Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: May 4, 2022

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Just What's Essential

  • Signing up for Travelers IntelliDrive can save you up to 30%
  • Your rates may increase if the data reveals you are a risky driver
  • Travelers IntelliDrive needs only a mobile app, so no device is needed for your car

Car insurance rates are often calculated based on discriminatory factors like your gender, marital status, and credit score. Wouldn’t it be great to get affordable car insurance based on how you actually drive?

It’s called usage-based car insurance, and Travelers IntelliDrive may be a good option for you. Keep reading our Travelers IntelliDrive review to see if you can save up to 30% on your Travelers IntelliDrive car insurance rates.

Even if you are a bit anxious about trying Travelers IntelliDrive, you can still get affordable usage-based car insurance quotes from multiple companies in your area by entering your ZIP code.

How does Travelers IntelliDrive work?

Can usage-based car insurance rates really be that significantly lower than normal?

Telematics has been utilized for nearly a decade, and the technology is getting more and more advanced. Travelers IntelliDrive runs on your smartphone for a 90 day period and then your discount is in effect for the rest of your policy.

All policyholders are eligible to try it out. Use your Travelers insurance login to find out if IntelliDrive is an option in your state.

Travelers IntelliDrive monitors your driving habits that are most important to be safe on the roads.

  • It makes sure you are following the speed limits
  • It takes notes on time of day you drive, day or night
  • It records your rate of acceleration and braking
  • It observes how often and for how long you use your smartphone

You get a score and turn-by-turn report for each Travelers IntelliDrive event. If you pick up your phone while your vehicle is in motion, your score will decrease.

If you are wondering how to beat Travelers IntelliDrive, there is no way to do so. Telematics data never lies. IntelliDrive not working properly is a signal to contact Travelers immediately.

All of this may sound unfair, but Travelers is doing their part to prevent distracted driving.

If you are unhappy with your Travelers IntelliDrive car insurance discount, you can still get quotes from other usage-based car insurance companies.

But, consider the statistics. The Centers for Disease Control and Prevention (CDC) estimates that more than 2,800 individuals were killed in 2018 and almost 400,000 were injured by distracted driving.

Safe driving not only saves lives but also saves you money. Even teens can use Intellidrive, and parents can see their reports.

No matter what car insurance company you choose, preventing deaths with usage-based insurance is always a good thing.

Interested in tips for reducing your auto insurance premium with years of safe driving? Good student discounts are a good place to start.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Is Travelers IntelliDrive worth it?

It’s incredibly beneficial that technology has advanced so much that we can help save lives and get rewarded for safe driving. However, there are disadvantages to Travelers IntelliDrive.

The app is continuously running in the background, so your phone battery will drain quickly or your data usage will increase.

But if you get an unlimited data plan and keep a charger in your car, you could save money on your car insurance rate and become even more aware of how safe of a driver you really are (or are not).

Who should use Travelers IntelliDrive?

Even if usage-based car insurance quotes can be cheaper, usage-based car insurance isn’t right for everyone.

However, if you have speeding tickets, DUIs, or accidents lingering on your driving record that still affect your car insurance rates, it may be best to consider a high-risk car insurance policy.

It’s the perfect program for those who work from home, have a very short commute to work, and do most of their driving during the day.

If you work second or third shift, have a long drive to work and back home, or live in a busy city with traffic problems, Travelers IntelliDrive may not be best for you.

Travelers IntelliDrive can decrease (or increase) your car insurance rates, so find the most affordable car insurance. Buy usage-based car insurance from a company that best suits your needs.

If Travelers IntelliDrive usage-based car insurance is not right for you, you can still save by entering your ZIP code now to compare car insurance quotes from multiple companies.