Progressive Snapshot Review (2021)

Progressive Snapshot is a usage-based insurance program that personalizes customers' rates based on their personal driving patterns. Progressive policyholders can expect an immediate discount on their Progressive insurance rates for starting Snapshot. By driving safely and avoiding high-risk tendencies, customers can continue to see rates drop.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 3, 2021

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Company Details
Address: 6300 Wilson Mills Road
City: Mayfield Village
State: Ohio
ZIP Code: 44143
Phone Number: 440-461-5000
Year Founded: 1937
AM Best Rating: A+
Company Rating 0 (0 reviews)

At a time when people get easily distracted and engage in countless driving hazards, many insurance companies want to help keep the roads safer—saving money on claims in the process.

Progressive Snapshot is one program designed to encourage and incentivize safe driving.

With Snapshot, Progressive promises to reward policyholders for their good habits while monitoring their overall driving techniques and tendencies. This is a great way for policyholders to offset their average auto insurance monthly cost.

Shopping for car insurance discounts? Finish reading this Progressive Snapshot auto insurance review and then enter your ZIP code above to see how much you could save on your car insurance.

How does Progressive Snapshot work?

The Progressive Snapshot program is quick, easy, and user-friendly.

First, you simply need to sign up for the program. If you do not have an existing car insurance policy with Progressive, you will need to get one. Then, you can speak to an agent about adding the Snapshot Progressive program to your existing plan.

After you sign up for Snapshot, you can either download the Snapshot app or use the Snapshot device (which plugs into your OBD-II port) and start driving!

As soon as you initiate Snapshot by Progressive, you’ll be eligible for policy discounts. You will then use Snapshot for your first policy period (six months) before seeing any additional savings.

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What driving habits does Progressive Snapshot monitor?

It is important for you to know what’s in store before you sign up for the Progressive Snapshot program.

Among other things, Snapshot monitors:

  • hard braking
  • quick accelerations
  • late-night driving
  • distracted driving
  • overall miles driven

The safer you drive, and the fewer miles you drive overall, the more you can save with Snapshot.

Snapshot Progressive Discounts

While discounts with Progressive Snapshot vary based on your unique driving patterns, you may wonder what discounts Progressive offers.

Some possible discounts you could receive with your Progressive insurance include:

Progressive Discounts
Progressive Discounts Offered
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Claim Free
Continuous Coverage
Daytime Running Lights
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Electronic Stability Control
Family Legacy
Forward Collision Warning
Full Payment
Good Credit
Good Student
Lane Departure Warning
Low Mileage
Multiple Policies
Multiple Vehicles
Newer Vehicle
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Safe Driver
Stable Residence
Switching Provider
Vehicle Recovery
VIN Etching
Young Driver
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While the average cost of Progressive car insurance rates is about $114 a month, some states cite Progressive car insurance quotes at nearly $200 a month (or $1,142 for a six-month policy).

Because Progressive car insurance can be expensive, Snapshot could be a relatively simple way to save on your policy.

How does the Snapshot Progressive app work?

The Progressive Snapshot app uses your phone’s location services to monitor your driving. Once you use your Progressive insurance login to get started, Snapshot steadily monitors your activities straight from your phone.

Your Progressive login will also allow you to access your existing insurance policy, check the status of a claim, and even request roadside assistance.

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Is the Progressive Snapshot app a good option for me?

Depending on your driving patterns, Snapshot could be an excellent way for you to save money on your car insurance policy.

Monitor your own driving for a few weeks to decide whether your driving habits would help or hurt your chances of saving money.

If you intend to buy Progressive Snapshot, be sure to speak to an agent about Snapshot to see if it’s a viable option for you. With an A+ ranking with A.M. Best, Progressive is certainly a company to consider.

But even as you shop for affordable Progressive car insurance, there is no need to limit yourself to just one company.

Progressive Snapshot auto insurance rates are hard to quote since they require time in the program. Use our free quote tool below if you’d rather get quotes right now.

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