobile App30%
AllstateDrivewiseMobile App25%
American FamilyKnowYourDrivePlug-in40%
EsuranceDriveSenseMobile App30%
Liberty Mutual/SafeCoRightTrackMobile App or Plug-in30%
MetLifeMy JourneyPlug-in30%
MetromileMetromileMobile App60%
Mile AutoMile AutoNeither40%
ProgressiveSnapshotMobile App or Plug-in20%
State FarmDrive Safe & SaveMobile App or Plug-in50%
The HartfordTrueLanePlug-in25%
TravelersIntelliDriveMobile App30%
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Now that we’ve seen how Travelers’ program stacks up, let’s close out our Travelers car insurance review (with a focus on IntelliDrive).

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Travelers IntelliDrive Car Insurance Review: The Bottom Line

Our Travelers IntelliDrive review has shown us that it’s really only worth it should you be insured by Travelers already. It’s free to sign up, but not quite worth switching providers.

Whenever speaking with your representative, Travelers or otherwise, bring up discounts. Insurers provide a plethora of them and they can prove just as beneficial as a UBI program if not more so.

Now that you’ve finished this Travelers IntelliDrive car insurance review, type your ZIP code into our free and helpful tool below. With it, you’ll find the most affordable car insurance quotes in your area.

Frequently Asked Questions: Travelers IntelliDrive Car Insurance 

What follows are a few commonly asked questions about Travelers IntelliDrive.

#1 – Is there a way to know how to beat IntelliDrive?

You can’t beat IntelliDrive; it’s going to monitor you when you’re in the vehicle.

#2 – What is a Travelers IntelliDrive event?

This is when you do something like hard braking. It’s an event because it’s something the app will pick up on.

#3 – What do I do if my IntelliDrive is not working?

Hard reboot your device, then start the app back up.