Progressive Snapshot Review (2021)

Progressive Snapshot is a usage-based program that monitors driving habits in return for a discount. Progressive Snapshot promises discounts of up to $15/month, but it's important to know that Snapshot can increase your rates for bad driving habits. The Progressive Snapshot app works with a plug-in device to record data.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 27, 2021

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What You Should Know

  • Progressive Snapshot is Progressive’s pay-how-you-drive (PHYD) program.
  • Customers will need to install a telematics device and the Progressive Snapshot mobile app.
  • Snapshot is available in all 50 states and Washington, D.C.

Progressive Snapshot is one of multiple Progressive auto insurance discount programs where customers can save money based on how they drive. You can get this discount, but you must agree to Progressive’s driver monitoring system. Understanding auto insurance discount programs like these can be complex, but we can help.

Our Progressive Snapshot review will show you what Snapshot is, how it works, and it’s availability by state. If Snapshot isn’t for you, enter your ZIP code in our free comparison tool above to find cheap car insurance options in your area.

What is Progressive Snapshot?

Snapshot is a program for Progressive customers who want to save money through usage-based insurance. Snapshot lasts for 30 days and can save you up to $182 per year for Progressive auto insurance.

You can enroll in Snapshot by logging into your Progressive online account, or you can contact a Progressive agent to get help get Snapshot set up. Most customers use the mobile app, which is available on Google Play and Apple App Store.

The Progressive Snapshot device reviews how safe you are on the road. The more precautions you take, the less you’ll pay for auto insurance.

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How does Progressive Snapshot work?

Once you sign up to Snapshot, Progressive will send you telematics to plug into your On-Board Diagnostic (OBD1/OBD2) port. You’ll also need to download and install the Snapshot app.

The Snapshot mobile app will connect to the telematics and report your driving habits for the next 30 days. Progressive will begin to establish your discount by alerting you through the mobile app.

This brief video further explains telematics.

Progressive Snapshot rules require you to accelerate slowly and avoid hard braking. Progressive Snapshot problems may arise while driving. Some customers have complained that the Progressive Snapshot app doesn’t work correctly. Report any issues to Progressive right away.

Does Progressive Snapshot drain your battery? Progressive Snapshot device reviews indicate that the device won’t have a significant impact on your car battery, and the app has a minimal drain on the phone battery.

How to get an “A” on Progressive Snapshot

Your driving record impacts your auto insurance rate. A clean driving record can already save you hundreds on car insurance. Using Snapshot can save you even more, so you want a good grade to maximize your savings.

Not happy with your Progressive Snapshot results? How do you get an “A” from Snapshot? The following steps will help:

  • Minimize distracted driving.
  • Drive the speed limit.
  • Brake slowly and at longer distances.
  • Drive less.

There’s no Progressive Snapshot hack to get you a better grade, it’s best to just follow the rules. Did you know you can save money by driving less? Get car insurance quotes from companies in your area by entering your ZIP code below, and find companies that give discounts for driving less.

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Progressive Snapshot Mobile App Reviews

Snapshot app reviews from 2018, 2019, and 2020 are the most reliable reviews you’ll find online. There are Progressive Snapshot reviews on Reddit and in many other places online direct from customers.

Here is a video of a Progressive customer reviewing Snapshot.

Progressive Insurance Snapshot reviews are on Google Play Store and Apple App Store. Out of 5,714 ratings, Snapshot is rated 4.1 out of five stars in the Google Play Store. Their rating on the Apple App Store is 3.7 out of five stars, but this is only out of 21 total ratings.

Snapshot Availability by State

Snapshot is available all over the United States. Although you can save about $200 per year, your Progressive auto insurance rates will vary by state. According to the Insurance Information Institute, the financial responsibility of drivers is different for every state.

Let’s review average Progressive rates by state and compare them to their respective state average,

Average Annual Progressive Auto Insurance Rates by State
StatesProgressive Average Annual RatesState Average Annual RatesDifferences in Average Rates ($)Differences in Average Rates (%)
North Carolina$2,382.61$3,393.11-$1,010.50-29.78%
New Hampshire$2,694.45$3,151.77-$457.32-14.51%
New Mexico$3,119.18$3,463.64-$344.46-9.94%
North Dakota$3,623.06$4,165.84-$542.78-13.03%
South Dakota$3,752.81$3,982.27-$229.46-5.76%
New York$3,771.15$4,289.88-$518.73-12.09%
New Jersey$3,972.72$5,515.21-$1,542.49-27.97%
South Carolina$4,573.08$3,781.14$791.9420.94%
District of Columbia$4,970.26$4,439.24$531.0211.96%
Rhode Island$5,231.09$5,003.36$227.734.55%
West Virginia-$2,595.36--
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The top five cheapest states for Progressive auto insurance are Hawaii, North Carolina, Iowa, Virginia, and New Hampshire. If you qualify for the Progressive Snapshot discount, you can reduce your rates by $182, or about $15/month.

Check out our free comparison tool below if you want to compare the best auto insurance companies in your area. Just enter your ZIP code to get started.

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Frequently Asked Questions: Progressive Snapshot

Read on for more questions and answers, and check out the full Progressive car insurance review.

#1 – Is Progressive Snapshot worth it?

If you’re a Progressive customer, Snapshot can save you $200 per year. You can save hundreds more with other discounts as well. Progressive Snapshot customer reviews are mixed, so your results will vary.

#2 – Can Progressive Snapshot raise your rates?

Yes, though it will only be due to your poor driving habits. Progressive Snapshot program reviews don’t indicate that an increase is common.

#3 – How much do you really save with Snapshot?

The best way to save with Snapshot is to be cautious of your driving habits. The better your driving, the less you’ll pay for auto insurance. There is no Progressive Snapshot discount calculator, but the average savings for usage-based programs is 10-15%.

#4 – Does Progressive Snapshot track your speed?

Yes. Part of monitoring your driving habits is watching your speed. Speed limits are often tracked on maps across the country thanks to smartphone and company databases.

#5 – How long does Progressive Snapshot stay in your car?

Snapshot is installed on your vehicle for 30 days. After 30 days, return your Snapshot telematic to Progressive.

#6 – What happens if you unplug Progressive Snapshot?

You can unplug Snapshot for a short time during data collection. However, Progressive will notice and will ask you to plug it back in.

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