Allstate Drivewise vs. Travelers IntelliDrive: Which Service Is the Best (2024)
Discover the in-depth comparison of Allstate Drivewise and Travelers IntelliDrive, exploring benefits, discounts, user experiences, and coverage options to help you choose the optimal usage-based car insurance service for your needs and budget.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Sep 13, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Unlocking the puzzle of insurance rates involves a nuanced understanding of various factors, from credit scores and driving records to mileage and coverage levels. In a comprehensive analysis of Allstate Drivewise and Travelers IntelliDrive, it becomes evident that the quest for the most advantageous rates is influenced by these key variables. Our data reveals that for individuals with pristine driving records and high credit scores, Travelers IntelliDrive consistently emerges as the cost-effective choice, offering competitive rates across coverage levels. However, the dynamics shift for those with less-than-perfect records, as Allstate Drivewise takes the lead in providing more favorable rates, particularly for individuals with lower credit scores. Join us as we delve into a data-driven exploration, uncovering the nuanced interplay of factors that determine the best insurance rates tailored to your unique profile.
| Factor | Allstate | Travelers |
|---|---|---|
| Clean Record | $160 | $99 |
| 1+ Ticket | $188 | $134 |
| 1+ Accident | $225 | $139 |
| DUI | $270 | $206 |
| Poor Credit | $275 | $170 |
| Discount | Allstate | Travelers |
|---|---|---|
| Safe Driver | 15% | 23% |
| Low Mileage | 10% | 12% |
| Anti Theft | 10% | 10% |
| Paperless | 5% | 3% |
| Senior Driver | 5% | 8% |
| Good Student | 10% | 8% |
Allstate Drivewise
Pros:
-
User-Friendly Rewards System: Allstate Drivewise offers a straightforward rewards system, with a 10 percent discount upon installation and the potential to save up to 30 percent on car insurance.
Read More: Best Car Insurance -
Flexible Usage: Drivewise can be downloaded by anyone, not just Allstate members, providing accessibility to a broader audience.
-
Privacy Concerns: While some users express privacy concerns, Drivewise assures that drivers are not penalized for bad driving habits, and the average savings are around 20 percent.
Cons:
- Privacy Concerns: Despite the reassurance, some users may still feel uncomfortable with the privacy implications of Drivewise, as data from the device may be discoverable by third parties in accident investigations or litigation.
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Travelers IntelliDrive
Pros:
-
Competitive Rates for Safe Drivers: Travelers IntelliDrive consistently offers competitive rates for individuals with pristine driving records and high credit scores, making it a cost-effective choice for safe drivers.
-
90-Day Monitoring Period: IntelliDrive provides a comprehensive assessment of driving habits over a 90-day monitoring period, allowing for accurate determination of discount rates based on safe driving behavior.
-
Discounts Offered: While not as high as Allstate, Travelers IntelliDrive still offers a competitive discount of around 15 percent for most drivers, aligning with industry standards.
Cons:
-
Penalties for Risky Driving: Travelers IntelliDrive penalizes drivers for risky driving behaviors, potentially resulting in higher rates for those with less-than-perfect records or driving habits.
-
Limited Discount Potential: The discount offered by IntelliDrive may not be as high as some competitors, limiting the potential for significant savings.
Best Overall: Allstate Drivewise vs. Travelers IntelliDrive
After a comprehensive analysis of Allstate Drivewise and Travelers IntelliDrive, the data suggests that Allstate Drivewise emerges as the superior choice when considering various factors. While both insurance programs offer usage-based car insurance with their respective merits, Drivewise stands out as the better overall option.
Competitive Savings for All Drivers: Allstate Drivewise provides a user-friendly rewards system, offering a 10 percent discount upon installation and the potential for up to 30 percent savings on car insurance. This flexibility caters to a wide range of drivers, making it an appealing option for both safe and less-than-perfect drivers.
Accessible to a Broader Audience: Drivewise’s inclusivity allows it to be downloaded by anyone, not just Allstate members. This feature enhances accessibility and widens the pool of potential users, making it a more versatile option.
Privacy Concerns Mitigated: While privacy concerns exist with both programs, Drivewise’s terms explicitly state that users are not penalized for bad driving habits, easing potential privacy-related apprehensions. The average savings of around 20 percent without penalties contribute to a positive user experience.
Transparent Rewards System: Drivewise’s rewards system is transparent, providing drivers with a clear understanding of how their driving habits impact their insurance rates. This transparency fosters trust and helps users make informed decisions about their coverage.
While Travelers IntelliDrive offers certain advantages, the overall package presented by Allstate Drivewise positions it as the better option for individuals seeking a usage-based car insurance program that balances savings and user-friendly features.
What Is Travelers Intellidrive?
Travelers IntelliDrive is newer to the usage-based insurance discount game. In 2017, Travelers came out with a different approach to the telematics-calculating rates by not including miles driven — which is marked against drivers in the Allstate Drivewise app.
IntelliDrive is available to each driver on the policy. You can view your account through your Travelers IntelliDrive login and monitor your habits as well.
How does Intellidrive work?
What does Travelers Intellidrive record? Travelers IntelliDrive measures four habits:
- Rapid changes in speed
- Harsh braking
- Time of day
- Rate of acceleration
IntelliDrive monitors drivers for 90 days, then it uses that data to measure your driving habits and determine your discount rate. If you tend to have riskier driving habits, you will have higher rates. If you employ safe driving habits, your rates will be lower. Based on the driving performance, your adjusted usage-based insurance rate will be reflected on your policy renewal date.
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What Is Drivewise From Allstate?
Allstate Drivewise measures driving skills and behaviors then rewards good drivers with discounted rates and cash-back rewards. After the Allstate Drivewise installation which can either be a literal plugin installation or a downloadable app drivers automatically get a 10 percent discount. It’s said to help drivers save up to 30 percent on car insurance. Drivewise can be downloaded by anyone, not just Allstate members.
How does Drivewise work?
Through the app Drivewise allows you to collect rewards or drive performance cash rewards after you’ve collected points for safe driving.
Drivewise monitors:
- Driving at safe speeds
- Not slamming on the brakes
- No late-night driving
The mobile app detects when you’re driving by using your phone’s location service, so your phone needs to be at least 25 percent charged. Drivewise detects motion when you’ve traveled more than 20 miles per hour for a short distance. Before we learn about usage-based car insurance, lets answer a few more questions:
Can Allstate Drivewise raise your rates? No
Does phone activity affect Drivewise? Yes. Screen time while driving is risky behavior and will lower your score.
Which Is Better, Travelers IntelliDrive vs. Allstate Drivewise?
If you’re looking to sign-up for a usage-based car insurance company, you may find that these two programs offer similar benefits. However, Allstate comes out on top.
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Is Allstate Drivewise worth it?
Drivers aren’t penalized for their bad driving habits, so the app doesn’t pose any risk to you. Though, drivers shouldn’t expect to reach the maximum discount. The average savings are about 20 percent.
Other Drivewise reviews claim that they feel the app violates their privacy. While it can’t track where you drive, Allstate’s Drivewise terms of use do say that “Data from the device may be deemed discoverable by third parties and used in an accident investigation and⁄or litigation.” You will save money using Drivewise, at least a little bit. Allstate offers a 10 percent discount just for signing up. It could be worth a shot.
How does the Travelers program stack up?
When compared to not only Allstate Drivewise but to other usage-based car insurance companies, Travelers isn’t impressive. Unlike Drivewise, Travelers will penalize drivers for their risky driving behaviors. Travelers also doesn’t offer as high a discount as Allstate. However, most drivers receive 15 percent with Travelers IntelliDrive, which is comparable to Drivewise.
Read more: Travelers Car Insurance Discounts
Do Your Research on Savings Programs
Good drivers are usually rewarded in the insurance world, so don’t miss an opportunity to save money. If you’re one of those safe drivers, you may want to consider purchasing a usage-based insurance policy. Affordable usage-based insurance is offered by insurance providers nationwide as a way to give you some control over your policy and save you money since so many factors affect car insurance quotes!
After you’ve decided which discount you want, Allstate Drivewise or Travelers IntelliDrive, use our free comparison tool to find a local agent.
Enter your ZIP code to find usage-based car insurance quotes.
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Frequently Asked Questions
What is Allstate Drivewise?
Allstate Drivewise is a telematics-based car insurance program offered by Allstate that uses an app and a small device to track your driving habits and reward safe driving behavior with discounts on your car insurance premiums.
What is Travelers IntelliDrive?
Travelers IntelliDrive is a usage-based insurance program offered by Travelers that also tracks your driving habits through an app and provides discounts on your car insurance premiums based on your safe driving behavior.
How do Allstate Drivewise and Travelers IntelliDrive work?
Both Allstate Drivewise and Travelers IntelliDrive use an app and a small device to track your driving habits, including speed, acceleration, braking, and time of day. The programs then use this data to calculate a discount on your car insurance premiums based on your safe driving behavior.
How much can you save with Allstate Drivewise and Travelers IntelliDrive?
The amount you can save with Allstate Drivewise and Travelers IntelliDrive varies based on your driving habits and the discounts offered by the insurance company. Typically, drivers can save up to 10-15% on their car insurance premiums with these programs.
Do Allstate Drivewise and Travelers IntelliDrive track location?
Yes, both Allstate Drivewise and Travelers IntelliDrive track location to determine if you are driving in a safe area or if you frequently drive in high-risk areas.
Can Allstate Drivewise and Travelers IntelliDrive raise your insurance rates?
No, Allstate Drivewise and Travelers IntelliDrive cannot raise your insurance rates. They can only provide discounts based on your safe driving behavior.
How do Allstate Drivewise and Travelers IntelliDrive compare to traditional car insurance?
Allstate Drivewise and Travelers IntelliDrive offer a more personalized and flexible approach to car insurance that rewards safe driving behavior. Traditional car insurance rates are typically based on factors such as age, gender, and location, and do not take into account individual driving habits.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.