Grade B+ — Fair terms (score 80/100)
Progressive maintains standard terms with a broad license for user submissions, but notably lacks a forced arbitration clause or class action waiver.
Standard insurance terms. Perpetual license for submissions. No arbitration.
you grant to Progressive a perpetual, irrevocable, world-wide, royalty-free right and license to use, modify, publish, disclose, or exploit the Submission at Progressive's discretion.
Any ideas you send to the company become their property to use however they want, forever, without compensation.
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.
The company can change the terms at any time without notifying you, and you are bound by the new terms just by using the site.
you agree to indemnify, defend and hold us harmless from and against any claims, losses or costs (including reasonable attorneys' fees) arising from your provision of a phone number that is not your own
You are responsible for paying the company's legal fees if they are sued because of your actions.
You may unenroll from the Mobile Alert Service at any time by logging on to www.progressive.com and changing your Mobile Alert preferences.
You can opt out of mobile alerts easily through their website or by text.
Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Cuyahoga County, Ohio.
If you have a legal dispute, you must sue them in Ohio, regardless of where you live.
Last reviewed 2026-08-04 under rubric v3.5.