Progressive Snapshot Program Review for 2021

Progressive Snapshot is a usage-based insurance program that evaluates your driving habits for six-months through a mobile application or plug-in device. Progressive Insurance claims safe drivers save an average of $145 annually with the Snapshot discount. However, around two out of every ten users see a rate increase due to risky driving. Progressive Snapshot availability varies by state. Scroll down to learn if the Progressive Snapshot auto insurance discount is right for you.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Feb 24, 2021

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Can't-Miss Facts

  • Progressive Snapshot evaluates your driving habits for around six months and rewards you with a policy discount. According to the website, users save $145 annually on average.
  • Roughly two out of every ten users see an increase in their auto insurance rates after using Progressive Snapshot.
  • The Progressive Snapshot program features both an app and plug-in device, but it is not available in every state.

Progressive Snapshot is a usage-based insurance (UBI) program that monitors your driving techniques for around six months. Users install a small device into their cars or download a mobile application.

Progressive Insurance claims drivers save an average of $145 annually on their auto insurance rates using the Snapshot program and an additional $47 just for signing up.

Read through our Progressive Snapshot review to learn what habits get tracked and discover if this program is right for you.

Before choosing to buy Progressive Snapshot auto insurance, compare other UBI programs from reputable providers near you for free by entering your ZIP code into our quote tool above.

What is the Progressive Snapshot Program?

Snapshot by Progressive is one of the top usage-based insurance programs (UBI) on the market today.

Users receive a plug-in device or download a mobile application for their smartphone that tracks and evaluates their driving habits.

According to the Insurance Information Institute (III), Progressive created one of the first major UBI programs, paving the way for the industry.

Safe drivers receive a policy discount. However, risky drivers may see a rate increase.

Drivers new to Progressive can enroll and receive an affordable Progressive Snapshot auto insurance discount of up to $47 off of their policy just for signing up.

Your possible Progressive Snapshot auto insurance rates will vary. According to the company website, drivers save an average of $145 annually using the program.

However, about two out of every ten drivers see an increase in their premiums.

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How does Progressive Snapshot work?

First, enroll for the Progressive Snapshot program online using your Progressive Insurance login or when you purchase a policy.

Depending on where you live, you’ll receive a device in the mail, or you’ll need to download the Snapshot mobile application.

The program monitors all drivers on your policy for around 60 days. Be sure your Progressive login info is also up to date.

At the time of your policy renewal, you receive your discount. You’ll also get email updates about your driving progress.

Details will also be available through the Snapshot mobile app.

All drivers on your policy must actively use the Snapshot app or plug-in device.

You can opt-out of the program at any time. However, you’ll lose any potential discount.

Those enrolled more than 45 days may see a surcharge applied to their policies at the renewal period.

Call 1-877-329-7283 to enroll in the program or sign up at the time you purchase a policy.

You can also try Snapshot without being a Progressive customer through the Snapshot Road Test program for free.

What driving habits does Progressive Snapshot track?

Progressive Snapshot monitors four essential driving habits.

  • Braking and acceleration: Avoid slamming your brakes or accelerating too quickly to help your score.
  • Nighttime driving: Driving between midnight and 4 am will lower your score.
  • Driving distance: The less you drive, the better your score will be.
  • Phone use: If using the mobile application, avoid touching your phone screen while driving or you risk lowering your score.

The data collected will be treated as application information under Progressive’s privacy policy. Progressive can use it for claims and rating purposes.

Progressive also uses your data for research and development. In other words, your privacy is not fully protected.

Is Progressive Snapshot worth it?

Progressive claims that Snapshot is excellent for folks who drive less than 10 miles a day on the company website.

The company also says that people who drive vehicles not on their personal policy should not enroll; this includes people who often drive for work.

If you’re worried about your data and personal privacy, the Snapshot program is also not for you.

However, people who drive very little with perfect driving histories may benefit from the Snapshot program.

Snapshot is just one of many telematics programs on the market today.

Before pursuing the Progressive Snapshot auto insurance discount, enter your ZIP code into our free quote tool below and receive rates from reputable providers near you.

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