Progressive Snapshot Review for 2021

Progressive Snapshot is a free usage-based insurance program offered to all Progressive auto insurance customers. Snapshot is designed to encourage safer driving by allowing customers to earn a discount based on their driving habits. The Snapshot app tracks driving behaviors like speeding and distracted driving and provides tips to help customers earn a larger discount over time.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: May 2, 2021

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A Concise Overview

  • Progressive Snapshot is a free usage-based insurance program
  • Snapshot allows customers to earn a discount on their auto insurance
  • The Snapshot app or plug-in device tracks driving behaviors and provides tips to avoid or correct bad habits
  • The safer you drive, the larger a discount you can earn

If you are a Progressive auto insurance member, regardless of what type of auto insurance coverage you have, there is another great way to save: Progressive Snapshot (also known as Snapshot Progressive by some).

This usage-based insurance program allows you to earn a discount on your auto insurance policy just by driving safely.

The program uses an app to track specific driving behaviors tied to increased risk of car crashes and provides you tips on how to avoid them. Keep reading to learn more about how this program works and how you can enroll and start saving today.

Are you more interested in shopping for affordable insurance than earning a discount? Before learning more about Progressive Snapshot, enter your ZIP code above, and we can help you find a provider that fits your budget.

How does Progressive Snapshot save me money?

When you sign up for the Snapshot program, you get a sign-on bonus. After that, your discount is calculated by the information gathered by the Snapshot app or plug-in device.

Snapshot uses this app or OBD (On Board Diagnostic) tool to track specific driving behaviors. How often you engage in what is considered bad driving habits is tracked over the course of your policy period.

At the end of this time, you will get an overall score which is then used to determine your discount. To help you earn a better discount, the app will provide tips and let you see how you progress throughout the month.

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What driving behaviors does Snapshot monitor?

Progressive Snapshot monitors:

Each of these behaviors is tied to an increased risk of serious car accidents. Particularly distracted driving is a factor in 14% of car crashes, according to the National Highway Traffic Safety Administration.

The app also provides you an option to note when you are not the driver to help keep your information as accurate as possible.

Is Snapshot from Progressive worth it?

There are very few downsides to adding Snapshot to your personal auto insurance policy from Progressive. If you are a risky driver, Progressive does mention that you have the potential to raise your rates month over month.

However, as we covered before, these behaviors are monitored by Snapshot because they can put you at risk of getting into an accident.

In addition, you have the length of your policy period to correct the behaviors with the app’s help.

Not improving your driving in that time puts you at a higher risk of getting into an accident, which is far more serious than the risk of a rise in your rates.

Taking the time to improve your driving habits will save you money in the short term of your policy and in the long term, hopefully lowering your risk of being in a serious car accident.

In short, you have nothing to lose by adding Snapshot to your personal policy, and every chance that you may start to see a reduction in your monthly rates from Progressive, so why not sign up for this free program?

Not interested in Progressive Snapshot? To find a new provider, enter your ZIP code below, and we will help you start comparison shopping for auto insurance providers today.

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