IntelliDrive^®: 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^® smartphone-based telematics programs. They also have the opportunity to influence their auto insurance premium based on their driving behaviors.

Introduced in 2017, IntelliDrive is a 90-day program available in 39 states and Canada. In most locations:

• New customers who enroll in the program can receive savings of up to 10% for their first term just for participating.
• Customers with safer 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.

In 2024, Travelers built on IntelliDrive’s success and launched IntelliDrive 365 in four states. Throughout the life of the policy, IntelliDrive 365 will evaluate certain driving behaviors, provide positive reinforcement for safer driving behaviors and offer tips on how to improve based on personalized driving data. By enrolling, new customers can save up to 10% on their policy’s first term, with an enrollment participation discount, and up to 2% when the policy is renewed if eligible drivers continue to participate in the program. In addition, customers could save up to 35% at renewal for safe driving behaviors, while riskier driving behaviors will result in a higher premium.

Making an impact

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

Participating in a smartphone-based 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 IntelliDrive 365.

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 Technology Innovations Are Improving Distracted Driving Data and Advancing Safety