Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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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. 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 Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Aug 9, 2021

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The Short of It

  • Progressive Snapshot can save you up to 30% on your auto insurance, plus you get an extra discount for signing up
  • Snapshot from Progressive monitors your driving habits, like the time of day you drive and distracted driving
  • If you score poorly, Progressive can actually raise your rates

Although auto insurance can be expensive, you can really lower your rates by taking advantage of car insurance discounts. Progressive Snapshot offers a discount of up to 30% based on how you drive.

However, you should be aware that if you score poorly with Snapshot, your auto insurance rates can actually go up.

Before you buy Progressive Snapshot auto insurance, shop around to see if it’s the best deal for you. Most other car insurance companies offer similar programs, so compare rates and discounts.

Keep reading to learn more about Progressive Snapshot auto insurance. Before you scroll down, enter your ZIP code to compare auto insurance quotes from multiple companies near you for free.

How does Progressive Snapshot work?

It’s no secret that your driving record affects your car insurance rates. Drivers with tickets, DUIs, and accidents on their record will pay much higher rates.

Progressive Snapshot can help lower those rates. The program monitors driving behaviors and then calculates a discount.

You can’t get a Progressive Snapshot auto insurance quote because the discount is totally based on your driving.

You receive a discount just for signing up for Snapshot, and then receive your calculated discount upon renewal.

Snapshot from Progressive is pretty easy to use. Just let the company know that you want to use the program. Then you will either use an app or a plug-in device for the monitoring.

The tricky part is that if you score badly, your Progressive Snapshot auto insurance rates will actually increase. According to Progressive, that happens to about 20% of drivers who use Snapshot.

You can opt out of the program anytime you want. However, in some states, you will be charged a fee for canceling.

If you aren’t yet a Progressive customer, you can still try out Snapshot. The Snapshot Road Test allows you to use the program to see how you would score for a discount. Then you can decide if you would like to sign up with Progressive.

In addition to the possible rate increase and fee for canceling, there are some other concerns to be aware of.

Progressive does collect your data and can use it for marketing and research, among other things. Some drivers may not like their privacy being compromised in that way.

Also, if you are using the app, Snapshot will use your phone battery and data. While the usage is supposed to be minimal, you could see your battery life go down and your data costs go up.

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What does Progressive Snapshot monitor?

Although many auto insurance companies offer a similar type of telematics program, the behaviors that are monitored change from company to company.

Progressive Snapshot: What does it track? These are the specific behaviors Snapshot is concerned with:

  • Time of day you drive – Driving between midnight and 4 a.m. will lower your score since that is seen as the most dangerous time to drive. Rush-hour driving can also cause you to lose points.
  • Miles driven – Drivers who rack up the miles have a greater chance of being in an accident. Snapshot rewards drivers with higher scores if they drive an average of 10 miles a day or less.
  • Sudden speed change – Hard braking or accelerating can indicate you aren’t paying attention or you’re driving aggressively.
  • Distracted driving – If you are using the app and not the plug-in device, Snapshot will ding you for using your phone while driving. This includes hands-free calling, texting, or interacting with your navigation.

Perhaps the most important habit that is tracked by Snapshot is distracted driving. Distracted driving does more than just affect your auto insurance rates.

According to the Centers for Disease Control (CDC), eight people are killed every day from distracted driving. Programs like Snapshot make drivers more aware of their distracted driving and offer rewards for safer behaviors.

How affordable Progressive Snapshot auto insurance is for you will be completely dependent on your driving behaviors.

It should be noted that some of the Progressive Snapshot reviews feature complaints about how difficult it is to score well.

Reviewers say that the program is too sensitive when it comes to hard braking, and there is no way to differentiate why you hit your brakes hard in the first place.

What are other ways to save with Progressive?

While Snapshot from Progressive can save you money, there are other discounts you can take advantage of as well. Progressive will allow you to bundle all of the discounts you are eligible for to save you even more.

This table shows you all available discounts from Progressive. If the amount of the discount is known, it is listed.

Progressive Auto Insurance Discounts
Auto Insurance DiscountsProgressive (%)
Adaptive Cruise Controlx
Adaptive Headlightsx
Anti-lock Brakesx
Anti-Theftx
Claim Freex
Continuous Coveragex
Daytime Running Lightsx
Defensive Driver10
Distant Studentx
Driver's Ed10
Driving Device/App30
Early Signingx
Electronic Stability Controlx
Family Legacyx
Forward Collision Warningx
Full Paymentx
Good Creditx
Good Studentx
Homeownerx
Lane Departure Warningx
Low Mileagex
Loyaltyx
Marriedx
Multiple Policies12
Multiple Vehicles10
Newer Vehiclex
Online Shopper7
Paperless Documents$50
Paperless/Auto Billingx
Passive Restraintx
Safe Driver31
Stable Residencex
Switching Providerx
Vehicle Recoveryx
VIN Etchingx
Young Driverx
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Other ways you can save on your auto insurance include lowering your coverage limits, raising your deductible, and reducing add-ons like roadside assistance.

Is Progressive Snapshot worth it?

While Snapshot from Progressive can save you up to 30% on your auto insurance, it can also raise your rates if you score poorly.

Snapshot is a good fit for drivers who are confident in their safe driving skills, don’t drive late at night, and don’t drive very many miles.

If you don’t fall into those categories, Snapshot might not be the best fit for you, especially considering you can be charged a cancellation fee if you decide to opt out.

To learn more about the company, read our Progressive auto insurance review.

If you are interested in a telematics program, keep in mind that most major auto insurance companies offer discounts based on your driving. Shop around and compare rates and discounts to see which company is best for you.

We hope you’ve learned all you need to know about Progressive Snapshot. Enter your ZIP code before you go to receive free auto insurance quotes from companies in your area today.