Travelers IntelliDrive Review: Should you buy in 2024?

If you are looking to save money on your Travelers car insurance policy, you’ve probably heard of the Travelers Intellidrive app. This could be a way for you to get great safe driver insurance discounts. However, not all usage-based apps are beneficial for drivers, so it’s important to research the Travelers Intellidrive app and read Intellidrive reviews before signing up to save on your auto insurance coverage. 

Read on for a complete review of Travelers Intellidrive, as well as how the app tracks data and how to decide if it is right for you. 

Review of Travelers Intellidrive 

To give you a complete picture of Travelers Intellidrive, we are going to go over all the pros and cons of the program. 

Pros of Travelers Intellidrive 

Because discount usage-based insurance programs are designed to encourage safe driving and save drivers money, there are some great pros to the Travelers Intellidrive program. Take a look at the main pros we found. 

• Can delete trips within 10 days. If you mistakenly record a trip where you aren’t the driver, you have 10 days to delete the trip off your record. 
• Can save up to 30% on your policy. Drivers can save up to 30% on their auto insurance premiums if they score well in the program. 
• Free to download and use. The app is free to use and download for Travelers auto insurance policyholders. 
• Initial discount up to 10% for signing up. Travelers offers up to a 10% discount just for joining the program. 
• Only a 90-day program. You only have to participate in the program for 90 days to earn your discount. 

If you are a good driver, you can save a decent amount of money on your insurance policy with Travelers. 

For more information, see buying usage-based auto insurance.

Cons of Travelers Intellidrive 

Travelers Intellidrive also has a few cons. Make sure to look over them carefully to get a full understanding of the program. 

• All drivers have to participate. If there are people on the insurance policy who do not download the app and register, Travelers will remove drivers from the program. This will affect your discount. 
• Can increase your insurance premium. Unfortunately, Travelers will increase your insurance premium if you score poorly in the program. 
• Not offered in all states. The program is only offered in a few states, so if you move, you won’t be able to continue participating in the program. 
• Tracks phone usage in the car. Travelers tracks if you use your phone in the car and penalizes you for any phone usage, including texting. See how texting driving affects you, your community, and your insurance policy. 

Even if you end up canceling the program because you are afraid your rates might increase, Travelers may still increase your insurance rates even though you forfeited your discounts if you don’t cancel before 45 days. The program also isn’t beneficial unless everyone on the policy participates in the program. 

How the App Collects Data

The Travelers Intellidrive program collects and stores your data with a third party. The app measures the following factors when you are driving. 

• Acceleration. If you accelerate roughly, you will get penalized. 
• Braking. Hard braking will earn you penalties on the app. 
• Phone use. Any handheld calls, texting, or other interactions with your phone will earn you a lower discount.
• Speed. If you frequently speed, you likely won’t earn a good score.  
• Time of day. If you drive at times considered more dangerous, such as late at night, your score will be worse. 

The app details state that it does allow navigation apps and music to be played on the phone without penalties. However, any action that interacts with the phone, even if it’s tapping on the phone to change a song, will be recorded. So even if you have someone else change the song on your phone, you will still be penalized. 

Deciding if the Intellidrive Program is Right For You 

The Intellidrive program is worth it for drivers as long as everyone on the policy participates in the program and practices safe driving habits. Because you earn an initial discount just for signing up and can increase that discount to 30% for good scores on the app, the program can save you a significant amount of money. 

However, if you aren’t comfortable with your data being tracked or aren’t confident in your ability to score well on the app, it is probably best to look into other discounts. Signing up with the app isn’t entirely risk-free, as poor driving habits can increase your insurance premium, even if you drop out of the program. 

If you do sign up with the app and notice that you are scoring poorly, make sure to cancel before 45 days, or you will not only lose your discount but also face higher premiums at renewal. See how the IntelliDrive app stacks up against the best auto insurance apps reviewed. 

Final Word on Travelers Intellidrive   

The Travelers Intellidrive program is designed to save drivers money, but if you aren’t a careful driver and check your scores frequently, the program could end up costing you money. Travelers Intellidrive may increase your premiums at your next renewal if you score poorly on the app. 

For more information on Travelers, see the Travelers auto insurance review.

If you are looking to save money on your car insurance, shopping around for quotes can help you find cheaper insurance. Use our free quote comparison tool to compare rates from different insurance companies in your area.