Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 21, 2021

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Key Takeaways

  • Progressive Snapshot is a usage-based program that tracks driving habits and calculates a discount based on the results
  • Those who use Progressive Snapshot can save upward of 30% off their car insurance rates
  • There are some states in which poor driving can result in an increase in your rates

What is Progressive Snapshot? This usage-based program tracks driving habits and then gives the insured a discount in line with their habits. This Progressive Snapshot car insurance review will tell you all you’ll need to know.

So, how does this program go about saving you money on Progressive car insurance? We’ll be getting into that soon.

Before we begin our Progressive Snapshot car insurance review in full, type your ZIP code into our free and helpful tool above. With it, you’ll find the cheapest car insurance in your area.

How much is Progressive Snapshot?

Snapshot was once called the Pay As You Drive program (PAYD). It was, and is, a form of usage-based car insurance (or pay as you go). What is pay as you go car insurance? It’s where rates are dependent upon mileage.

Does it cost money to sign up for this program? No, Progressive Snapshot is free to their insured.

How does it save money? Progressive Snapshot will only save you money if you drive safely. You can also save by driving during safer times of the day and driving less in general.

Let’s look at Progressive’s rates for drivers with various commutes. This data shows rates prior to the application of the Progressive Snapshot discount.

Progressive Rates by Commute by State
State10 miles commute / 6000 annual mileage.25 miles commute / 12000 annual mileage.
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As you can see, many states don’t have separate rates from Progressive based on commute length. Essentially, Progressive is already a good company for those with a lengthy commute.

Factor in a 30% discount (at most) to already lower rates, and drivers are apt to save quite a bit.

Considering a shorter commute means less time on the road, the driver will be calmer behind the wheel and more likely to drive safely.

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How does Progressive Snapshot car insurance work?

There are options for Progressive Snapshot installation. Like most of these programs, drivers can either choose a telematics device or utilize Progressive’s mobile app.

Let’s see how much Progressive Snapshot can save you in comparison with other telematics programs.

Potential Savings by Insurance Provider and Telematics Program
Insurance CompanyProgramDeviceEarned Savings (Up to)
AAAAAADriveMobile App30%
AllstateDrivewiseMobile App25%
American FamilyKnowYourDrivePlug-in40%
EsuranceDriveSenseMobile App30%
Liberty Mutual/SafeCoRightTrackMobile App or Plug-in30%
MetLifeMy JourneyPlug-in30%
MetromileMetromileMobile App60%
Mile AutoMile AutoNeither40%
ProgressiveSnapshotMobile App or Plug-in20%
State FarmDrive Safe & SaveMobile App or Plug-in50%
The HartfordTrueLanePlug-in25%
TravelersIntelliDriveMobile App30%
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We know Progressive uses this data to adjust insurance rates via a discount, but can that go both ways? Unfortunately, yes. Unlike some similar programs, Snapshot can increase your rates.

Progressive’s website states that two out of 10ndrivers see their rates increase. However, on the other side, there’s a discount just for signing up.

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Progressive Snapshot Car Insurance Review: Is it worth it?

Progressive Snapshot is absolutely beneficial. The signup discount (about $35 per month on average) alone makes it worth it for Progressive’s insured.

However, to receive the full benefit of this program, you must operate your vehicle in the safest manner possible. Drive during daylight, drive safely, don’t brake hard, and be aware of commute length.

Now that you’ve finished our Progressive Snapshot car insurance review, type your ZIP code into our free and helpful tool below. With it, you’ll find the most affordable car insurance rates in your area.

Frequently Asked Questions: Progressive Snapshot Car Insurance Review

What follows are two questions commonly asked about Progressive Snapshot.

#1 – Is there a Progressive Snapshot app hack?

No, just drive safely to ensure you will receive lower rates. Programs like this exist to create safer drivers.

#2 – My Progressive Snapshot is not working, what should I do?

If you have Progressive Snapshot problems, unplug the device (if you’re not using the app), review installation details, then plug the device back in. Should this fail, call 1-877-329-7283.