Learn more about our Snapshot® program
What is Snapshot?
Typically, car insurance rates are based on historical information about people like you. Snapshot personalizes your insurance rate based on your actual driving (called usage-based insurance), and gives you more control over how much you pay for car insurance. The better you drive, the more you could save.
How do I enroll in Snapshot?
Tell your participating independent agent or broker that you'd like to enroll when you get a quote. You'll receive a Snapshot device in the mail, along with easy instructions to plug it into your car. Then, drive as you normally do. You can review your driving snapshot anytime by logging in to your policy on ProgressiveAgent.com. Snapshot isn't available in all states.
What is the 30-day trial?
If you don't want to switch your insurance today, you can sign up for a trial of Snapshot. There's no obligation to buy at the end. Talk to your participating agent about how you can sign up for this trial. Testing Snapshot isn't available in all states.
When do I get my Snapshot device?
Within seven to 10 days of buying your Progressive policy, you'll get your device in the mail.
Where do I plug in the device?
Plug it in to your car's diagnostic port; it's located under the driver's side dashboard of most cars. Every device comes with instructions. Watch this quick video for more information.
How do I know the device is working?
After starting your car, simply look for a blinking light on the device. If you don't see one, unplug the device, review installation details, and then plug it back in. If you still don't see a blinking light, please call us at 1-877-329-7283.
Why does my device beep when I drive?
Snapshot devices beep when you make a hard brake. Getting this instant feedback can help you improve your driving.
What information does the device collect?
The Snapshot device collects information on how, how much and when you drive. It also collects your vehicle identification number, when the device is plugged into and unplugged from the vehicle, and triggers an email to you if it comes unplugged. Some devices associated with policies sold through our direct channel collect location data: this is only for research and development purposes—we don't use it to calculate your rate.
How might Snapshot affect my rate?
With Snapshot, we measure a variety of factors related to your driving including things such as the times of day you drive, sudden changes in speed and the amount you drive.
Most Snapshot customers do earn a discount based on their safe driving; however, riskier driving habits based on these factors indicate a greater likelihood of being in an accident and may result in a higher rate at renewal—depending on the state you live in and when you signed up for Snapshot.
See our state details page for more information.
When do I learn about my rate change?
Look for regular email updates, showing your progress, while you have the Snapshot device plugged in. You can also log in to your policy at any time to see how you're doing. You'll also receive your new rate at the time of renewal. When it's time to return the device, the email update will show exactly how your rate will change when you renew your policy.
Can I opt out of Snapshot before I'm done reviewing my driving information?
Yes. If you decide Snapshot isn't right for you, you can opt out at any time and return to our traditional rating program. In some states, if you plug in and then opt out more than 45 days after enrollment you will receive a surcharge to your policy at the next renewal. Please see the state details page for specifics.
When do I return the device?
You'll get an email when it's time to unplug and return the device. We usually try to time that email with your policy renewal. However, if you plug in the device in the middle of your policy period—rather than at the start—we may have you keep the device plugged in beyond your renewal. We want devices plugged in for at least 75 days.
What if my device stops working?
If your device stops working or comes unplugged, you'll get an email alert from us, along with details on what to do next.
What if I lose the device?
Call us at 1-877-329-7283, so we can send you a new one. Unfortunately, the $50 charge for an unreturned device still applies.
Why can't I see my driving information anymore?
Snapshot reports are available for 180 days after you receive the email asking to return the device.
What if a vehicle with Snapshot gets in an accident?
We won't use Snapshot data for claims purposes unless you say it's ok, or we receive a court order, like a subpoena. See the Snapshot Terms and Conditions for more information.
Note: These FAQs offer a broad overview of the Snapshot program and how it works. Please reach out to your local independent agent for additional information and enrollment.