Progressive Snapshot Review: Pros, Cons, & Alternatives (2024)
If you're a good driver with Progressive insurance, you could save close to $20 a month on average with Progressive Snapshot. You can also get a 10% discount just for signing up. Our Progressive Snapshot review details this insurance-based insurance program, including how it works, who's eligible, and how it compares to its competition.
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Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
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UPDATED: Oct 22, 2024
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UPDATED: Oct 22, 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.
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Pros & Cons
13,128 reviewsWith the cost of just about everything rising, drivers are looking for new ways to save money everywhere they can. More companies are offering a usage-based insurance program (UBI) to help customers save money, but not all drivers can benefit. Progressive’s usage-based insurance is Snapshot and offers a discount of up to 30%.
Progressive Snapshot is a good choice for low-mileage drivers. If you already have Progressive car insurance, Snapshot is worth considering. Read our expert review of Progressive car insurance to learn more about the Progressive Snapshot car insurance discount.
After exploring this Progressive Snapshot review, enter your ZIP code into our free online quote tool to compare rates with several insurers to find the best car insurance.
- Snapshot can help safe, low-mileage drivers save
- Snapshot customers can save an average of $19 monthly
- Non-Progressive customers can try Snapshot Road Test
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Progressive Snapshot Defined
What is Snapshot by Progressive? Snapshot is Progressive’s usage-based insurance program that encourages safe driving habits by offering cheaper rates. Signing up for Snapshot is free, and you can let Progressive track your driving with either the mobile app or a plug-in device.
You’ll earn a small discount simply for signing up for Snapshot, and Progressive offers savings of up to 30% if you drive well.
Progressive will track your driving for a period depending on your state and give you a score. Your score will determine how much of a discount you’ll receive on your insurance. Here’s an overview of Progressive Snapshot as well as Snapshot Road Test:
Progressive launched Snapshot in 2008 for its customers. Then, in 2020, it created an offshoot, Snapshot Road Test, for potential Progressive customers.
With Snapshot Road Test, you can do a 30-day trial and see if your driving habits would warrant a discount that could make your car insurance more affordable by switching to Progressive. To give you a chance to improve your outcome, you can see your driving history after 15 days.
Snapshot Road Test is similar to Root Insurance. But since Root is only for car insurance, the advantage with Snapshot Road Test is you could bundle your policies with Progressive to garner more savings.
There are several other car insurance discounts available as well that you might qualify for. The best car insurance discounts available to you will depend on your unique circumstance.
Unlike many other UBI programs, Progressive imposes surcharges for drivers with less-than-ideal driving habits. According to Progressive’s data, about 20% of Snapshot users see their rates increase after signing up.
Navigating Progressive Snapshot: Pros, Cons, and Comparisons
Rates With Progressive Snapshot
Who Is Eligible for Progressive Snapshot
Who Should Use Progressive Snapshot
The people who benefit most from Snapshot are those who regularly practice safe driving habits. If you’re prone to speeding, putting a lot of miles on your car, or getting distracted by your phone, you should probably skip Snapshot.
It’s also a good idea for low-mileage drivers. Snapshot isn’t exactly a mileage-based car insurance plan, but it does reward drivers who put fewer miles on their cars.
Drivers in New York should also carefully consider their options before signing up for Snapshot. According to state law, New Yorkers have to go through the initial driving evaluation every 36 months to stay in the program.
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If you’re interested in Snapshot, you should compare your options before signing up. Progressive is not the only company with a usage-based program, and many of its competitors offer better savings and features.
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How Progressive Snapshot Works
How does Progressive Snapshot work? When you sign up for Snapshot, you’ll have to decide between the mobile app and a plug-in device to track your driving. Each has its benefits and disadvantages, but many drivers opt for the mobile app for convenience.
If you choose the mobile app, you’ll need to make sure every driver listed on your policy participates in the program. The app does an excellent job of determining who is driving, but you can correct it if it makes a mistake.
Once you make your choice on whether to opt for Progressive Snapshot’s app or plug-in-device, you can follow the same procedure to get started. Here are details of the steps to take for the process:
Progressive Snapshot Setup Steps
| Step # | Action | Details |
|---|---|---|
| 1 | Join the program | You can join Snapshot on the Progressive website, through the app, or with help from a representative. |
| 2 | Choose your device | If you want to use the mobile app, download it on your phone. If you choose the plug-in, Progressive will mail it to you. Once you get it, plug it into your vehicle's OBD port. |
| 3 | Collect your participation discount | New customers using the mobile app should register within 45 days to receive their 5% discount. If you have the plug-in device, you’ll get your discount either after the first 45 days or after collecting 30 days' worth of data. |
| 4 | Start driving | Snapshot needs to collect driving data before it can offer you a discount. You can review your results either on the app or the website. |
| 5 | Get your savings | Once Progressive has enough data, you’ll receive your score and see how much of a discount you earned. Your performance discount replaces the participation savings, and your score will stay the same unless Progressive needs more. |
| 6 | End your tracking | After Progressive gives you a score, you no longer need to track your driving. You can delete the app or mail the device back. |
Choosing the right device for you depends on your lifestyle. The plug-in device might be right for you if you live in a household with multiple owners of a vehicle. Since it allows you to remove the device whenever you’re not driving, it gives you better control over the data Progressive collects.
How Snapshot Knows Who’s Driving
If you use the plug-in device, Progressive will track driving habits as long as it’s in the OBD port. That’s why removing the device when you’re not driving is essential to keeping your rates from being affected by someone else’s bad habits.
If you decide the mobile app is right for you, you’ll need to enroll every driver in your policy. You might also have to indicate which car your drive most often, depending on your state.
Although Progressive promises a high level of accuracy when detecting who is behind the wheel, the Snapshot app occasionally makes mistakes. If you notice an error after a drive, you can correct it in the app.
In some states, Progressive tracks driving data by phone. In others, it creates an average score using every driver on the account.
Driving Habits Progressive Snapshot Monitors
When you sign up for Progressive Snapshot, here are the following driving behaviors that the program assesses to determine the amount of your savings:
- Time of Day: The safest time to drive is when the sun is up. If you frequently drive between midnight and 6 a.m., you probably won’t save very much with Snapshot.
- Mileage: Low-mileage drivers will save more with Snapshot than those who drive more frequently. High-mileage drivers are considered riskier simply because they spend more time on the road, so they should avoid usage-based insurance programs.
- Braking and Accelerating: When you sign up for Snapshot, you should avoid quick accelerations and hard braking as much as possible.
- Speeding: Drivers who stick to posted speed limits will see higher Snapshot scores than those who frequently speed.
- Distracted Driving: Snapshot tracks cell phone use if you sign up for the mobile app. If you text or make phone calls while you drive, your Snapshot score will suffer.
Snapshot looks at a variety of driving habits to determine your overall score. If you struggle to avoid any of the above behaviors, you should probably skip signing up for Snapshot. Learn more about how insurance companies determine rates.
While other companies do not penalize bad driving behaviors, you might see your rates increase with Snapshot.
You should also be aware that the Snapshot app reserves the right to share your data with third parties for several reasons. They include to service your insurance policy, as support for insurance rates, to detect fraud, to help resolve claims, as permitted to assist law enforcement investigations, and for marketing purposes.
You’ll need to agree to this data collection before using the Snapshot app. However, you can skip much of the data collection and sharing by opting for the plug-in device.
If Snapshot Is Worth It
The only way to get the most from Progressive’s Snapshot discount is to practice safe driving habits. You should also confirm you drive less than 10,000 miles per year and don’t mind being monitored before you sign up.
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For drivers who don’t practice the safest habits, it might be better to skip Snapshot, especially since you might actually pay higher rates.
Read more: Cheapest Car Insurance for 21-Year-Old Drivers
Progressive Snapshot vs. the Competition
Before you decide if Snapshot is right for you, research other options, as most companies offer UBI, some of which with much bigger savings than Snapshot. See how Snapshot compares stacks up to the competition.
Usage-Based Auto Insurance Discount by Provider
| Insurance Company | Program Name | Device Type | Potential Savings |
|---|---|---|---|
| AAA | AAADrive | Mobile App | 30% |
| Allstate | Drivewise | Mobile App | 15% |
| American Family | KnowYourDrive | Mobile App or Plug-in | 20% |
| Esurance | DriveSense | Mobile App | 30% |
| Geico | DriveEasy | Mobile App | 20% |
| Liberty Mutual/SafeCo | RightTrack | Mobile App or Plug-in | 30% |
| MetLife | My Journey | Plug-in | 30% |
| Metromile | Metromile | Mobile App | 60% |
| Mile Auto | Mile Auto | Neither | 40% |
| Nationwide | SmartRide | Mobile App or Plug-in | 40% |
| Progressive | Snapshot | Mobile App or Plug-in | 20% |
| State Farm | Drive Safe & Save | Mobile App or Plug-in | 30% |
| The Hartford | TrueLane | Plug-in | 25% |
| Travelers | IntelliDrive | Mobile App | 20% |
| USAA | SafePilot | Mobile App | 20% |
While there are a few providers with higher discounts, including Metromile, Allstate has a respectable savings amount. It matches a few other providers and even exceeds over a half-dozen insurers.
Read more: Safeco Car Insurance Discounts
We also offer reviews of many of these usage-based car insurance programs to help you get familiar. See our Allstate Milewise review, American Family KnowYourDrive review, Farmers Signal review, Nationwide SmartRide review, Travelers Intellidrive review, and USAA SafePilot review.
Most major companies offer better potential savings than Progressive. However, Progressive’s mobile app receives high scores, and most customers recommend it.
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Progressive’s Other Discounts and How to Qualify for Them
In addition to the Snapshot discount program, Progressive offers a variety of other discounts that can help you save money on your car insurance premiums. These discounts include multi-car discount, multi-policy discount, homeowner discount, continuous insurance discount, and good student discounts. See the following details:
Progressive Average Discount Amount
| Discount | Percentage | Details |
|---|---|---|
| Automatic Payment | 5% | Setting up automatic payments from a checking account qualifies for a discount (this cannot be combined with pay-in-full discounts). |
| Continuous Insurance | 5-15% | Switching to Progressive from another insurer without any gaps or cancellations maintains longevity benefits. |
| Good Student | 10% | Students maintaining a "B" average or better, including college students and those more than 100 miles from home, qualify for this discount. |
| Homeowner | 10% | Owning a home, even if it is not insured through Progressive's network, qualifies for this discount. |
| Multi-Car | 4% | Listing more than one vehicle on a policy qualifies for a discount. |
| Multi-Policy | 5% | Having two or more policies with Progressive, such as auto and homeowners insurance, qualifies for a discount. |
| Online Quote | 7% | Obtaining a policy quote online or starting the quote online and completing it with a Progressive representative qualifies for a discount. |
| Paperless | 3% | Opting to receive documents via email and signing them online qualifies for this discount, in addition to the sign online discount. |
| Pay in Full | 10% | Paying for a six-month policy upfront qualifies for this discount. |
| Safe Driver | 31% | Maintaining no accidents or traffic violations in the past three years qualifies for a significant discount. |
| Sign Online | 8.5% | Signing documents online qualifies for a discount. |
| Snapshot Program | up to 20% | Participating in the Snapshot program, which personalizes the rate based on driving habits, qualifies for a discount. |
| Teen Driver | Varies | Adding a teen driver to the policy qualifies for a discount, with the amount varying by state and policy details. |
To qualify for these discounts, you will need to meet certain criteria. For example, to qualify for the good student car insurance discount, you must be a full-time student under the age of 23 and maintain a B average or better.
Car insurance companies also provide car insurance discounts by age. Many insurance providers offer special discounts for drivers who reach a certain age, typically around 50 or 55 years old.
To qualify for the multi-policy discount, you must have two or more policies with Progressive.
Expert Handling of Progressive Snapshot Claims
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Progressive’s claims process is designed to be user-friendly and convenient. Policyholders have multiple options for filing a claim, including online, over the phone, or through the use of mobile apps. The online platform allows for a seamless and hassle-free claims submission process, where customers can provide all necessary information and documentation digitally.
Progressive’s mobile apps provide a convenient way to file a claim on the go, making it accessible to customers wherever they are. Additionally, the option to file a claim over the phone ensures that customers have a direct line of communication with Progressive’s claims representatives for assistance.
Average Claim Processing Time
Progressive is known for its efficient claims processing system. The company aims to provide quick resolution to policyholders’ claims. While the exact processing time may vary depending on the complexity of the claim, Progressive’s commitment to a timely claims process is a key factor that sets it apart from its competitors. Policyholders can expect prompt attention to their claims to minimize any disruptions to their lives.
Read more: How long does it typically take for Progressive to process a car insurance claim?
Customer Feedback on Claim Resolutions and Payouts
Progressive values customer feedback and continuously strives to improve its claims resolution process. Customer feedback regarding claim resolutions and payouts is generally positive, with many customers expressing satisfaction with the company’s responsiveness and fairness. Progressive’s commitment to transparency and customer satisfaction is reflected in its claims handling practices.
The Cutting-Edge: Progressive Snapshot Tech Features
Mobile App Features and Functionality
Progressive’s mobile app offers a range of features and functionalities designed to enhance the overall customer experience. Policyholders can easily manage their policies, view and pay bills, access digital insurance cards, and file claims directly through the app. It’s also easy to download Progressive’s mobile app:
The intuitive interface and user-friendly design make it convenient for customers to navigate and access important information at their fingertips.
Online Account Management Capabilities
Progressive’s online account management capabilities provide policyholders with the flexibility to access and manage their insurance policies from any device with an internet connection. Customers can review policy details, make changes to their coverage, and track claims progress through the online portal. This digital convenience streamlines the insurance management process, giving customers more control over their policies.
Digital Tools and Resources
Progressive offers a range of digital tools and resources to assist policyholders in making informed decisions about their insurance coverage. These resources include insurance calculators, educational materials, and informative articles that help customers understand their insurance needs better.
Progressive’s commitment to providing digital tools and resources aligns with its mission to empower customers to make confident insurance choices.
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See What Progressive Snapshot Can Do for You
Progressive’s Snapshot program might be a good option if you practice safe driving habits and don’t put too many miles on your car. You’ll also need to be comfortable having your driving data tracked.
Although Snapshot is a good choice for usage-based insurance, there are other options. You might find better savings with other companies, so it’s important to compare quotes before you sign up for a policy. Use our comparison tool below to get free auto insurance quotes from local companies.
Case Studies: Progressive Snapshot Review
When it comes to car insurance, usage-based insurance is a relatively new concept. Its newness is reflected in the following examples of drivers trying out Progressive Snapshot.
- Case Study #1 – Sarah’s Positive Experience: Sarah, a cautious driver, decided to try the Progressive Snapshot car insurance discount to potentially lower her rate. She found it accurately tracked her safe driving habits, including maintaining a steady speed and avoiding sudden braking. She received a significant discount on her insurance rate.
- Case Study #2 – John’s Frustrations with Accuracy: John, an occasional aggressive driver (which is among the different types of bad drivers), enrolled in Progressive Snapshot but had challenges with some false events, such as hard braking instances. This led to an inaccurate assessment and limited his discount. John considered exploring programs with better tracking.
- Case Study #3 – Emily’s Privacy Concerns: Emily was initially intrigued by Progressive Snapshot, but hesitated to participate due to privacy concerns. She decided to explore alternative insurance options that offered similar benefits without compromising privacy. She opted for a different usage-based insurance program that allowed her to maintain more control.
- Case Study #4 – Mark’s Inconsistent Results: Mark, an urban driver with traffic congestion, signed up for Progressive Snapshot in hopes of reducing his insurance cost. However, Snapshot struggled to distinguish between aggressive maneuvers caused by external factors, such as sudden lane changes due to heavy traffic. Mark decided to look for insurers with more accurate tracking.
- Case Study #5 – Lisa’s Alternative Approach: Lisa was intrigued by the concept of usage-based insurance and the cost savings potential, but she didn’t want to commit to a specific program. She opted for an alternative solution: a smartphone app that tracked her driving behavior. It provided similar benefits to Progressive Snapshot, but without the need for a physical device.
As you can see, thanks to a highly competitive insurance market, customers have several options to customize their car insurance — whether they stick with Progressive or choose to try another company.
Frequently Asked Questions
Does Progressive cover rental cars?
Yes, Progressive offers rental car reimbursement coverage as an optional add-on to your policy. Read more about rental car reimbursement in our article, Types of Car Insurance Coverage.
Does Progressive offer low mileage discount?
Yes, Progressive offers a discount for low-mileage drivers through their “Snapshot” program, which tracks your driving habits to determine your discount.
Does Progressive Snapshot lower rate?
Participating in Progressive’s Snapshot program can potentially lower your rate if your driving habits indicate you’re a safe driver.
Does Progressive have an app?
Yes, Progressive has a mobile app available for both iOS and Android devices, allowing customers to manage their policies, make payments, file claims, and more. Progressive’s mobile app is lauded in our article, Cheapest Car Insurance for 23-Year-Old Drivers.
Does Snapshot monitor speed?
Yes, Snapshot monitors various aspects of your driving behavior, including speed, acceleration, braking, and the time of day you drive.
Is Progressive good car insurance?
Progressive is a well-known insurance company with generally positive reviews for its coverage options, customer service, and claims handling. However, individual experiences may vary. If you want to compare Progressive rates to other car insurance companies, do it easily by entering your ZIP code into our free online quote tool.
Does Progressive offer gap insurance?
Yes, Progressive offers gap insurance, which covers the “gap” between what you owe on your car loan and the actual cash value of your car if it’s totaled or stolen. Learn more about gap insurance in our article, How much is gap insurance?
Does the Progressive Snapshot drain your battery?
Progressive states that the Snapshot device should not drain your car’s battery under normal circumstances.
How many hard brakes does Snapshot allow?
The number of hard brakes allowed can vary depending on your driving habits and the specific parameters set by Progressive.
Does Progressive offer law enforcement discount?
Progressive may offer discounts for certain professions, such as a police officer car insurance discount, but eligibility can vary depending on your location and specific circumstances. It’s best to check with Progressive directly.
How does Snapshot work?
Snapshot works by monitoring your driving habits through a device plugged into your car’s OBD-II port or through a mobile app. It collects data on factors like speed, braking, and time of day to determine your discount.
How does Snapshot know who is driving?
Snapshot tracks driving behavior based on the vehicle’s movement, not the individual driver. It doesn’t distinguish between different drivers of the same vehicle.
Does Progressive offer safe driving discounts?
Yes, through the Snapshot program, Progressive offers discounts based on safe driving habits such as avoiding hard braking and driving during safer times of day.
For safe driving tips, see our article Your Car and Your Dog — Tips to Help You Drive Safely.
How accurate is Progressive Snapshot?
Progressive claims that their Snapshot program is accurate in assessing driving habits, but individual experiences may vary.
How long do I have to use Progressive Snapshot?
Typically, Progressive requires you to use Snapshot for at least six months to determine your driving habits and apply any resulting discounts to your policy.
How much can Snapshot save you?
The amount you can save with Snapshot depends on your driving habits and how they compare to Progressive’s criteria for safe driving. Savings vary from person to person. For maximum savings, you’ll want to steer clear of bad driving behaviors. Delve into driving behaviors with our article, The Best and Worst Drivers by State.
How to install Progressive Snapshot?
Installing Snapshot involves plugging a small device into your car’s OBD-II port or using the Snapshot mobile app, which uses your phone’s sensors to track your driving habits.
How to remove Progressive Snapshot?
If you no longer wish to participate in the Snapshot program, you can contact Progressive to have the device removed from your vehicle or uninstall the mobile app.
Is Progressive Snapshot worth it?
Whether Snapshot is worth it depends on your driving habits and how much you could potentially save on your insurance premium. It may be worth trying if you believe you’re a safe driver.
You can also compare Snapshot to other usage-based car insurance programs. For example, see our article, Allstate Drivewise vs. Progressive Snapshot: Which Service Is the Best.
How to unenroll from Progressive Snapshot?
To unenroll from the Snapshot program, contact Progressive customer service to request removal or follow the instructions to uninstall the mobile app.
How to use Progressive Snapshot?
To use Snapshot, simply plug the device into your car’s OBD-II port or download the mobile app and follow the setup instructions. Then, drive as you normally would while Snapshot tracks your driving habits.
Does Snapshot save you money?
Participating in Snapshot can potentially save you money on your insurance premium if your driving habits qualify you for a discount. Learn some safe-driving tips in our article, Car Driving Safety Guide for Teens and Parents.
Should I use Progressive Snapshot?
Whether you should use Snapshot depends on your preferences, driving habits, and willingness to have your driving behavior monitored in exchange for potential discounts on your insurance premium.
What does the Progressive Snapshot track?
Snapshot tracks various aspects of your driving behavior, including speed, acceleration, braking, and the time of day you drive.
What is a good Snapshot score?
A good Snapshot score is typically one that reflects safe driving habits, such as avoiding hard braking and driving during safer times of day. The specific criteria may vary depending on Progressive’s algorithms.
For example, daytime driving is usually safer than nighttime driving. See our article, Light Pollution Effects in Your Life: Impact on Driving, Health and Home Security.
What happens if you unplug Progressive Snapshot?
If you unplug the Snapshot device, it will no longer be able to track your driving habits, and you may lose any associated discount on your insurance premium.
What information does Progressive Snapshot collect?
Snapshot collects data on your driving habits, including speed, acceleration, braking, and the time of day you drive.
What is Progressive Snapshot?
Progressive Snapshot is a usage-based insurance program that tracks your driving habits to determine your insurance premium. It offers potential discounts for safe driving. Progressive ranks first as the best car insurance for UBI/pay-per-mile.
Where does Progressive Snapshot plug in?
Progressive Snapshot plugs into your car’s OBD-II port, typically located under the dashboard near the steering column.
Will Progressive know if I unplug Snapshot?
Progressive may be able to detect if the Snapshot device has been unplugged from your car, and this could affect your participation in the program and any associated discounts.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
Licensed Insurance Agent
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.