Innovation intelligence brief
Innovation intelligence brief
Your safe driving habits can boost your savings. It just makes sense—insurance should be based partly on how you actually drive, rather than just on traditional factors like where you live and what kind of car you have. That's what Snapshot is all about. Your safe driving habits can help you save on car insurance. It's as simple as that.
What became of it
Completed · Medium confidence · Last verified 2026-10-17
As catalogued
Usage-based auto insurance programme pricing renewals partly on measured driving behaviour, via OBD-II plug-in device or mobile app.
2026 reality
Snapshot is offered via the mobile app, or a plug-in device where the app is not available in a state; phone use is scored only in some states and only with the app. New customers get an average $164 sign-up discount and an average $328 discount at completion, applied at renewal; about 2 in 10 drivers get an increase. Not available in California.
Shift from plug-in device to mobile app as the main channel and addition of phone-use scoring in some states; the behaviour-based pricing model remains substantially intact.
the longest-running and largest US UBI programme and a reference point for telematics pricing.
Third taxonomy
REVIEW · Confirmed on progressive.com that Snapshot is live, with app/plug-in options, state-limited phone-use scoring, the $164 sign-up discount, the 2-in-10 increase share and no California availability; added the $328 completion discount. No classification changes.
Documented evidence
Startpage
Discounts
Mobile option
OBD option
Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.