Progressive Corporation
Financials
52
out of 100. Number 197 of 512, counting from the worst.
Where Progressive Corporation does well
- Arbitration 2 of 20. Few problems found.
- No forced arbitration anywhere: Progressive's website terms route disputes to court (exclusive Ohio venue) instead of binding arbitration, and its insurance policies use optional/electable arbitration rather than mandatory clauses — a real contrast with peers.
- The GLBA privacy notice states 'Progressive does not share with nonaffiliates so they can market to you' and does not share creditworthiness data with affiliates, both better than the industry norm.
- It honors Global Privacy Control browser signals, runs an opt-out portal (privacyrequest.progressive.com), and publishes its CCPA request metrics (e.g., 1,214 opt-out requests received, 1,137 honored).
- Snapshot is genuinely voluntary ('participating in a Snapshot program is completely voluntary'), and the app does not record the content of your communications, the identities of people you call, or the other apps you use.
- It also pledges not to discriminate against you for exercising CCPA rights.
Your driving data (speed, time of day, GPS location, phone usage, braking/acceleration patterns) is kept forever, and Progressive uses it to 'calculate your Snapshot score, which... determines your insurance quote, the rate you will pay when your policy renews, or pricing for a future policy.' In other words: the discount program's data never goes away and is actively used to raise — or keep high — your future premiums.
The fine print
6 clauses and findings from the draft archive, dated 1 October 2026. The plain English comes first; the small print is the company's own words. None of these has been checked yet.
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Your driving data (speed, time of day, GPS location, phone usage, braking/acceleration patterns) is kept forever, and Progressive uses it to 'calculate your Snapshot score, which... determines your insurance quote, the rate you will pay when your policy renews, or pricing for a future policy.' In other words: the discount program's data never goes away and is actively used to raise — or keep high — your future premiums.
We will retain this data indefinitely.
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Progressive openly admits it sells or shares your identifiers, browsing activity, employment info, and purchase history with advertising networks, lead aggregators, data analytics providers, and data brokers — explicitly including 'Cross-Context Behavioral Advertising' (targeted ads built from tracking you across other companies' sites) and 'lead monetization' (selling you as a sales lead). Opt-out requires proactively visiting privacyrequest.progressive.com.
We may sell, or share for Cross-Context Behavioral Advertising Purposes, Identifiers, Internet or Other Electronic Network Activity Information, Professional or Employment-Related Information, and Commercial Information.
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The driving data you hand over for a discount can be turned around and used against you: to deny or reduce a claim, to investigate you for fraud, or in lawsuits — and Progressive says it will hand your data to police in response to a subpoena or an accident investigation. Since the app also collects 'the driving information of any vehicle you occupy, even as a passenger,' other people's driving behavior can end up in your record.
To assist in resolving insurance claims. This may include, without limitation, sharing location information with law enforcement in the event a theft is reported; ... making liability and coverage determinations, conducting investigations of policy and/or claims fraud and material misrepresentations, and using for any potential subrogation or litigation involving the claim.
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Progressive can change its site terms whenever it wants, and simply continuing to use the website counts as you agreeing to the new terms — no notice, no opt-in. The Snapshot Road Test terms carry the same 'we may modify at any time; continued participation = acceptance' language, and Progressive reserves 'in its sole discretion' to re-collect driving data and re-score you, with 'our interpretation of what the score means in terms of pricing' changing over time.
Progressive Casualty Insurance Company and its affiliated companies ('Progressive') reserve the right to modify these Terms of Use at any time. Continued use of this site by you will constitute your acceptance of any revisions to the Terms of Use.
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Cancel your policy and Progressive keeps sharing your personal information the same way it did when you were a customer. Combined with indefinite Snapshot data retention and a retention rule that only looks to 'statutes of limitations and whether we think we might need the information for court or other official proceedings,' leaving Progressive does not meaningfully end its use of your data.
When you are no longer our customer, we continue to share your information as described in this notice.
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Every customer in every state must sue Progressive's website disputes exclusively in its home county near Cleveland, Ohio — regardless of where you live. On top of that, any idea or material you submit to Progressive (marketing ideas, photos, videos) grants it 'a perpetual, irrevocable, world-wide, royalty-free right and license to use, modify, publish, disclose, or exploit the Submission at Progressive's discretion' — a classic IP grab.
Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Cuyahoga County, Ohio.
How these were found
All core documents were read directly from progressive.com via browser_open on 2026-10-01 (no mirrors needed): (1) Privacy Policy at /mobile-privacy/, last updated January 15, 2026, including the GLBA privacy notice and California CCPA Supplement (last updated June 25, 2025); (2) Snapshot Privacy Statement at /support/legal/snapshot-privacy-statement/, last updated July 13, 2020; (3) Terms and Conditions For Using Progressive's Web Site at /copyright/, last updated July 09, 2020; (4) Snapshot Road Test Terms & Conditions at /support/legal/snapshot-road-test-terms-conditions/, last updated March 24, 2022. The auto-renewal mechanics (28-day renewal notice, 28-day-notice-based auto-renewal for autopay customers, $50 early-term cancellation fee in some states) come from third-party writeups (WalletHub, shunins.com, insuredandmore.com) rather than a public-facing Progressive policy document, because Progressive's actual auto-policy contract language is not published on its site; treat the renewal mechanics as corroborated-but-indirect. Some pages render with duplicated content (the privacy policy page embeds the Snapshot statement and Notice at Collection). Policy contract specifics (PIP arbitration electable in some states, per Holiday v. Progressive, D. Utah 2022) were cross-checked against court records.
These notes come from the original draft and are not independent verification.