When you’re on the roads, you always practice safe driving habits. What if your insurance company rewarded you for this responsible behavior behind the wheel?

That’s the thinking behind the Travelers IntelliDrive program. Like many other major players in the auto insurance industry, Travelers is letting drivers earn car insurance discounts when they practice safe driving habits. With the power of telematics data, Travelers is helping countless drivers reduce their monthly premiums.

Is Travelers IntelliDrive the right option for you? In this article, we’ll learn more about this telematics program and listen to what customers are saying about it. But before settling on car insurance, quote comparison is key. That’s where Insurify comes in. With Insurify, you can quickly compare car insurance quotes side by side from a variety of providers and find the coverage that works for you.

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What’s Travelers IntelliDrive, and how does it work?

Travelers describes IntelliDrive as a program that “uses a smartphone app to capture and score driving behavior.” And Travelers explains that when you enroll in IntelliDrive, you have the chance to earn savings of up to 20 percent on your policy’s first term. 

How does IntelliDrive score driving behavior? Well, when you install the IntelliDrive app (available for iOS and Android), Travelers will track a variety of factors that have been proven to increase the chances of a car accident. These driving factors include the time of day, speed, acceleration, and braking. For instance, drivers who typically operate during the daytime, observe the speed limit, and brake safely are more likely to save than drivers who mostly drive at night and might engage in risky driving behavior like hard braking.

Intellidrive’s smartphone app will only collect driving information for 90 days. After those 90 days, you will receive a star rating, with five being the highest amount of stars you can earn. The adjusted insurance rate you receive based on your star rating will be reflected after your first policy renewal.

Is now the time for telematics?

In the wake of the COVID-19 pandemic, your driving habits have likely changed. You’re probably driving less than usual, and the time of day that you drive might have also changed. These new habits might make now a good time to enroll in a telematics program. For instance, you might have previously commuted at an unsafe time like rush hour, but now only drive at off-times for the occasional trip to the grocery store. Intellidrive will see this as safer driving behavior and reward you accordingly.

It’s an uncertain time for many families. Enrolling in a car insurance program that can help you save might give you some much-needed peace of mind. 

Travelers IntelliDrive Reviews: Here’s what drivers are saying…

Are drivers enjoying their experience with IntelliDrive? Checking out different reviews of the IntelliDrive mobile app in the App Store and Google Play store gives a good overview of what people like about the program and where people think it falls short.

Overall, the IntelliDrive app has received mixed reviews in the App Store, with an average of 2.7 stars. The most consistent criticism of the mobile app is that it doesn’t accurately reflect driving habits:

Meanwhile, this parent was happy to learn that IntelliDrive was helping their 17-year-old become a safe driver—while earning a discount:

Some drivers find that the IntelliDrive app is buggy. It might crash unexpectedly or not accurately capture a customer’s driving data, which this Android user found frustrating:

Overall, drivers like the idea behind IntelliDrive, but wish the execution of the smartphone app was better. Drivers seem satisfied with the discount they receive from the IntelliDrive but believe the experience could be more user-friendly.

Travelers IntelliDrive Costs and Discounts

Travelers says that good drivers can save up to 20 percent when they enroll in IntelliDrive (though it notes that drivers in Massachusetts can only max out at three percent savings and Florida drivers can only earn up to 15 percent off). Drivers who enroll in IntelliDrive can also receive a small enrollment discount when they first sign up for the program, which varies on a state-by-state basis.

If you don’t practice good driving habits, you may experience higher rates. For instance, if you regularly hard brake or accelerate rapidly, your star rating will be dinged accordingly, and you might see higher monthly rates. So if you aren’t confident that you can practice safe driving habits, you might want to rethink enrolling in IntelliDrive

If you find that IntelliDrive isn’t helping you save money, compare rates from a wide array of car insurance companies. You’ll find that there are a lot of cheap car insurance options out there for you, you just have to do some quick and easy research with Insurify to find them. 

How to Cancel Travelers IntelliDrive

Maybe you’ve decided that Travelers IntelliDrive isn’t the right program for you. Luckily, new customers can cancel the program within 45 days of enrollment without getting charged. 

To opt-out, simply call your independent insurance agent or speak to a Travelers representative at 1(866) 336-2077. Representatives are available 24/7 to hear your concerns. 

If you decide to cancel after the 45th day of enrollment, your star rating might still be factored into your monthly rate. That’s why it’s essential to opt-out promptly if you decide to move on from IntelliDrive.

Travelers IntelliDrive Contact Information

Customer service phone number1 (800) 842-5075
Claims service phone number1 (800) 252-4633
Customer service mail formOnline form
MyTravelers® Technical Assistance
1 (877) 754-0481
Headquarters address485 Lexington Ave.
New York, NY
10017
Websitetravelers.com

Travelers IntelliDrive FAQ

Is Travelers IntelliDrive available in every state?

Currently, IntelliDrive is available to drivers in AR, AZ, AL, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MN, MO, MS, MT, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, and WI. Discounts can vary on a state-by-state basis. For instance, drivers in DC, MD, MT, PA, and VA are not at risk of higher premiums if they engage in riskier driving habits.

What type of phone does the IntelliDrive app work on?

IntelliDrive’s smartphone app works on Apple iPhones 4S and above (iOS 9.0 or newer is required) and on all Android phones (OS Lollipop 5.1 or newer is required). For the IntelliDrive app to work, your phone must be on while driving. Travelers specifies that the app will not drain your phone’s battery life or use a large amount of data.

How can I save money on my car insurance policy if I’m driving less now?

When you spend less time on the roads, you have a lower likelihood of getting into an accident and filing a claim. That’s why enrolling in a telematics program is a good idea if you’re driving less. Before settling on a coverage plan, use Insurify to find the car insurance providers that reward less driving through discounts and usage-based insurance programs. With Insurify you can quickly find cheap car insurance and compare a wide variety of car insurance quotes.

Conclusion: How to compare cheap car insurance quotes and save

Are you interested in Travelers IntelliDrive? Or do you want to look for similar telematics programs from competitors, like Drivewise from Allstate or Drive Safe and Save from State Farm? Or maybe you’ve decided telematics isn’t right for you, but are still wondering how to secure cheap car insurance

Insurify is here to help. Insurify makes it easy to compare quotes from a handful of different car insurance providers, putting these quotes side by side so you can see how they stack up. Gone are the days of navigating from site to site, trying to keep track of the best prices. Insurify puts all the information you need in one place so that you can find that car insurance coverage that works for you.

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Updated June 30, 2020

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.