UBI Labs: Snapshot® Privacy Statement

(Last updated August 22, 2019)

At Progressive, we're committed to protecting your privacy and earning your trust. We understand that you value your privacy, and that you may have questions about how we use the data collected through our Snapshot program. That's why in addition to our commitment to you in our Privacy Policy, available at www.progressive.com, we want to clearly describe the data we receive and how we will use the data.

Snapshot allows you to get a personalized car insurance rate based on how you drive. While we still take into account traditional factors in providing your quote or determining your rate, like the type of vehicle you drive and previous accidents or traffic violations, Snapshot also considers your actual driving behavior.

Remember, participating in a Snapshot program is completely voluntary. Let us know if you have any questions or comments about Snapshot.

Data Sources

You can choose to provide data for the Snapshot program to us from one of these 3 sources:

  • Using our Snapshot device, which plugs into your vehicle (the "Device")
  • Through the Snapshot mobile app, which collects data using a smartphone application (the "App") or
  • Through other sources, such as technology built into or added to your vehicle, or a mobile app supplied by another party (collectively, "Third Party Sources")

In all cases, Snapshot data is encrypted when transmitted to us.

Please select the source that applies to you to learn more:

The Device

Device Data Received

The Snapshot device plugs into the Onboard Diagnostic port of your car and records vehicle speed and time of day, when the device is plugged in and unplugged from the vehicle, the Vehicle Identification Number, and may record G-force and vehicle location using GPS. Other information, such as trip duration, miles driven, and rates of acceleration and braking, is derived from the data provided.

How We Use the Device Data

Snapshot focuses on how safely, how much and when you drive. Personally identifiable Snapshot data is treated as Application Information under our Privacy Policy.

We use the data we receive to calculate your Snapshot score, which, along with other traditional rating factors, determines your insurance quote, the rate you will pay when your policy renews, or pricing for a future policy.

The data we receive may also be used

  • For underwriting purposes, including verification of information provided by you or with your consent.
  • For rating purposes, including verification of information provided by you or with your consent.
  • To assist in resolving insurance claims. This may include, without limitation, detecting when an accident may have occurred and offering assistance to you at the scene, validating the circumstances of the incident, such as date and time of loss, vehicle identification, and accident location.
  • For research and development.
  • To provide you with reports on your driving behavior.

After driving data is sent to us from a Device, it is deleted from the Device.

We limit access to the data we receive and use physical, electronic and procedural safeguards to help protect it and your privacy. We will retain this data indefinitely.

If you are a Progressive policyholder, you'll be able to review reports on your driving habits produced from Snapshot data we receive through the Device by logging in to your policy on www.progressive.com, www.progressive.com/agent, or the Progressive app.

When We May Disclose the Device Data to Others

We may share personally identifiable Snapshot data with third parties to service your insurance policy, detect or prevent fraud, perform research, market our or our affiliates' products and services to you, or as required or permitted by law. For example, such data may be disclosed:

  • When we're legally required to provide the data, such as in response to a subpoena in a civil lawsuit or by police when investigating the cause of an accident
  • To a state department of insurance to support renewal rates
  • To service providers who are contractually required to maintain its confidentiality or
  • To assist in resolving an insurance claim, including sharing data in litigation or with other insurers for subrogation purposes

You may limit some of the marketing of our or our affiliates' products and services to you by calling us at 844-582-5040. Your choice will apply to all people listed on your policy.

We may share de-personalized Snapshot data more broadly. De-personalizing the data means that we remove personally identifiable information so that the data cannot be associated with a particular driver or policyholder.

The App

App Data Received

The App records driving data, mobile phone information and App analytics information.

  • Driving data includes information such as vehicle speed and location using GPS, time information and data from the phone's sensors such as magnetometer, gyroscope, barometer, proximity and accelerometer. Other information, such as trip duration, and rates of acceleration and braking, phone usage, whether your phone use is hands-free, and trip classification, is derived from the speed, location, time, and sensor information. Because the App is not connected to your vehicle, it will collect the driving information of any vehicle you occupy, even as a passenger.
  • Mobile phone information includes Wi-Fi status, whether your screen is locked, whether you are calling or otherwise using your phone, motion activity or activity recognition, whether the phone is connected to a Bluetooth® device, date/time stamp and operating system data available to the App. The App does not record the content of your communications or the identity of the person with whom you are communicating, or the app(s) you are using.
  • App analytics information includes how often you use the App, which mobile screens you have viewed in the App, which referring/exit pages you have entered and left in the App, aggregated App usage, App performance data and other App activity.

How We Use App Data

Snapshot focuses on how safely, how much and when you drive. Personally identifiable Snapshot data is treated as Application Information under our Privacy Policy.

We use the data we receive to calculate your Snapshot score, which, along with other traditional rating factors, determines your insurance quote, the rate you will pay when your policy renews, or pricing for a future policy.

The data we receive may also be used

  • For underwriting purposes, including verification of information provided by you or with your consent.
  • For rating purposes, including verification of information provided by you or with your consent.
  • To assist in resolving insurance claims. This may include, without limitation, detecting when an accident may have occurred and offering assistance to you at the scene, validating the circumstances of the incident, such as date and time of loss, vehicle identification, and accident location.
  • For research and development.
  • To provide you with reports on your driving behavior.

Driving data and mobile phone information collected by the App will be retained on your mobile phone for several days and will then be deleted from the App, but an overview report of your driving behavior will be available in the App for a limited time.

We limit access to the data we receive and use physical, electronic and procedural safeguards to help protect it and your privacy. We will retain this data indefinitely.

App analytics information is used to help us understand how you interact with the App, so that we can continue to improve the experience.

If you are a Progressive policyholder, you'll be able to review reports on your driving habits produced from Snapshot data we receive through the Device by logging in to your policy on www.progressive.com, www.progressive.com/agent, or the Progressive app.

When We May Disclose App Data to Others

We may share personally identifiable Snapshot data with third parties to service your insurance policy, detect or prevent fraud, perform research, market our or our affiliates' products and services to you, or as required or permitted by law. For example, such data may be disclosed:

  • When we're legally required to provide the data, such as in response to a subpoena in a civil lawsuit or by police when investigating the cause of an accident
  • To a state department of insurance to support renewal rates
  • To service providers who are contractually required to maintain its confidentiality or
  • To assist in resolving an insurance claim, including sharing data in litigation or with other insurers for subrogation purposes

You may limit some of the marketing of our or our affiliates' products and services to you by calling us at 844-582-5040. Your choice will apply to all people listed on your policy.

We may share de-personalized Snapshot data more broadly. De-personalizing the data means that we remove personally identifiable information so that the data cannot be associated with a particular driver or policyholder.

Third Party Sources

Third Party Sources Data Received

For Third Party Sources that collect your driving data through technology built into or added to your vehicle, your driving data, which includes vehicle speed, time information and odometer readings, is collected by others and provided to us with your consent. For Third Party Sources that collect your driving data through a mobile app supplied by another party, the other party will provide to us driving information, mobile phone information and app analytics information, similar to that described above in connection with the App. Other information, such as trip duration, miles driven, phone usage, trip classification, and rates of acceleration and braking, is derived from the data provided.

How We Use the Third Party Sources Data

Snapshot focuses on how safely, how much and when you drive. Personally identifiable Snapshot data is treated as Application Information under our Privacy Policy.

We use the data we receive to calculate your Snapshot score, which, along with other traditional rating factors, determines your insurance quote, the rate you will pay when your policy renews, or pricing for a future policy.

The data we receive may also be used

  • For underwriting purposes, including verification of information provided by you or with your consent.
  • For rating purposes, including verification of information provided by you or with your consent.
  • For research and development.

We limit access to the data we receive and use physical, electronic and procedural safeguards to help protect it and your privacy.

When We May Disclose the Third Party Sources Data to Others

We may share personally identifiable Snapshot data with third parties to service your insurance policy, detect or prevent fraud, perform research, market our or our affiliates' products and services to you, or as required or permitted by law. For example, such data may be disclosed:

  • When we're legally required to provide the data, such as in response to a subpoena in a civil lawsuit or by police when investigating the cause of an accident
  • To a state department of insurance to support renewal rates and/or
  • To service providers who are contractually required to maintain its confidentiality

You may limit some of the marketing of our or our affiliates' products and services to you by calling us at 844-582-5040. Your choice will apply to all people listed on your policy.

We may share de-personalized Snapshot data more broadly. De-personalizing the data means that we remove personally identifiable information so that the data cannot be associated with a particular driver or policyholder.