Progressive Snapshot Review for 2023 (2024)

Lilah Butler

Sep 8, 2023

This review is not provided, commissioned or endorsed by any company. Opinions and ratings are our own.

Progressive Snapshot is rated 3.5 out of 5 stars by WalletHub editors, based on factors like possible savings and customer reviews. Progressive Snapshot is an average usage-based insurance program, since it has a well-rated app but can increase premiums for poor driving.

Key Things to Know About Snapshot from Progressive

Initial discount of $94 on average
Possible savings of $231 on average
Might increase premiums for bad driving
Available everywhere except California
Customer reviews of the app average 4 out of 5

Table of Contents

What Is Progressive Snapshot?What Progressive Snapshot MonitorsProgressive Snapshot Pros and ConsIs Progressive Snapshot Worth It?MethodologyProgressive Snapshot FAQ

What Is Progressive Snapshot?

Progressive Snapshot is a usage-based insurance program that monitors a policyholder’s driving habits in order to adjust their premium. Customers who sign up for Snapshot can save an average of $231, including an initial discount of 5%. On the other hand, Progressive notes that 1 in 5 customer has their premium increase as a result of using Snapshot.

Usage-based insurance programs rely on telematics, which is a technology that uses wireless devices to transmit data. Most major insurance companies have introduced telematics programs as a way to give

What Progressive Snapshot Monitors

Miles driven
Acceleration
Braking
The time of day that you drive
Distracted driving

Snapshot from Progressive tracks these behaviors using the Snapshot smartphone app. The app is available for iPhones and Androids from both the Google and Apple app stores. Policyholders can also download it by texting 99354.

Aside from sending information on your driving behavior to the company, the Snapshot app includes features such as a trip log history and personalized driving tips. The app automatically tracks rides as long as it's installed on your phone, your phone is on, and you leave the app running in the background. It’s also worth noting that the app’s reviews are positive overall. Drivers without smartphones or who live in states where the Snapshot app is unavailable can use a device that plugs into their car's dashboard instead.

Progressive Snapshot Pros and Cons

Pros	Cons
Saves you money on your premiums for practicing safe driving	Requires the collection of data on your driving habits
Can use Progressive Mobile app instead of device	Bad driving may result in a higher rate
Mobile app provides tips to boost your score	Participation discount is only available to new Progressive customers and is not available in HI & NY

Is Progressive Snapshot Worth It?

Progressive Snapshot is worth it for safe, low mileage drivers who do not mind being monitored for insurance purposes in return for savings of $231 on average. On the other hand, drivers who frequently drive at night or in heavy traffic are less likely to benefit, as are careless drivers. Plus, remember that Progressive Snapshot might even raise your rates, depending on your driving habits.

Keep in mind that your definition of safe driving might differ from Progressive’s. Make sure you know what habits Snapshot monitors, and see how they match up with your individual circ*mstances. For example, if you work the late shift, Progressive will count your frequent nighttime driving against you.

If you decide that Progressive Snapshot is worth it for your particular circ*mstances, you can enroll by calling 1-877-329-7283. You can also contact Progressive customer service at 1-888-671-4405 if you’re unsure whether Snapshot is available in your state.

Progressive Snapshot vs. Popular Competitors

Insurer	Progressive Snapshot	Allstate Drivewise	Liberty Mutual RightTrack	State Farm Safe and Save
Potential Savings	$146 on average	Up to 25% rebate	Up to 30%	Up to 50%
Customer Reviews of the App	4.0	4.4	4.7	4.4
Can Increase Premiums?	Might increase premiums for bad driving	Will not increase premiums for bad driving	Might increase premiums for bad driving	Will not increase premiums for bad driving

Video: Progressive Snapshot Review

Methodology

WalletHub editors evaluated Progressive Snapshot in the following categories:

Initial savings
Maximum possible savings
Average of Google and Apple app ratings
Whether the program can increase a driver’s premium
Overall WalletHub editor rating for the entire company
Ease of accessing privacy and data disclosures

Information was gathered from the company’s website and from customer service representatives. Each factor was weighted equally in order to calculate the program’s final score.

Progressive Snapshot FAQ(14 questions)

Can Progressive Snapshot raise your rates?

Upvotes

McKayla Girardin, Car Insurance Writer

@mckayla_girardin

Yes, Progressive Snapshot can raise your rates, unlike the usage-based insurance programs offered by some other major auto insurance providers. Roughly 20% of drivers see their auto insurance rates increase after using Snapshot, according to Progressive. Good drivers save an average of $145 per year with Progressive Snapshot, however. Plus, in most states, new Progressive customers get an automatic discount just for participating in the Snapshot program (an average of $26), though the discount expires...

Does Progressive use telematics?

Upvotes

WalletHub

@WalletHub

Yes, Progressive uses telematics through Snapshot, a program that tracks a customer's driving habits using a plug-in device or the mobile app. Customers can sign-up for Snapshot and receive a discount if they consistently practice safe driving.

Does Progressive offer a low mileage discount?

Upvotes

Lilah Butler, Car Insurance Writer

@lilah_c

No, Progressive does not offer a specific low mileage discount. Progressive premiums do take mileage into account, however, as rates are an average of 23% lower for customers who drive 7,500 miles annually than for customers who drive 15,000 miles annually, according to WalletHub data.

Low mileage drivers usually save on their Progressive premium because less time on the road means a smaller chance of filing a claim. Besides offering lower premiums for low mileage...

How much does Progressive pay-per-mile insurance cost?

Upvotes

Anamarie Waite, Car Insurance Writer

@anamarie.waite

Progressive pay-per-mile insurance costs an average of $145 less than a standard six-month policy. Progressive does not have pay-per-mile in its most literal form, where customers are charged a low base price plus a per-mile rate. But Progressive Snapshot is a usage-based insurance program, which is one form of pay-per-mile insurance.

With usage-based insurance like Progressive Snapshot, your driving is monitored using your smartphone or a plug-in device provided by the company. Progressive adjusts...

How do I get the Progressive safe driver discount?

Upvotes

WalletHub

Does Progressive Snapshot track speed?

Upvotes

McKayla Girardin, Car Insurance Writer

@mckayla_girardin

Yes, Progressive Snapshot does track speed using a smartphone app or a plug-in device. Snapshot also raises rates for poor driving, so drivers who have a habit of speeding may want to reconsider using this telematics program.

What Progressive Snapshot Tracks

Speed
Hard braking
Mileage
Phone use

In addition to raising your rates due to speeding while using Snapshot, Progressive will increase your premiums for things like...

How much can you save with Progressive Snapshot?

Upvotes

Erik Zucker

@ebzucker

Absolutely under no circ*mstances should you opt for snapshot. As far as I am concerned it is just a way for them to increase your rates or at the very least keep your rates the same. I finished with an A rating which apparently is extremely hard to get. When I spoke to them about my discount I was congratulated on my superb driving and will be getting a 391.00 discount when my plan renews....

View more answers

How can I lower my Progressive car insurance?

Upvotes

WalletHub

@WalletHub

You can lower your Progressive car insurance costs by taking advantage of Progressive discounts, opting for a higher deductible, and reducing your coverage, among other things. Progressive considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.

How to Lower the Cost of Car Insurance from...

Does Progressive offer a defensive driving course discount?

Upvotes

Anamarie Waite, Car Insurance Writer

@anamarie.waite

Progressive does not advertise a defensive driving discount on its website, but you may still be able to get one. Progressive may lower your rates by about 5% if you complete an approved defensive driving course and meet certain qualifications. You may need to be a certain age, have a clean driving record, take the course voluntarily (not by court order), or meet other state-specific criteria to be eligible. You'll have to speak to a...

Does Progressive have a dash cam discount?

Upvotes

Lilah Butler, Car Insurance Writer

@lilah_c

The closest thing to a Progressive dash cam discount is a 5%-18% discount on your auto insurance policy if you agree to share your Samsara data directly with Progressive. Samsara is a technology company that tracks driving habits using telematics equipment like GPS monitors, in-vehicle alert systems and dash cams that use artificial intelligence

While Progressive does not specifically offer any other dash cam discounts for auto insurance at this time, it does offer...

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