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.
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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 2026-06-14
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