# How Progressive uses H2O.ai

**14 billion** Miles of driving data analyzed

As published on [h2o.ai](https://h2o.ai/case-studies/progressive-h2o). Captured by usedby on 2026-11-04.

- Company: [Progressive](https://www.usedby.ai/companies/progressive.md)
- Tool: [H2O.ai](https://www.usedby.ai/tools/h2o-ai.md)
- Industry: [Insurance & InsurTech](https://www.usedby.ai/companies/industry/insurance-insurtech.md)
- Teams: Data and Analytics, Pricing, Claims, Marketing

## The use case: how Progressive deploys H2O.ai

Progressive pairs H2O with SAS and its existing data stack to build many machine learning models quickly on telematics data from its Snapshot usage-based insurance program. The models also support churn, fraud, claims, and marketing work.

Summary written by usedby from the source page, in English. The figures are those of H2O.ai and Progressive, not ours.

> H2O let the team move beyond GLMs to more sophisticated machine learning and build many models in far less time. Snapshot devices capture speed, time of day, and hard-braking events, and more recently GPS, which the models turn into individualized risk scores that raise or lower a driver's rate.

- **$500 million**: “has returned over $500 million in discounts to customers”
- **10 to 20 percent**: “who save 10 to 20 percent on average”

> With H2O we are able to build many models in a much shorter period of time.
>
> Pawan Divakarla, Data and Analytics Business Leader, Progressive

Source: [h2o.ai](https://h2o.ai/case-studies/progressive-h2o), captured 2026-11-04.

## Other AI tools used by Progressive

- [Retool](https://www.usedby.ai/tools/retool.md) — Observed

## H2O.ai users in Insurance & InsurTech

- [IFFCO-Tokio](https://www.usedby.ai/companies/iffco-tokio.md) — Confirmed
- [Jewelers Mutual](https://www.usedby.ai/companies/jewelers-mutual.md) — Confirmed
- [Nationwide](https://www.usedby.ai/companies/nationwide.md) — Confirmed
- [State Farm](https://www.usedby.ai/companies/state-farm.md) — Observed
- [Tokio Marine](https://www.usedby.ai/companies/tokio-marine.md) — Observed
- [Zurich Insurance](https://www.usedby.ai/companies/zurich-insurance.md) — Observed

## What usedby checked

We compared the story with its live page on 2026-11-04.

- Checked: the figure 14 billion is on the page; its label is our wording.
- Checked: the passage quoted above is copied word for word from the page, near the name of Progressive.
- Checked: Progressive uses H2O.ai. Confirmed line. Latest check across sources: 2026-11-04.
- Not checked: the result itself. We quote it; we did not measure it.

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Source: https://www.usedby.ai/case-studies/progressive-h2o-ai · How we check: https://www.usedby.ai/methodology