How Exactly Does Snapshot from Progressive Insurance Work?

July 25, 2020

What it is and who may benefit from it.

Snapshot is a device that plugs into your car's OBD-II Diagnostic Port (see image below) The port is usually found under your steering wheel. The device captures information and sends it back to Progressive to determine the discount to which you may be eligible.

A device that is plugged into your car’s diagnostic port can measure metrics surrounding your car’s health and usage. What the device can measure and what it tracks for purposes of your insurance program includes.

What are the things that Progressive Snapshot Measures for rating purposes?

Hard Braking: If you tend to brake quickly (hard) at your stops, this device is not going to be kind to you. Interesting fact.... the device "beeps" when it registers a "hard brake". If you are paying attention, you can quickly learn what constitutes a hard brake and adjust your habits accordingly.
When you Drive: If you drive a lot between Midnight and 4AM, the device will count that against any potential discount. If your job requires late night driving, that will not reflect positively.
How much you Drive: If you drive less miles than average, your discount will reflect that. If you have a long commute or just drive a lot in general, this program is likely not to your benefit.

Progressive's Snapshot allows for a 30-day trial without being their customer. Since our agency was going to be advising clients on the use of the device, a number of our staff gave it a test drive for the 30-day trial period. Our results were mixed. Everyone earned at least a minor discount. Some testers earned the full 30% discount, while others saw much less (say 5%).

Who might it benefit? If you are a:

Defensive, "gentle braker",
Don't drive late at night and
Drive fewer miles than average (say 30/day)

Have more questions about Progressive Insurance and if it’s right for you? Please feel welcome to give us a call (607)324-7500

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Auto Rates and Finger Prints: Both are Unique to You!

By Jeff Ryan • April 7, 2026

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