Leveraging Telematics to Encourage Safe Driving

Our IntelliDrive^® mobile-app telematics program allows customers to better understand their driving habits by collecting and assessing data on behaviors such as hard braking, rapid acceleration, speed, the time of day customers drive and distracted driving. Through this 90-day program, customers can influence their auto insurance price based on their driving habits. In most states, safe drivers 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%, in most states, just for participating.

The IntelliDrive program, which was originally launched in 2017, is now available in 43 states and Canada. In 2020, Travelers introduced a number of significant enhancements to IntelliDrive. These changes included a completely redesigned IntelliDrive mobile app experience, based on agent and consumer feedback, which allows customers to more easily monitor driving performance on a newly enhanced dashboard, challenges drivers to put their phones down while driving with the new “Distraction-Free Streak” and gives users information on ways to be a safer driver. We introduced distracted driving as an additional scoring variable, thereby encouraging drivers to limit phone use when driving, and provide drivers with relevant content from the Every Second Matters campaign (see Related Resources). These changes, as well as an increased discount for enrolling and the potential for greater savings for safe driving, have helped to increase the IntelliDrive adoption rate.

Building on the success of the IntelliDrive program, in 2021 Travelers introduced IntelliDrivePlus™ in three states. IntelliDrivePlus is a continuous driving program that uses a smartphone app to capture data relating to driving behavior and miles driven and adjusts a customer’s rate based on 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.

Leveraging telematics has been impactful for both our company and our customers. Our telematics program allows us to attract and retain safer drivers, more accurately price for higher-risk drivers and increase engagement with our customers. At the same time, participating in a telematics program gives customers the opportunity to influence their premiums while also obtaining real-time feedback and tips on safe driving.

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 Webinar: The Art and Science of Behavior Change
• Travelers Institute Webinar: An Inside Look at IntelliDrive, Travelers’ Telematics Program to Encourage Safer Driving Behaviors