Snapshot Frequently Asked Questions (2024)

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With Snapshot, we measure a variety of factors related to your driving, including things such as the time of day you drive, sudden changes in speed (hard brakes and rapid accelerations), the amount you drive, and, for customers using the mobile app in some states, how you're using your mobile phone while driving.

Most Snapshot customers earn a discount based on their safe driving. However, riskier driving based on these factors indicate a greater likelihood of being in an accident and may result in a higher rate at renewal — depending on the state you live in and when you signed up for Snapshot.

See our state details page for more information.

The mobile app and the plug-in device experience are very similar. For both, you get a participation discount just for signing up. The participation discount* remains on your policy for the first policy term and is replaced at renewal by your personalized rate. The mobile app and the plug-in device use similar variables to evaluate your driving and provide a personalized rate. In addition to the variables in common between the plug-in device and the mobile app, the app considers handheld phone use behind the wheel. The mobile app gives you convenient access to driving data and feedback on your mobile phone. Additionally, there is no need to wait for the device to arrive in the mail, or to plug it in.

*Participation discount not available in Hawaii and New York.

Sure. If you decide Snapshot isn't right for you, you can opt out at any time. If you received a Snapshot participation discount when you purchased your policy, you lose that discount when you opt out of the program. In some states and situations, if you opt out more than 45 days after enrollment, you may receive a surcharge to your policy at the next renewal, and if you’ve already shared your driving data with us it may impact your renewal rate.

Visit the details page to see specifics for your state.

You can enroll in the Snapshot program at the time you purchase your policy or by calling Progressive at 1-877-329-7283.

The mobile app is a good fit if all drivers on the policy have an Android™ phone or iPhone^® smartphone.

Also, if any drivers on your policy regularly drive vehicles not on the policy, the mobile program may not be a good fit. Some examples of this include delivery drivers and people driving a company car.

Each driver on the policy downloads the mobile app on their smartphone. In some states, during registration of the app, each driver chooses the vehicle that they drive most often and each smartphone will then be associated with a vehicle. In other states, we average the driving data from all smartphones across all vehicles on the policy. In either case, the smartphone shows that driver's driving data and it doesn't matter if they sometimes drive a car on the policy other than the one associated with their phone.

If two drivers from the household are in a car together (for example, husband and wife), the mobile app should be able to determine who is the driver and only collect trip data for that person. However, in the instance that the phone app registers the trip for both individuals, we provide the opportunity, in the app, to correct the trip information.

See our state details page for more information.

For people that download the app and are not Progressive Snapshot customers — you're not able to register and use the mobile app. In some states, the mobile app is only available for new customers at the time they purchase their policy. If you live in one of those states, are a Progressive customer and would like to try Snapshot, you can call us or log in to enroll in Snapshot with a plug-in device.

For people who are Snapshot customers using the mobile app — give us a call at 1-877-329-7283 for help with registration.

See our state details page for more information.

iOS/iPhones

The following settings and permissions are required for your app to function properly:

• Background App Refresh: This enables the app to record driving data while it's running in the background on your phone. For best results, this setting must be enabled for the Snapshot Mobile app at all times. This setting can be found in the Settings app under General>Background App Refresh.
• Location Services: Location services are used to calculate driving behaviors such as hard braking, mileage, and may be used for underwriting purposes. For the app to work properly, Location Services must be enabled at all times. This setting can be found in the Settings app under Privacy> Location Services:
• Wi-Fi: The app uses Wi-Fi to send us your trip information. The app also uses Wi-Fi to more accurately determine when a trip begins and to complement the GPS location data.
• App Running: In order for the app to properly record safe driving, please do not delete or close the app. It's okay for the app to be running in the background.

Android

The app should work on most Android phones without any special configuration. Upon installation, the app will request access to the following:

• Location: Location services are used to calculate driving behaviors such as hard braking, mileage, and may be used for underwriting purposes. On newer versions of Android, in Settings>Location>Mode needs to be set to "High Accuracy" or the app can't use GPS (just cellular). On older Android versions, Settings>Location needs to have all Locations Service source options enabled. Examples include GPS satellites, Location Services, and Google Location Services (or Google Wi-Fi Location Information).
• Wi-Fi: The app uses Wi-Fi to send us your trip information. The app also uses Wi-Fi to more accurately determine when a trip begins and to complement GPS location data.
• Modify or delete the contents of your SD card: Google Maps, used for displaying your trips in the app, requires this setting to cache map data. We don't modify or delete any of your existing SD card content
• Read phone status and identity: Required to detect distraction-free driving.
• App Running: In order for the app to properly record safe driving, please do not delete or close the app. It's okay for the app to be running in the background.

We need to hear from your device regularly for your participation in the Snapshot program to continue.

If we're not hearing from your app often enough, we'll send you an email with instructions to re-install the app or switch to a plug-in device to continue participation in the Snapshot program.

We need to hear from your device regularly for your participation in the Snapshot program to continue.

If your device stops working or comes unplugged and we haven't heard from it in a while, you'll get an email with details on what to do next.