Travelers IntelliDrive Review 2025

Travelers IntelliDrive is a usage-based program that rewards safe drivers with lower premiums. Using your smartphone, the app tracks driving behaviors such as speed, braking and phone use behind the wheel. When it’s time to renew your policy, Travelers adjusts your rate based on your performance.

There are multiple versions of the program: IntelliDrive, IntelliDrive 365 and IntelliDrivePlus. The potential discounts and terms depend on the versions of IntelliDrive available in your state, but they work similarly.

Travelers IntelliDrive is a telematics program that uses your driving data to adjust your premium. IntelliDrive tracks these driving behaviors:

• Speed and acceleration: Maintain safe, consistent speeds to reduce your risk on the road.
• Braking: Keep at least a three-second following distance between you and the vehicle in front of you.
• Time of day: Limit driving from 10 p.m. to 5 a.m.
• Distractions: Keep your attention on the road, and avoid using your phone while driving.

In addition to calculating your driving score, IntelliDrive provides feedback after each trip, depending on the category that needs improvement. It also shows you how much of your time on the road is distraction-free. I think that’s incredibly important, especially for drivers in traffic-heavy cities.

IntelliDrive Versions

Travelers offers three versions of its telematics program: IntelliDrive, IntelliDrive 365 and IntelliDrivePlus. All three versions track the same driving behaviors, but they have different monitoring periods and premium adjustments.

• IntelliDrive: This is the standard version, and it’s available in most states. It measures your driving habits over a 90-day period, with a 500-mile minimum.
• IntelliDrive 365: This version builds on the standard program with a full policy-term review.
• IntelliDrivePlus: This version includes everything in IntelliDrive 365 but adds a mileage component that rewards drivers who log fewer miles and maintain safe habits.

This slate of offerings is a little more complex than those of other insurers; most other major providers offer only one telematics discount program. For example, Nationwide has SmartRide, and Allstate has Drivewise. However, you can always call an agent to confirm the details of the IntelliDrive version available in your state.

Your exact savings will depend on your state and which version of IntelliDrive you enroll in. Every IntelliDrive program includes an enrollment discount, but drivers can earn larger discounts through IntelliDrive 365 and IntelliDrive Plus.

The standard version of IntelliDrive offers the most generous renewal discounts, but IntelliDrive365 and IntelliDrivePlus have higher potential savings at enrollment. Here’s how each version compares:

Note that your discount will depend on which state you live in. On its website, Travelers shares some of the maximum renewal discounts by state through the standard IntelliDrive program:

• Nevada: Up to 40%
• North Carolina: Up to 25% (with an 8% enrollment discount)
• New Jersey: Up to 25%
• Florida: Up to 22%
• South Carolina: Up to 5%

Can Travelers IntelliDrive Raise Your Rates?

No matter which version of IntelliDrive you use, your premiums may increase if you display risky driving behaviors. Only drivers in the District of Columbia, Montana, Virginia and North Carolina won’t face potential rate increases.

For the standard version of IntelliDrive, you’ll start earning your discount after completing the 90-day driving assessment. During this period, the Travelers app tracks your driving behaviors to calculate your potential savings. Once the evaluation ends, your discount is applied at your next policy renewal.

If you’re enrolled in IntelliDrive 365 or IntelliDrivePlus, Travelers continuously monitors your driving and adjusts your rate at each renewal. These versions use long-term driving data, so your savings reflect your most recent driving habits.

I’ve dug into the details of Travelers IntelliDrive to give you an overview of what to expect. Here’s what to know:

How to Enroll in Travelers Intellidrive

You can enroll in Travelers IntelliDrive by contacting your agent or accessing the Travelers mobile app. Once you’ve signed up, download the IntelliDrive app and enable the required location and motion permissions. The app runs automatically in the background, so you don’t have to start or stop trip tracking manually.

If you have multiple members on a policy, you can have all of them sign up for IntelliDrive and compare distracted-driving scores in the app. It’s a major plus if your family has a young driver, since teens are more likely to drive while distracted. This feature allows you to be more involved in helping your teen develop safe driving habits.

Travelers Intellidrive Trip Tracking

IntelliDrive uses your smartphone’s sensors to monitor your driving behaviors. Unlike transponder-based programs, IntelliDrive may not always accurately determine when you’re a driver and when you’re a passenger. If it marks your trip inaccurately, you can change the information within 10 days.

In my opinion, the extra work required for app-based programs is a major downside. Because I live in Los Angeles, I occasionally take rideshares to locations with limited parking. If IntelliDrive were available in my state, I’d need to monitor my trips for mistakes or risk paying more for my next policy.

Travelers Intellidrive Data Privacy

To enroll in IntelliDrive, you must grant Travelers access to your location, motion and driving data. According to the company’s privacy policy, this information is used to assess your driving behavior and calculate discounts, and it may be shared with third parties that help manage and analyze the program. Drivers who aren’t comfortable with this may want to look for other discount options instead.

Because I haven’t used the IntelliDrive app, I analyzed app store reviews to get a better sense of how it performs. Travelers offers two versions of the IntelliDrive app: IntelliDrive for drivers enrolled in the standard version, and IntelliDrive365 for drivers enrolled in IntelliDrive365 or IntelliDrivePlus.

It looks like the IntelliDrive app has better feedback than the IntelliDrive 365 app, with iPhone users generally reporting a better experience than Android users.

Based on the reviews, users frequently cited the following complaints:

• Inaccurate trip detection
• Battery drain and background performance issues
• Unfair deductions for supposed distracted driving

It looks like IntelliDrive 365 app users encountered more challenges with trip detection and unreasonable score deductions. That’s an important factor to keep in mind if you’re considering IntelliDrive 365 or IntelliDrivePlus.

Compared with competitors, Travelers IntelliDrive’s maximum enrollment and renewal discounts are on the higher end. Here’s a better look at how Travelers IntelliDrive stacks up against other telematics programs:

If you’re not sure about usage-based insurance, Travelers offers several other ways to save on your auto policy. Here are some of the most common car insurance discounts available:

• Multipolicy: Save when you bundle your auto policy with a home, renters or other qualifying policy.
• Multivehicle: Insure more than one vehicle on the same policy to qualify for additional savings.
• Safe driver: Earn lower rates if you have a clean driving record with no recent accidents or violations.
• Hybrid/electric vehicle: Get rewarded for driving a hybrid or electric vehicle.
• New-car discount: Qualify for a car insurance discount if your vehicle is newer and equipped with the latest safety features.
• Early quote: Receive savings when you get a car insurance quote from Travelers before your current policy expires.
• Good student: Students who maintain a B average or higher may be eligible for this discount.
• Driver training: Completing a state-approved driver education or training course can help lower your rate.
• Automatic payment: Save by setting up automatic payments or electronic fund transfers for your premiums.
• Affinity: Members of participating employer groups, credit unions and associations may qualify for additional savings.

Travelers IntelliDrive may be a great way to save if you live in a state where the program doesn’t increase premiums or provides higher maximum discounts. Based on the information available, that includes drivers in North Carolina, who will enjoy a maximum discount of 25 percent and won’t get penalized for risky driving. If you’re not sure about the discount amount, you can check with a Travelers agent.

Travelers IntelliDrive also may be ideal for families with young drivers, since the app allows you to view the phone distraction scores of all enrolled policy members. That makes it easy to see how focused your teens are while driving while helping you keep them safe.

Overall, telematics programs like IntelliDrive can help you cultivate better driving habits to help you avoid traffic violations and accidents in the long run.

IntelliDrive is ideal if you:

• Practice safe driving habits, like smooth braking, steady speeds, and minimal phone use.
• Want feedback on your driving to help improve safety and potentially earn savings.
• Are looking for additional savings on your car insurance.
• Drive mostly during daytime hours.
• Have young drivers on your policy.

IntelliDrive is not ideal if you:

• Don’t want to risk a premium increase for a poor driving score
• Regularly drive late at night or during high-traffic hours.
• Need to use your phone on the road (for rideshare driving, etc.).
• Live in Alaska, California, Hawaii, Louisiana, Michigan, New York, Rhode Island or West Virginia.

We use a transparent, data-driven process to evaluate usage-based insurance programs like Travelers IntelliDrive. Our goal is to help drivers understand how these programs work, what data they collect, and whether they’re worth enrolling in.

Tracked Behaviors and Data

We start by examining what information each program uses to calculate discounts. IntelliDrive monitors factors such as speed, acceleration, braking, phone distraction, and the time of day you drive. We give higher marks to programs that automatically detect trips for convenience and accuracy. Crash detection is a valuable bonus but not a requirement. We also look for strong data security practices, like encrypting telematics data and not sharing the data with third parties for marketing.

Availability

Not all telematics programs are offered in every state. We check to see where each version of IntelliDrive is available and how discounts vary by location. Programs with consistent access and savings across multiple regions score higher in our evaluations.

Telematics Technology

The technology behind each program plays a key role in the user experience. App-based programs are easy to set up, but they can drain your phone battery or misclassify passenger trips. Plug-in and Bluetooth devices tend to be more reliable. We also consider app performance and customer reviews in the Apple App Store and the Google Play store.

Rates

We compare how much drivers can save. Top programs offer discounts of 30 percent or more and include an enrollment bonus. We give preference to programs that reward safe driving without significantly increasing premiums for occasional riskier behavior.