Auto Insurance

Snapshot (Progressive)

Progressive's telematics program that monitors driving behavior to earn discounts of up to 30%.

Last reviewed: May 2026 · Editorial methodology

Definition

Snapshot is Progressive Insurance's usage-based discount program that monitors driving habits through a mobile app or plug-in device. It tracks factors like hard braking, speed, time of day, and distraction (phone use). Safe drivers earn discounts averaging around 10–15%, with top performers saving up to 30%. The program initially provides a small participation discount just for signing up. A significant minority of Snapshot users see rates increase at renewal if their driving data scores poorly — particularly night driving between midnight and 4 a.m. and frequent hard brakes. Snapshot data is retained by Progressive and may be used in future underwriting decisions.

Where this term matters

Auto Insurance →Insurance Companies →

Tip

Glossary definitions are educational. Always check your own policy language — insurers can define common terms differently from one another. When in doubt, request a written explanation from your agent.

Related terms

Telematics InsuranceInsurance that uses in-car devices or smartphone apps to track driving behavior and personalize premiums.Usage-Based Insurance (UBI)Auto insurance priced based on actual driving behavior and miles — a broad category including telematics and pay-per-mile.Drivewise (Allstate)Allstate's telematics program offering discounts and cash back rewards for safe driving behavior.PremiumThe amount you pay for insurance coverage — monthly, quarterly, semi-annually, or annually.

Related guides

Source: Cover Forge USA editorial team|Last verified: May 2026|Methodology
Definitions are educational and may be simplified. Always refer to your policy contract and consult a licensed agent for terms that affect coverage decisions.
CF

Cover Forge USA Editorial Team

Editorial Lead

This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.

Reviewed June 2026

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