Travelers IntelliDrive Program Review [2021]

Travelers IntelliDrive is a usage-based insurance program that gives you up to 30% off when you drive safely for 90 days. While several factors determine Travelers auto insurance rates, IntelliDrive insurance rates are determined by speed, the time you drive, and if you're distracted while driving. Shop around and compare to secure Travelers IntelliDrive savings.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 19, 2021

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Company Details
Address: 485 Lexington Avenue
City: New York
State: New York
ZIP Code: 10017
Phone Number: 1-800-842-5075
Year Founded: 1849
AM Best Rating: A++
Company Rating 0 (0 reviews)

Did you know that the Travelers Car Insurance Company has a usage-based insurance program? You don’t buy Travelers IntelliDrive, but you can sign up.

But how can you get Travelers IntelliDrive car insurance? Don’t worry – our Travelers IntelliDrive program review will explain everything you need to know about the usage-based insurance program.

If you want a closer look at Travelers, read our Travelers car insurance review for more details.

After reading our Travelers IntelliDrive program review, enter your ZIP code in the free online quote tool above to compare multiple companies near you.

How does Travelers IntelliDrive work?

Travelers IntelliDrive is a pay-how-you-drive (PHYD) usage-based insurance program that gives you car insurance discounts for driving safely.

You don’t need to install a telematics device in your car. IntelliDrive only requires Travelers customers to sign up and install the IntelliDrive app on their smartphone.

The IntelliDrive app contains an app dashboard, a tally of distraction-free trips, tips on safer driving habits, and travel details.

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Where can I get Travelers IntelliDrive?

Travelers IntelliDrive is limited to 41 states and Washington, D.C. We researched IntelliDrive’s maximum savings for each state and organized the results in the table below.

Travelers IntelliDrive Savings Amount by State
Potential Savings AmountQualifying States
30%AZ, CO, CT, IL, IN, KY, MN, MO, NH, OH, OR, PA, TN, TX, VA, WI
20%AL, AR, D.C., GA, IA, ID, KS, MD, ME, MS, MT, NE, NJ, NM, OK, SC, UT, VT, WA
Rates Cannot IncreaseDC, MD, MT, VA
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To get access to the highest available savings, you’ll need to have good driving habits. Continue reading to learn which driving behaviors IntelliDrive monitors.

What driving habits does Travelers IntelliDrive monitor?

Travelers IntelliDrive will monitor your driving habits for 90 days and reward you for safe driving. However, unsafe driving behaviors could increase your Travelers IntelliDrive car insurance rates.

Here’s a list of driving behaviors Travelers IntelliDrive agents keep a close eye on.

  • Time of Day
  • Speed
  • Braking
  • Distraction

Distracted driving can minimize your savings more than any driving habit on the list. Car insurance companies want to deter distractions while driving.

How does IntelliDrive affect Travelers car insurance quotes?

Several factors determine whether affordable Travelers car insurance is available to you.

If you have a clean driving record, you could pay $287 a month for full coverage auto insurance at Travelers Insurance Company.

According to the National Association of Insurance Commissioners (NAIC), liability auto insurance coverage is about 51% less than full coverage.

Using NAIC’s factors, we estimate that Travelers liability-only coverage is $146 a month.

When you factor in IntelliDrive savings, you’ll pay 30% less, which is about $201 per month ($103 a month for liability-only insurance). That’s not counting the other discounts.

Additional car insurance deals will put the brakes on expensive costs, and you’ll get the cheap car insurance you need.

What if Travelers IntelliDrive is not working?

If you don’t have enough Travelers IntelliDrive events, you may not get the discount you need. You’ll have to use Travelers IntelliDrive more than ten times to get savings after 90 days.

Many drivers want to know how to beat IntelliDrive. The best way is to cancel Travelers IntelliDrive and focus on other discounts.

How do I cancel Travelers IntelliDrive?

You can opt out of IntelliDrive within 45 days of signing up for the program. If you want to cancel Travelers IntelliDrive, contact customer service.

Here’s a list of Travelers Insurance contact information:

  • Customer Service Phone Number – 1-800-842-5075
  • MyTravelers® Technical Assistance – 1-877-754-0481

If you’re closer to your computer, try canceling IntelliDrive online. Visit the Travelers insurance company website for more details.

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Is Travelers IntelliDrive worth it?

It depends on your situation. To help answer this frequently asked question, we’ve listed some pros and cons.
Travelers IntelliDrive Pros:

  • You can check your driving progress
  • Parents can keep track of teen drivers
  • Opt-out within 45 days
  • Some states won’t see an increase regardless of driving habits

Travelers IntelliDrive Cons:

  • Drivers won’t get a perfect score
  • Your data could be exposed
  • Customers have to alert the app each time you change cars (i.e., driving a friend’s or family member’s car)
  • IntelliDrive monitors your driving regardless of the situation

Did we miss something? Although IntelliDrive gives you another way to save, there are other methods you can pursue to save money on Travelers auto insurance.

Travelers IntelliDrive Program Review: The Bottom Line

IntelliDrive can provide cheaper rates, but you have to practice good driving habits.

If you have a clean driving record, focus on other discounts to save money on Travelers. Don’t risk increasing your rates.

Now that you’ve finished this Travelers IntelliDrive program review, use our free online quote tool to compare multiple companies near you.

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