How much does Progressive pay-per-mile insurance cost? This question is about Progressive

Progressive pay-per-mile insurance costs an average of $145 less than a standard six-month policy. Progressive does not have pay-per-mile in its most literal form, where customers are charged a low base price plus a per-mile rate. But Progressive Snapshot is a usage-based insurance program, which is one form of pay-per-mile insurance. With usage-based insurance like Progressive Snapshot, your driving is monitored using your smartphone or a plug-in device provided by the company. Progressive adjusts your premium every time you renew your policy based on actual driving habits like: Total mileage Late-night driving Hard braking and accelerating Distracted driving It is possible your rates could increase with high-risk driving, but 8 out of 10 drivers see their rates go down with Progressive Snapshot, per the company’s data. You could also save $26 on your premium right away, just for signing up. But this discount isn’t available to drivers in Alaska, California, Hawaii, North Carolina, or New York. Progressive offers specific details about what you can expect from Snapshot in each state on its website. You can sign up for Snapshot when you purchase your policy or by calling 1-877-329-7283.

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How much does Progressive pay-per-mile insurance cost?

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This question is about Progressive

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Anamarie Waite, Car Insurance Writer

@anamarie.waite • 04/01/20 This answer was first published on 04/01/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Progressive pay-per-mile insurance costs an average of $145 less than a standard six-month policy. Progressive does not have pay-per-mile in its most literal form, where customers are charged a low base price plus a per-mile rate. But Progressive Snapshot is a usage-based insurance program, which is one form of pay-per-mile insurance.

With usage-based insurance like Progressive Snapshot, your driving is monitored using your smartphone or a plug-in device provided by the company. Progressive adjusts your premium every time you renew your policy based on actual driving habits like:

Total mileage
Late-night driving
Hard braking and accelerating
Distracted driving

It is possible your rates could increase with high-risk driving, but 8 out of 10 drivers see their rates go down with Progressive Snapshot, per the company’s data. You could also save $26 on your premium right away, just for signing up. But this discount isn’t available to drivers in Alaska, California, Hawaii, North Carolina, or New York. Progressive offers specific details about what you can expect from Snapshot in each state on its website.

You can sign up for Snapshot when you purchase your policy or by calling 1-877-329-7283.

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How can I get Progressive's paid-in-full discount?

To get the Progressive paid-in-full discount, drivers need to pay for six months of coverage upfront. Customers is California and New York can’t get this discount due to state laws about the factors car insurance companies can use to set rates and discounts. Progressive does not provide specific information about how much you can expect to save by paying in full. But paid-in-full discounts from other major car insurance companies range from about 8% to 20%.

If you can’t pay in full...

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Does paying car insurance build credit?

Car insurance payments do not build credit because car insurance companies do not lend money. Credit scores are based on the contents of TransUnion, Equifax and Experian credit reports, which document our history borrowing and repaying money via loans and lines of credit. Given that on-time car insurance payments are not listed on credit reports, they will not help you build credit.

You can check your latest TransUnion credit report for free on WalletHub to see for yourself that a history...

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Does Progressive offer a defensive driving course discount?

Progressive does not advertise a defensive driving discount on its website, but you may still be able to get one. Progressive may lower your rates by about 5% if you complete an approved defensive driving course and meet certain qualifications. You may need to be a certain age, have a clean driving record, take the course voluntarily (not by court order), or meet other state-specific criteria to be eligible. You’ll have to speak to a...

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