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 members to be a safer driver 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: Jul 15, 2021

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A Concise Overview

  • Progressive Snapshot is a free usage-based insurance program
  • Snapshot allows Progressive insurance 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 greater the potential discounts 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).

This usage-based insurance program allows Progressive customers to earn a discount on their auto insurance premium through safe driving.

The program uses a Snapshot device or mobile app to track specific driving behaviors tied to increased driving risk and provides you tips on how to avoid them. It continuously provides real-time feedback so you can correct behaviors as you go. 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 an initial discount. After that, your insurance discounts are 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 bad driving habits is tracked over the course of your policy period.

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

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What driving behaviors does Progressive Snapshot monitor?

Progressive Snapshot can be run through a plug-in tracking device or a mobile app. It monitors the following aspects of actual driving:

  • Driving at night
  • Mileage (Low-mileage drivers present a lower risk. Progressive Snapshot takes into account both length and days of driving)
  • Hard braking (Things like rapid acceleration or distracted driving can lead to hard braking and accidents. Moderate speeds, defensive driving, and other safe driving habits minimize hard braking)
  • Quick accelerations
  • Distracted driving (If your app is on your cell phone, it’s easy to see how it could monitor distracted driving. Snapshot looks at a bigger picture of behaviors to properly assess the bigger picture)

Safer driving depends on many factors, but these factors play into your everyday risk. Distracted driving, in particular, 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 keep your information as accurate as possible. When used properly, Snapshot aims to help drivers reduce their risk by improving driving skills.

Is Snapshot Mobile from Progressive Worth It?

There are very few downsides to adding Snapshot to your personal auto insurance policy for driver discounts. If you are a risky driver, Progressive does mention your policy premiums may increase. You can improve your behaviors for a sizable discount over time. Not all high-risk driving behaviors are as obvious as you might think. So there is an adjustment period. The good news is customer service representatives are there to help with the learning curve. You also have the benefit of the policy period to correct any poor driving behaviors with help from your app. If you’re not paying attention early on, the rate at renewal may come as a bit of a shock.

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 and the long term by lowering your risk of increased rates associated with Progressive claims.

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.

Not interested in Progressive Snapshot? To find a new provider, enter your ZIP code below. Our insurance specialists have made auto insurance shopping online easy by connecting you to multiple service providers with minimal effort.

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