What is Progressive's Snapshot program, and how does it affect my rates?

I'm thinking of signing up for Snapshot to save money on my insurance. How does it work, and will it actually be worth it to save money? I've heard mixed opinions from people on whether or not it's good to have a company tracking you so I haven't decided if I want to do it or not.

The Snapshot from Progressive is a telematics tool that tracks your driving habits to reward safe drivers with potential discounts. You can choose between an app-based version or a small plug-in device. Snapshot monitors your driving and shares the data with Progressive, helping determine your insurance rate. Many insurance companies now offer telematics programs, with some requiring an app, a plug-in device, or both.

Since Snapshot is a usage-based insurance program, it considers both how you drive and how much you drive. Progressive states that drivers save an average of $231 per year after their first renewal and $169 at initial signup. While poor driving habits can lead to higher rates, most drivers see savings. After your first policy period with Snapshot, your rates are reevaluated based on the data collected.

One feature many drivers appreciate is the ability to track their own driving habits and improve over time. You can review trip details, average speed and braking patterns, as well as get tips to improve your driving. If you decide to try Snapshot, here are some key tips from Progressive:

✔️ Limit hard braking
✔️ Drive less at night
✔️ Reduce overall mileage
✔️ Avoid using your phone while driving

If you're considering Snapshot, ask your agent or a company representative about any concerns—especially about discount availability, as some states have restrictions. For example, discounts aren’t available in Hawaii or New York, and the device isn’t permitted in California. However, South Carolina drivers shouldn’t have any issues.

One common concern with telematics programs is privacy. Progressive keeps driving data on record but deletes it from the device after transmission; it is only shared when necessary (for legal reasons or policy management). Review Progressive’s thorough Snapshot privacy policy online if you have privacy concerns.

If you try it and decide it’s not for you, you can opt-out by contacting Progressive—note that you may lose any discounts you earned. If you have any other questions, don't hesitate to ask.