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Progressive Snapshot Review: How Much Can You Save (2021)

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 11, 2021

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Key Takeaways

  • You get a discount for signing up with Progressive Snapshot and another discount at your renewal based on your driving
  • Your Progressive Snapshot app or device will track various driving factors to evaluate your driving
  • Your car insurance rates may actually increase if you don’t score well

Cheap car insurance is a must-have, and usage-based programs can help with that. Not only can you get a discount just for signing up, but you can also get a discount on your Progressive Snapshot car insurance rates for safe driving.

Usage-based rates vary and can be difficult to estimate. Before you buy Progressive Snapshot car insurance, shop around to see which company can offer you the best deal right now. Enter your ZIP code now to compare car insurance quotes from multiple companies for free.

What is Progressive Snapshot?

Snapshot from Progressive gives you a driving device/app car insurance discount based on your driving. With Snapshot, certain driving behaviors are tracked and scored.

The driving habits used to calculate your discount are:

  • Time of day you drive
  • How far you drive
  • Hard accelerating and braking
  • Distracted driving

The amount you save will be up to you. To save the most, limit hard braking and acceleration, don’t drive at night, drive less, and don’t use your phone while driving.

According to Progressive, the average savings for signing up for Snapshot is $47, and the average savings at renewal is $146. These savings can be bundled with a safe driver car insurance discount and can lead to very affordable Progressive Snapshot car insurance.

You can’t get a Progressive Snapshot car insurance quote because discounts will vary based on your driving. Also, Snapshot isn’t available in every state.

Progressive Snapshot uses either a device or an app to track your driving.

If you use a device, it simply plugs into a port in your dash. Although there is said to be a Progressive Snapshot hack where you can erase a bad drive by unplugging your device, that goes against the rules.

You can also use the Snapshot app, which runs in the background on your phone. Be aware, the app does use your data and can cause overages. Also, there can be a privacy concern since the app is always recording.

You can opt out of Snapshot at any time, but you may lose your sign-up discount and even be charged a fee in some states.

Is Progressive Snapshot worth it?

There are many pros and cons to using Snapshot. You have to consider data usage, privacy, and possible increases, in addition to savings

If you drive safely or only at certain times, you can save on your Progressive Snapshot car insurance. However, if you drive poorly, drive a lot, or driving during peak times, this might not be the best choice for you.

In fact, your Progressive car insurance rates can actually go up if you show poor driving skills. Although Progressive says rates go up for only about 20% of drivers, it can still be a big chance.

Perhaps the biggest advantage of using a program like Snapshot is that it can make you a better driver. According to the Insurance Information Institute, you will be a safer driver because you get immediate feedback when you drive poorly, allowing you to correct behaviors quickly.

Progressive Snapshot rates depend on driving habits, so it’s hard to know in advance what you’ll pay. You don’t have to wait for a lower rate. Compare car insurance rates right from companies near you by entering your ZIP code and save money right away.

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