If you join the Snapshot program, Progressive continuously monitors your driving behavior including how fast you go, how hard you brake, and when you drive, and uses that data to set your insurance premium.
This analysis describes what Progressive's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This is one of the most expansive data collection practices in consumer insurance: your real-time behavioral and location data is collected continuously and directly tied to how much you pay for coverage.
Participating in Snapshot means Progressive collects ongoing data about your driving habits and physical location, which can raise or lower your insurance premium based on how you drive. Withdrawing from the program may not automatically delete historical telematics data already collected.
How other platforms handle this
At Ledger, earning and maintaining our users' trust is a top priority. That's why we are deeply committed not only to protecting your privacy and securing your personal data, but also to being fully transparent about how we handle it.
If we collect health information from these integrations (such as heart rate), we will not sell or use it for advertising or other similar purposes; we do not disclose it to third parties without your prior consent; and we will only use it for the specific purposes described in this Policy.
We collect your personal data when you use our Services, create a new eBay account, provide us with information via a web form, add or update information in your eBay account, participate in online community discussions or otherwise interact with us.
Monitoring
Progressive has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 25 platforms.
"The Snapshot program uses a device or mobile app to collect information about how, how much, and when you drive. This includes information such as speed, braking, time of day, and miles driven. We use this information to calculate your insurance rate.— Excerpt from Progressive's Progressive Privacy Policy
REGULATORY LANDSCAPE: Continuous collection of location and driving behavior data implicates state-level location privacy statutes and, depending on how the data is processed, may engage the Illinois Biometric Information Privacy Act if any biometric identifiers are associated with driving profiles. The FTC has issued guidance on connected devices and data minimization principles that apply to telematics. State insurance regulators in California, New York, and other jurisdictions have authority over whether telematics-based pricing is actuarially justified and transparently disclosed to consumers. GOVERNANCE EXPOSURE: High. Continuous behavioral and location data collection from policyholders creates heightened exposure under state privacy laws, insurance rating statutes, and emerging connected-vehicle regulations. The scope of data retention and whether telematics data is ever shared with or sold to third parties beyond rate calculation is a material disclosure gap that compliance teams should verify. JURISDICTION FLAGS: California residents have CCPA rights to know what telematics data has been collected and to request deletion; the California Privacy Protection Agency has authority to enforce these rights. Illinois BIPA creates additional exposure if any behavioral data is linked to biometric identifiers. Several states have enacted or are considering location data privacy laws that may require explicit opt-in consent for continuous location tracking. CONTRACT AND VENDOR IMPLICATIONS: If telematics data is processed by a third-party analytics vendor, data processing agreements must include CCPA-compliant service provider restrictions and should address retention limits, deletion obligations, and restrictions on secondary use. Procurement teams should assess whether Snapshot device manufacturers or app partners have access to raw location data and whether those relationships are documented in vendor agreements. COMPLIANCE CONSIDERATIONS: Compliance teams should audit the consent mechanism at Snapshot enrollment to confirm it satisfies opt-in requirements where applicable, and review data retention schedules for telematics data. A data mapping exercise should document what Snapshot data is stored, for how long, and which vendors have access. Progressive's privacy policy should be reviewed to confirm whether telematics data is included in the categories subject to California opt-out rights.
Full compliance analysis
Regulatory citations, enforcement risk, and due diligence action items.
Free: track 1 platform + weekly digest. Monitor: 25 platforms + same-day alerts. No credit card required.
Ad personalization controls removed. Contact scanning added. Advertiser data partnerships quietly dropped. A timeline of every change.
Compliance Governance Intelligence
Need to monitor specific governance provisions?
Compliance includes provision-level monitoring, governance timelines, regulatory mapping, and audit-ready analysis.
Built from archived source documents, structured governance mappings, and historical version tracking.
This is one of the most expansive data collection practices in consumer insurance: your real-time behavioral and location data is collected continuously and directly tied to how much you pay for coverage.
Participating in Snapshot means Progressive collects ongoing data about your driving habits and physical location, which can raise or lower your insurance premium based on how you drive. Withdrawing from the program may not automatically delete historical telematics data already collected.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Progressive.