Anamarie Waite, Car Insurance Writer
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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