Progressive Snapshot Review 2024

Progressive Snapshot is a type of car insurance policy from Progressive that tracks your driving behavior and adjusts your car insurance costs based on your safe driving habits. For example, you may be able to get a lower rate if you avoid speeding or hard braking.

Many of the best car insurance companies offer this type of program, also known as usage-based car insurance (UBI).

When you buy a Progressive car insurance policy, your rates will be determined by factors such as your driving history, age, location and the type of car you drive. You may be able to obtain cheaper car insurance costs by participating in the Snapshot program, which tracks driving habits.

You’ll get an immediate discount for participating in the program (except in Hawaii and New York). Upon completing the program, you could earn a discount when your policy renews, depending on your driving habits.

You can choose to have your driving tracked either through a mobile app or a plug-in device. Snapshot by Progressive will track driving behaviors such as:

• Sudden changes in speed
• Rapid acceleration
• Hard braking
• Time of day you drive
• The amount you drive
• How you use your mobile phone while driving

You’ll get emails that show your progress during the Snapshot program. Your car insurance costs will be adjusted at your first policy renewal after you sign up for the program. If you practice safe driving habits, you should see lower rates. But if you practice high-risk driving habits like speeding or using your phone while driving, you could see your rates increase.

Several other companies offer similar usage-based insurance (UBI) programs. Most insurers offer a discount when you enroll in a UBI program and your annual discount is applied upon policy renewal (depending on your driving habits).

Before you sign up for a UBI program, make sure you understand the program’s rules. You’ll want to know:

• What driving behaviors are being tracked?
• Could your rates increase if your driving score turns out to be low? Some companies, such as Progressive and Travelers, will increase your car insurance rates at renewal if you score poorly due to risky driving habits such as speeding.

Progressive Snapshot vs. Competitors At-a-Glance

Company	Discount for signing up?	Discount after completing the program
AAA AAADrive	Up to 5%; up to 10% if you enroll all the family members on your policy	Up to 25%
Allstate Drivewise	Yes	Up to 40%
American Family Insurance KnowYourDrive	10%	Up to 20%
Farmers Signal	Yes; higher enrollment discounts for young drivers	Yes and you’re eligible to win monthly rewards in gift cards up to $100
Geico DriveEasy	Yes	Varies by state
Liberty Mutual RightTrack	10%	Up to 30%
Mercury MercuryGO	5%; up to 10% for teen drivers in program	Up to 40%
MetLife My Journey	Up to 25%	Up to 30%
Nationwide SmartRide	15%	Up to 40%
Progressive Snapshot	Yes	Yes
Safeco RightTrack	10%	Up to 30%
State Farm Safe and Save	Up to 10%	Up to 30%
Travelers Intellidrive	Yes	Up to 30%; up to 40% in Nevada; up to 25% in New Jersey
USAA SafePilot	Up to 10%	Up to 30%
Westfield MissionSafe	10%	Up to 40%

See MoreSee Less

Progressive Snapshot drivers save an average of $231 a year, according to the company’s website. Your savings will depend on your results from the Snapshot program.

Your rates could increase with high-risk driving. For example, if you speed, use your phone while driving or frequently drive between 12 a.m. and 4 a.m. on the weekends, you could see your costs go up. Progressive says about 20% of drivers using Snapshot see an increase.

If you’re not interested in a usage-based insurance program such as Snapshot from Progressive, here are some other ways you can lower your car insurance rates.

• Compare car insurance quotes. The best way to find a good price is to compare car insurance quotes from multiple insurers. You can often get free quotes on an insurer’s website or you can contact an independent insurance agent to speak to someone who will compare rates for you.
• Look for car insurance discounts. Ask your insurance agent to review the available car insurance discounts. For example, bundling auto and home insurance is one of the best ways you can save, usually between 5% to 25%.
• Increase your deductible. If you buy collision and comprehensive insurance, one way to lower costs is by increasing your car insurance deductible. A higher deductible means you’re assuming more of the costs if you file a car insurance claim, which results in cheaper car insurance.
• Drop coverage you don’t need. You may not need certain optional coverage types. For example, if your car is older and doesn’t have a lot of value, you may want to consider dropping collision and comprehensive coverage.