Written by
Kayla Jane Barrie
Updated on September 11, 2025
min read
Enroll in the IntelliDrive program and get rewarded for driving safe
The IntelliDrive app from Travelers Canada is a 90-day day program that allows drivers to get rewarded for driving safely. IntelliDrive is a usage based insurance program that helps you save on your policy after the 90-day assessment period.
With potential savings of up to 30%, IntelliDrive can help offset Ontario's high average annual car insurance cost of $2,006. New Travelers customers receive a one-time 10% enrollment discount just for signing up.
The top 3 things to know about IntelliDrive
Save up to 30% when you sign up for IntelliDrive.
The average rate for IntelliDrive in 2025 is $2,631 for drivers in Ontario.
Location matters. While Brampton drivers pay an average of $3,333 annually ($278 monthly) for IntelliDrive car insurance, drivers in Ottawa and Hamilton may find rates as low as $180 per month.
IntelliDrive is a usage based insurance program offered by Travelers Insurance. It is different from other usage based insurance programs because it only assesses your driving for a 90-day period and scores you based on how safely you drive. It uses a smartphone app to track your driving data and monitor your performance.
Your IntelliDrive driving performance over 90 days influences your insurance renewal premium. Safe driving could save you up to 30%, while riskier driving may increase your premium by up to 10%. This reflects the lower claims risk associated with safe driving habits.
IntelliDrive tracks your driving habits (braking, acceleration, speed, time of day, and phone use), providing post-trip route maps and performance summaries. Your location data is collected, but this will not impact your auto insurance.
How does IntelliDrive work?
IntelliDrive is a 90-day program that uses your smartphone to monitor your driving behaviours. Here is a breakdown of how it works:
Install the Travelers IntelliDrive app on your smartphone.
The app will detect when you enter the vehicle and start driving.
You will need to have your location data and Wi-fi turned on.
After each trip, you can look at your stats to see how you performed. You can identify areas to improve to increase your driving score.
The app will collect your driving data for 90-days.
You need to drive at least 800 kilometres during the 90-day period to complete the driving evaluation.
After the 90-day period, it will score your overall driving performance.
Based on your score, your insurance rates will be adjusted.
The discount will apply when your policy renews.
If you are a passenger and the app records you as a driver, you have 10 days to update the information in the app.
How much does insurance cost with IntelliDrive?
IntelliDrive insurance costs $2,631 in 2025. When comparing UBI programs, your driving habits, record, location, and any past infractions significantly impact your premium. Safe driving is crucial not only for lower insurance costs but also for the safety of yourself and others on the road.
IntelliDrive rates per year
The average rate for IntelliDrive in 2025 is $2,631 for drivers in Ontario, by comparing data for IntelliDrive quotes from 2022-2025 for drivers with a full G licence and clean record.
Year
Average annual premium
2025
$2,631
2024
$2,591
2023
$2,658
2022
$2,392
Average rate (2022-2025)
$2,568
**
IntelliDrive rates for driver types in Ontario
Drivers in Ontario with a clean driving record and full G licence pay on average $2,594 ($216) per month for insurance with IntelliDrive.
Premium
Monthly
Driver type
All drivers
$2,594
$216
Young drivers (25 and under)
$2,743
$229
Middle age (26 - 50)
$2,750
$229
Mature/senior drivers (50+)
$2,264
$189
High risk drivers
$3,930
$328
Demographics
Male
$2,699
$225
Female
$2,396
$200
Married
$2,611
$218
Single
$2,606
$217
Driving record
Clean driving record
$2,594
$216
1 ticket within the past 3 years
$3,086
$257
1 accident in 3 years
$3,072
$256
1 cancellation in 3 years
$2,643
$220
1 suspension in 3 years
$2,602
$217
**
IntelliDrive rates per city
Brampton drivers pay $3,333 yearly ($278 per month) for coverage with IntelliDrive, the highest rates in the province. Drivers in Ottawa and Hamilton can see rates as low as $180 per month.
City
Avg Premium
Monthly
Ontario
$2,594
$216
Toronto
$2,852
$238
Ottawa
$2,156
$180
Hamilton
$2,156
$180
Mississauga
$2,736
$228
Kitchener
$2,479
$207
Brampton
$3,333
$278
Guelph
$2,481
$207
Markham
$3,047
$254
Barrie
$2,484
$207
Oshawa
$2,924
$244
Burlington
$2,552
$213
St. Catharines
$2,612
$218
Newmarket
$2,361
$197
Richmond Hill
$2,611
$218
Milton
$2,636
$220
Cambridge
$2,552
$213
Oakville
$2,223
$185
Ajax
$3,471
$289
North York
$3,218
$268
**
How to get Travelers IntelliDrive
Start by getting a quote for IntelliDrive and compare it against other top providers. If you like the price we'll get you insured quickly and enrolled in the Travelers IntelliDrive program.
1) Start your quote
Enter your postal code and some basic information.
2) Enter your driving details
Provide your driving and vehicle information.
3) Compare quotes
See rates from the leading insurers.
Choose your policy
Confirm the details with our experts and get insured.
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Web Customer Service Broker
He is the best advisor I ever talked to in my last 7 years of experience. He reviewed my policies and helped me correct some errors which has decreased my premium to almost half. He helped me understand how to read our policy correctly and went over different clauses in detail while deciding on buying a new car etc. I wish there was a way to go and personally meet him as I am going through a rough patch and all the help he has given me in the last month on multiple matters is just amazing. He is actually doing his job and seems like he loves it. Thanks Anuraag Jassal.
Pina Battaglia
2025-08-06
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2025-08-05
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2025-08-02
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2025-07-31
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2025-07-27
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I have been dealing with ThinkInsure since I was a student in post secondary & they’ve always done their best to make sure I had an affordable policy. If you want an insurance broker who actually goes the “extra mile” & doesn’t simply brush you off as another sales lead, I’d look no further. They’ve got my business for the foreseeable future 🤘🏻
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What driving data does IntelliDrive measure?
There are five main things the IntelliDrive app tracks about your driving behaviours. They are:
When you drive: They track the time of day you drive. You can get a higher score by not driving late at night.
Acceleration: Slow and smooth acceleration is safer than sudden acceleration.
Braking: Avoid hard braking. Don’t follow other vehicles too closely. Always pay attention to your surroundings to give yourself more space and time to brake.
Distractions: Avoid Distracted driving. Don’t make handheld calls, avoid texting, and don’t use your phone when behind the wheel.
If you score well in these areas, you will have a greater chance of receiving a greater car insurance discount.
What types of phone use will lower my IntelliDrive score?
Using your phone while driving (e.g., calling, texting, typing) negatively impacts your distraction score. Hands-free calls and passively running apps (like navigation or music) do not. Using the vehicle's infotainment system also has no impact.
How do I get the IntelliDrive app?
You can download the IntelliDrive app on your iPhone and Android smartphone. When you sign up for the program, you will receive a text link from Travelers that sends you to the app download page.
IntelliDrive supports iPhones 4S and later (iOS 11.0 or higher) and Android phones (Marshmallow or higher) with cellular, Wi-Fi, and GPS capabilities. And don’t worry about your phone battery. The app was designed to use minimal battery power, so it can monitor your driving for extended periods of time without affecting your battery.
How much does IntelliDrive cost to sign up?
There is no cost for you to sign up for the IntelliDrive program. If you are an existing Travelers customer, you can sign up anytime. Existing Travelers customers do not qualify for the automatic 10% discount. Upon completion of the program, you could save up to 30% off your premiums. Speak with our insurance experts today to see if you are a good candidate. Or get more information about IntelliDrive on the Travelers Canada website.
Get a car insurance quote today with ThinkInsure for IntelliDrive and see how much you could save!
When should I complete the 90-day IntelliDrive program?
Travelers recommended you start the IntelliDrive program about six months before your policy is set to renew. This will allow you enough time to complete the evaluation period before your renewal documents are sent out. You’ll be able to capitalize on the discounts based on your recent driving habits and not have to wait another year for your policy to renew.
What’s included in the IntelliDrive app?
The IntelliDrive app is your home base for checking your driving habits and learning more about safe driving tips. Here’s an overview of what is included:
Dashboard: Quickly check your driving performance and your most recent trips. Safe driving tips will be provided.
Distraction free streak: See how many trips you’ve completed in a row without interacting with your phone.
Safe driving tips: Browse articles to learn more about safe driving.
Driving and trip details: Get details about specific trips, with a map that highlights where you have had an event, such as a hard brake, or a fast acceleration.
Get a quote for IntelliDrive
Compare quotes and see how much you could save on your insurance with Travelers IntelliDrive.
You may opt out of IntelliDrive within 60 days of receiving your initial enrollment text message (losing any applicable 2.5% - 10% discount). If you don't opt out within 60 days, your driving data will be used to calculate your renewal premium. Contact your broker or Travelers Canada to opt out.
What happens if I don’t enroll or complete an IntelliDrive driving evaluation?
For optimal renewal discounts, all policyholders should enroll in IntelliDrive, download the app, and drive 800 km within 90 days. Incomplete participation results in a neutral rating—neither discount nor surcharge—reducing the overall policy discount because scores are averaged. Opting out within 60 days also results in a neutral rating. To retain the new customer enrollment discount, at least one driver must meet the 800 km requirement; otherwise, the discount is removed.
Travelers IntelliDrive FAQs
Taking part in the IntelliDrive program can be very beneficial if you are a safe driver. Saving up to 30% on your insurance rates can significantly reduce your monthly payment when your policy renews. For example, if your insurance premiums were $2,000 annually. You could save up to $600 on your next policy if you receive the full 30% discount.
Once the app is installed on your phone, it will automatically sense when you get into your vehicle and start driving. The app has the ability to know the difference between you driving the vehicle and being a passenger. If you have multiple drivers on your policy, their actions can influence your driving score. So, consider this if you share your car with a spouse, child, or family member.
There is always the risk that your premiums could increase based on your IntelliDrive score. If you engage in poor driving habits, it's possible for you to see an increase of up to 10%.
The app uses three main actions to classify a distracted action by drivers. They are:
Texting and typing while the car is being operated
Using apps
Using your phone by tapping, swiping, scrolling
Each time you engage in these activities, it will be noted by the app and it could negatively affect your score.
The IntelliDrive app is only available in Ontario. Drivers only have the opportunity to save if they have Ontario car insurance and live in the province.
Get the IntelliDrive app and save
Drive safe and save up to 30% on your next policy by participating in the IntelliDrive program. Contact our insurance experts today to see if this program is ideal for you.
* Based on the difference between the average lowest premium and the overall average premium for estimates completed from January 1, 2024, to April 15, 2025, for drivers with a clean driving record.
** Estimated prices are based on data entered by drivers with a clean driving record on ThinkInsure.ca from January 1, 2024, to April 15, 2025.
*** Customer quotes data entered for each year by drivers with a clean record from Ontario and G licence.
Kayla-Jane has been a content writer with ThinkInsure since 2020. She creates insurance content for auto, home, and commercial. Kayla-Jane has a diploma in Journalism.
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