IntelliDrive®

IntelliDrive is a 90-day program that uses a smartphone app to monitor your driving performance. By enrolling, you could save on your car insurance policy’s first term. At renewal, safe driving habits can lead to savings of up to 30%1, while riskier driving habits may result in a higher premium.2

What's Measured:

time_of_day

Time of Day - When you drive can be as important as how you drive. Avoid driving really late at night to help improve your score.

speed

Speed - High speeds mean less time to react to hazards around you.

acceleration

Acceleration - Smooth acceleration is easier on your car and good for your score.

braking

Braking - Avoid following too closely to better anticipate what other drivers are doing around you and avoid hard breaking.

distraction icon

Distraction3 – Avoid making handheld calls, texting, and any other physical interactions with your phone while driving.

  

What’s in the App:

App Dashboard – This is your home base. Quickly check your driving performance, most recent trips and see safe driving tips.

Distraction Free Streak – See how many trips you’ve completed in a row without interacting with your phone. Streaks are a fun way to challenge yourself and your family to put down your phones and reduce distracted driving.

Driving Tips – Check out articles to learn more about safe driving.

Trip Details – Get details about a specific trip, with a map that highlights where you have had an event like a hard brake, or a fast acceleration.

IntelliDrive® Frequently Asked Questions

IntelliDrive is a 90-day driving program that uses a smartphone app to capture data and score how safely you drive. New Travelers customers who enroll could save on their car insurance with a participation discount on the policy's first term. When their policy renews, safe driving habits can lead to savings of up to 30%*, while riskier driving habits can result in a higher premium.**

*In AR, ID, MD, MS, MT, NE, NJ, OK, SC, UT, VT, and WA, safe driving habits can lead to savings of up to 20%. In MA, safe driving habits can only lead to savings of up to 3%. In FL, safe driving habits can lead to savings of up to 22%. In NV, safe driving habits can lead to savings of up to 40%.

**In DC, MD, MT, and VA, riskier driving habits will not result in a higher premium.

After installing IntelliDrive on your smartphone, the app will automatically detect when you get into a vehicle and start a trip. It will collect driving information for 90 days and then determine your overall driving performance. Based on the driving performance of you and the other participating drivers on the policy, your actual adjusted car insurance rate will be reflected the first time your policy renews.

IntelliDrive captures information about driving habits associated with Braking, Acceleration, Speed, Time of Day, and Phone Use. After each trip, you can review a map of your route, and your driving performance to date. Collection of location data does not affect your auto insurance rate.

Any handheld interaction with the phone while driving is going to negatively impact your distraction score*. This includes things like in-hand phone calls, texting, typing, and tapping on the phone.

Applications that are running on your phone, but don't require you to interact with the phone, will not negatively impact the distraction score. For example, if navigation or music is running in the background and you're not engaging with it, this will not impact the distraction score.

Interacting with vehicle infotainment systems will not impact your distraction score.

*Distraction is scored and will impact overall driving performance only in AL, AZ, CO, CT, DC, FL, GA, IA, IL, IN, KS, KY, ME, MN, MO, NH, NM, NV, OH, OR, PA, TN, TX, VA, WI.

Each driver's driving performance is used to calculate your insurance premium when your policy renews. Safe driving habits can lead to savings of up to 30%*, while riskier driving habits may result in a higher premium.**

*In AR, ID, MD, MS, MT, NE, NJ, OK, SC, UT, VT, and WA, safe driving habits can lead to savings of up to 20%. In MA, safe driving habits can only lead to savings of up to 3%. In FL, safe driving habits can only lead to savings of up to 15%. In NV, safe driving habits can lead to savings of up to 40%.

**In DC, MD, MT, and VA, riskier driving habits will not result in a higher premium.

The app does its best to determine whether or not you are the driver of a vehicle. If you are a passenger and the app records you as a driver, you will have 10 days to change the information in the app.

Yes. If you are not satisfied with the IntelliDrive program for any reason, you can opt out within 45 days of enrollment with no impact other than the loss of your participation discount. Just call your agent or Travelers representative to opt out. Once you have completed 45 days, your IntelliDrive score may affect your premium at your next renewal if you have driven at least 500 miles.*

*In KS, you can opt out of the program within 90 days from enrollment with no penalty other than a loss or adjustment to your Enrollment Discount. However, if you opt out after the 90th day, your IntelliDrive policy score may affect your premium at your next renewal.

*In MT, you can opt out of the program at any time.

IntelliDrive information for enrolled drivers is available at MyTravelers.com. We also included an informational page about IntelliDrive in your new policy package.

Travelers will send a text with a link to download the app. You can also find the Travelers IntelliDrive app through the app store.

Apple iPhones 4S and above are supported, but iOS 12.2 or newer is required. All Android phones are supported, but they must contain cellular, Wi-Fi and GPS chips. Android 8 (Oreo) or newer is required.

Yes. Your mobile phone needs to be on, with location services and Wi-Fi enabled, for the IntelliDrive app to function most accurately.

Travelers will send reminder text messages to each driver that has not yet installed the app. If the app is still not installed, we may remove the driver from the program. Removing a driver would affect your enrollment discount.

You can reinstall the IntelliDrive app on a new phone by searching the app store for "IntelliDrive®" and following the same registration instructions. The 90-day program will resume where you left off.

The IntelliDrive app uses a negligible amount of battery when you're not driving and slightly more when you are taking a trip. Most users won't notice a significant battery difference after installing the IntelliDrive app.

The IntelliDrive app is also designed to minimize data usage. Data is transmitted using either WiFi or your data plan, depending on which network is available at the time of upload.

Contact us at 1.888.505.1217.