Leveraging Telematics to Encourage Safe Driving

Through consistent feedback and educational tips, our customers can better understand their driving habits by participating in our IntelliDrive® telematics program. They also have the opportunity to influence their auto insurance premium based on the app’s assessment of hard braking, rapid acceleration, speed, time of day and distracted driving.

Introduced in 2017, the IntelliDrive mobile app is now available in 43 U.S. states and Canada. In most states:

• Customers with safe driving behaviors can see savings of up to 30% on their auto premiums at renewal, while riskier driving habits may result in a higher premium.
• New customers who enroll in the program can receive savings of up to 10% for their first term just for participating.

In 2021, Travelers built on IntelliDrive’s success and launched IntelliDrivePlus^SM in three states. IntelliDrivePlus is a continuous driving program that uses a smartphone app to capture data on driving behavior and miles driven. It then adjusts a customer’s rate based on how – and how much – they 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 for lower mileage, while riskier driving and higher mileage could lead to higher premiums.

In 2022, we continued to evolve our IntelliDrive program by introducing IntelliDrive via connected vehicles. Available in three states, this new offering:

• Enables eligible connected vehicles to capture driving data beginning from the point of sale, rather than requiring participation through a mobile app.
• Gives customers the opportunity to realize the full benefit of their safe driving immediately, while increasing premiums for riskier drivers up front, as well.

Making an Impact

Leveraging telematics has been impactful for both our company and our customers. Our telematics programs allows us to attract and retain safer drivers, more accurately price for higher-risk drivers and increase customer engagement.

Participating in a mobile-app telematics program also gives customers the opportunity to influence their premiums by obtaining real-time feedback and tips on safe driving. For example, customers can easily monitor a driving performance dashboard in the app which measures “Distraction-Free Streaks,” and encourages them to limit phone use while driving. The app also provides drivers with relevant content from Every Second Matters^®, our distracted driving education campaign.

• Click here to learn more about IntelliDrive.
• Click here to learn more about IntelliDrivePlus.

Related Resources

• Travelers Institute^® Every Second Matters Distracted Driving Campaign
• Travelers Institute^® Educational Guide: Every Second Matters: Reducing Distracted Driving, One Voice at a Time
• Travelers Institute^® Webinar: How’s My Driving? Telematics and the Insurance Experience