Progressive Safe Driver Discount: How It Works, Potential Savings, and More
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Written byMandy Sleight
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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In This Article
Progressive’s Snapshot program helps safe drivers save money on car insurance. You could get a discount with Snapshot by avoiding hard stops, speeding, and late-night driving.
The average driver saves around $322 per year with Snapshot, according to Progressive’s website. But be careful, because risky driving behaviors could raise your insurance premium.
We’ll explain how the Progressive safe driver discount works and what real Progressive customers say about the program. Plus, we’ll give you driving tips to help you maximize your savings.
What Is the Progressive Safe Driver Discount?
You can get Progressive’s safe driver discount only if you enroll in the Snapshot program. New Progressive customers can get an enrollment discount, which will be replaced with your personalized discount once the policy renews. Your discount savings depend on your driving habits while using the Snapshot mobile app or plug-in device.
Eligibility criteria and discount restrictions vary by state. Progressive doesn’t offer the Snapshot program in California, and drivers in Hawaii and New York can’t get the enrollment discount.
Most auto insurers offer a safe driving discount, a telematics program, or both. Progressive has only the Snapshot program, which includes a rate reduction incentive for allowing the insurer to collect telematics data, including your GPS location and driving patterns.
Let’s take a look at how much you can save with Progressive’s safe driver discount.
How Much Can You Save With the Progressive Safe Driver Discount?
Your driving behavior determines how much you can save with the Progressive safe driver program. Progressive advertises average savings of $169 for signing up, and $322 per year with the Snapshot program. Although most drivers save with the Snapshot driving app, around 20% see their insurance rates increase due to risky driving habits.
That said, Snapshot may offer more savings than other usage-based insurance programs. One Reddit user reported $455 in savings with Snapshot after GEICO’s DriveEasy raised their premium by more than $100.[1] Another had similar results, receiving a discount of $232 at their renewal, for $462 in annual savings.[2]
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How does Progressive’s safe driver discount compare to competitors?
Most auto insurers, including Allstate, GEICO, State Farm, and USAA, offer savings for safe drivers. Check out the table below to see how Progressive’s average rates, discount availability, and maximum savings compare to its competitors, according to our research.
Company  | Average Full-Coverage Premium | Offers Safe Driver Savings? | Discount Availability | Maximum Discount Savings |
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| Progressive | $167 | Yes |
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| Allstate | $131 | Yes |
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| GEICO | $140 | Yes |
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| State Farm | $114 | Yes |
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| USAA | $97 | Yes |
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Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
While most insurers offer a telematics program, Progressive and Allstate don’t have a safe driver discount. But Allstate does offer a credit at each renewal if you remain accident-free while enrolled in its safe driving bonus program.
State Farm and USAA offer the biggest discounts, with maximum savings of up to 30%. Eligibility requirements and customer experiences vary by discount, company, and state. Check your policy details or call your agent to determine the best one for you.
How to Get the Progressive Safe Driver Discount
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You can enroll in Progressive Snapshot when you buy your policy or by calling Progressive at 1 (877) 329-7283. Only new Progressive customers get a discount when enrolling.
You’ll receive periodic Snapshot emails tracking your driving habits and potential discount savings. You can also log into your account to view your progress.
Snapshot assesses your risk as a driver and uses that data to determine your insurance rates. Snapshot monitors:
Mileage
The time of day you drive
Hard braking
Fast acceleration
Speed
Phone activity
Some insurance companies offer a defensive driver discount, but you have to complete a defensive driving course to qualify. You can use Snapshot to improve your driving without having to pay for a course.
You should check your driving status frequently and review how Snapshot scores your driving patterns. Then, use that information to improve your driving skills and increase your chances of receiving the most savings. But remember that risky driving behavior can lead to higher premiums.
Here are a few safe driving tips to get you started:
Avoid using your phone while driving.
Avoid unnecessary driving.
Don’t drive between midnight and 4 a.m. on the weekends.
Avoid accelerating quickly.
Avoid speeding and tailgating, which can help reduce hard braking.
Although Snapshot may offer the most savings, it’s not the only way to lower your car insurance premiums. Let’s look at some other ways you can save money with Progressive.
Other Progressive Discounts to Consider
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Progressive offers 13 car insurance discounts, and you can stack most of them to maximize your savings. A few common discounts you may qualify for include:
Good student: Full-time students with good grades can save an average of 10% with a good student discount.
Accident forgiveness: If you have a clean driving record with no recent speeding tickets or accidents, you can protect your insurance rates from increasing due to an accident with accident forgiveness.
Multi-car: Insure at least two vehicles with Progressive to save an average of 12% with a multi-car discount.
Online quote: Save an average of 7% by getting an online auto insurance quote from Progressive.
Sign online: Sign your Progressive policy documents online to save an average of 10% on your auto policy.
Multi-policy: Bundle your auto insurance with homeowners insurance through Progressive and save an average of 7% with a multi-policy discount.
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Progressive Safe Driver Discount FAQs
Discounts can help you budget by offsetting some of the cost of your auto insurance premiums. We answered some common questions about Progressive’s safe driver discount.
Does Progressive offer a discount for safe drivers?
Yes. Safe drivers could save money by enrolling in the Progressive Snapshot telematics program. Snapshot is available in all states except California.
Which insurance company offers the largest safe driver discount?
Nationwide offers the largest safe driver discount, saving some customers up to 40% on their car insurance premiums, according to Compare.com data.
How much of a discount do you get with Progressive Snapshot?
Progressive advertises that customers save an average of $322 per year with the Progressive Snapshot telematics program. Savings vary depending on your driving, telematics data, and mileage.
How does the Progressive safe driver discount work?
Safe drivers can enroll in Progressive’s Snapshot program when buying a new policy or by calling Progressive at 1 (877) 329-7283. Progressive collects data through the Snapshot mobile app or a plug-in device and determines your discount based on your driving habits.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Sources
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Mandy SleightInsurance Writer
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.