PGR · 10-Q · 2026Q3 · Full report

Snapshot Product Adoption

PROGRESSIVE CORP/OH/ · 2026-11-02 · Importance 25 · Surprise 32

Snapshot adoption among new personal auto customers increased 8% in the agency channel but decreased 4% in the direct channel year over year. About half of direct new-business customers elected Snapshot in both third-quarter periods. Agency adoption growth followed an expansion of Snapshot eligibility in the second half of 2025, which enabled more agents to write the product. Snapshot was available in every state except California, and the latest segmentation model covered states representing 85% of countrywide personal auto net premiums written excluding California.

Key facts

• In third quarter 2026, Snapshot adoption among new-business personal-auto customers increased 8% in agency and decreased 4% in direct year over year; about half of direct new-business customers elected Snapshot in both third quarter 2025 and 2026. source
• Snapshot is available in every state except California, and Progressive’s latest segmentation model covered states representing 85% of countrywide personal-auto net premiums written excluding California on a trailing 12-month basis at quarter end. source