IntelliDrivePlusTM
IntelliDrivePlusTM is a continuous driving program available in select states** that uses a smartphone app to capture driving behavior and miles driven data; and adjusts your rate every policy term based on how and how much you drive.
By enrolling, new customers could save up to 12% on their car insurance policy’s first term. At renewal, safe driving habits can lead to savings of up to 30%, plus additional savings potential for lower mileage. Note that riskier driving habits and higher mileage can lead to higher premiums.
More Control Over What You Pay
When you choose Travelers auto insurance with IntelliDrivePlus, you are opting for a more personalized approach to auto insurance where safe driving behavior and low mileage could lead to meaningful savings on your auto insurance.***
Savings potential with IntelliDrivePlus includes:
- Enrollment discount of up to 12% for the first policy term.
- Up to 30% savings at renewals for safe driving behavior.***
- Even more savings potential if you are a low-mileage driver or drive less over time.***
- Additional savings of up to 5% each policy term with our Digital Auto Discount.****
How IntelliDrivePlus Works
Travelers understands that your driving continues to evolve with your ever-changing lifestyle. With IntelliDrivePlus, you can have car insurance that keeps pace with those changes. IntelliDrivePlus leverages the IntelliDrive® smartphone app to collect information about your miles driven and driving behaviors associated with Braking, Acceleration, Speed, Time of Day and Distraction. IntelliDrivePlus uses the information gathered in the app to offer objective feedback to help you drive more safely.
IntelliDrivePlus Driving Tips
Braking - Leave enough space between your car and the car in front of you to help give you time to react safely.
Acceleration – Gradually accelerate to make it easier to maneuver safely.
Speed – Lower your speed for more time to react.
Time of Day – Whenever possible, avoid driving during peak traffic hours and really late at night when the risk of accidents is higher.
Distraction – Keep your attention on the road.
Mileage – Drive fewer miles to decrease your risk of an accident.
Ready to have more control over how much you pay for your car insurance? Contact your local independent agent or Travelers representative to get a quote today.
**IntelliDrivePlus is currently available in three states: Arkansas, Nebraska and Ohio.
***Savings potential with IntelliDrivePlus will vary based on driving behavior score and calculated mileage. Riskier driving behaviors may result in a premium increase of up to 30%, and higher calculated miles than the previous term may also result in higher premiums.
****To maintain the Digital Auto Discount, customers must download and enroll in the IntelliDrive app, register for MyTravelers® and choose paperless delivery for their policies and bills. Failure to meet these requirements will result in the removal of the Digital Auto Discount.
IntelliDrivePlus Frequently Asked Questions
IntelliDrivePlus is a continuous driving program that uses a smartphone app to capture driving behavior and miles driven data and adjusts your rate every policy term based on how and how much you drive. New Travelers customers who enroll could save on car insurance with an enrollment discount on the policy’s first term. When the policy renews, safe driving behaviors can lead to savings of up to 30%, plus additional savings potential for lower mileage – while riskier driving and higher mileage can lead to higher premiums.
IntelliDrivePlus is available in three states: Arkansas, Nebraska and Ohio.
After installing the IntelliDrive app on your smartphone, the app will automatically detect when you get into a vehicle and start a trip. The app will collect driving behavior and miles driven data for all drivers over the life of your policy. Your most recent driving performance and miles driven, and that of other enrolled drivers on your policy, will be used to adjust your insurance rate every time your policy renews. All eligible drivers on your policy must enroll in the IntelliDrivePlus program.
IntelliDrivePlus is designed to be more responsive to changes in how and how much you drive over time. It gives you even more control over your insurance costs. If your driving continues to improve and/or if you drive less, you may be able to have an even bigger impact on your savings over time.
IntelliDrivePlus captures information about your miles driven and driving behaviors associated with Braking, Acceleration, Speed, Time of Day and Distraction. A map of your route taken during each trip, along with your driving performance to date, is available for review after each trip. Location information collected in the app is not used to determine your auto insurance rate.
Each driver’s total miles driven and most recent driving performance is used to calculate your insurance premium every time your policy renews. Safe driving habits can lead to savings of up to 30%, plus additional savings potential for lower mileage – while riskier driving and higher mileage can lead to higher premiums.
Yes, each driver’s app needs to capture at least 500 miles of driving during each driving performance assessment period. In addition, each driver’s app needs to be on with permissions appropriately enabled for at least half of each miles driven assessment period.
You can view the performance tab in the IntelliDrive app, which includes current driving performance information for all drivers on your policy. The Named Insured can log into their policy account on MyTravelers.com to view current driving performance and app status for all drivers.
If the app is not installed, Travelers will send reminder text messages to each driver who needs to install it. If the app is still not installed, we may remove all drivers from the program. Removing all drivers would affect your policy premium as your IntelliDrivePlus enrollment discount will be removed.
If the app isn’t able to capture a sufficient amount of information for one or more of the drivers on your policy, we may not be able to use anyone’s mileage to price your policy at renewal. We also may not be able to use that driver’s driving behavior data to determine your policy’s price at renewal.
Yes. If you are not satisfied with the IntelliDrivePlus program for any reason, you may opt-out of the program within 45 days of enrollment without impact to your policy, other than the loss of the enrollment discount. After 45 days from enrollment, driving behavior and miles driven data from all drivers may affect your policy’s premium at renewal.
IntelliDrivePlus information for enrolled drivers can be found at MyTravelers.com. We also include an informational page about IntelliDrivePlus in your new policy package.
Any handheld interaction with your smartphone while driving will negatively impact your distraction score. This includes physical interactions like in-hand phone calls, texting, typing and tapping on the phone.
However, applications that are running on your phone but don’t require interaction will not negatively impact the distraction score; for example, navigation or music running in the background that you’re not engaging with.
Interacting with vehicle infotainment systems, including phone calls from a connected Bluetooth device, will not negatively impact your distraction score.
GPS must be turned on, and location services must be enabled for the app to capture trips. To check if your app has location services enabled on an iPhone, go to Settings>Privacy>Location Services and ensure that the IntelliDrive app is set to “Always Allow.”
To check if your app has location services enabled on an Android, go to Location settings and make sure IntelliDrive is excluded in your phone’s power saving mode and battery optimization settings.
Yes. For the IntelliDrive app to function most accurately, your mobile phone needs to be on, with location services and Wi-Fi enabled.
The app does its best to tell whether or not you are the driver of a vehicle. If you are a passenger and the app incorrectly records you as a driver, you have 10 days to change the information in the app.
To correct a trip within the app, go to More>Trips, select the trip that needs to be adjusted, click “I was the driver,” and change to “I was the passenger.”
Each enrolled driver on your policy should download the app from a link Travelers sends them in a text message. The IntelliDrive app is also available through the app store.
The IntelliDrive app is supported on Apple iPhones 4S and above, but iOS 12.2 or newer is required. All Android phones are also supported, but they must contain cellular, Wi-Fi and GPS chips. Android 8 (Oreo) or newer is required.
To reinstall the IntelliDrive app on a new phone, you can search the app store for “IntelliDrive” and follow the same registration instructions. The IntelliDrivePlus program will resume where you left off.
The IntelliDrive app uses a minimal amount of battery when you’re not driving and slightly more when during a trip. The majority of users won't notice a significant battery difference after installing the IntelliDrive app. The app is also designed to minimize data usage. Data is transmitted using either Wi-Fi or your data plan, depending on which network is available at the time of upload.
There are a few differences between IntelliDrivePlus and IntelliDrive. Mainly: IntelliDrivePlus is a continuous driving program, while IntelliDrive is a 90-day program – both of which use a smartphone app. IntelliDrivePlus captures driving behavior and miles driven and adjusts a customer’s car insurance premium every policy term based on how and how much they drive. IntelliDrive captures driving behavior and adjusts a customer’s car insurance premium for the life of the policy.
Enrollment discount for IntelliDrivePlus is up to 12%; enrollment discount for IntelliDrive is up to 10%. Both programs collect data related to Time of Day, Speed, Acceleration, Braking and Distraction. In addition, IntelliDrivePlus collects Mileage.
For full comparison, review and compare IntelliDrivePlus FAQs here with IntelliDrive FAQS.
Contact us at 1-866-500-9711.
Tools & Resources
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