public company

Progressive

A public insurance company best known for auto insurance, usage-based pricing, and direct-to-consumer insurance shopping. Progressive is a major GEICO/State Farm/Allstate competitor with useful price competition, but its public-company control and telematics rating model keep it below mutual or cooperative insurance options.

Why this matters: Usage-based insurance can be a good deal for some drivers while also normalizing behavioral pricing and surveillance.

Letter grade D Extractive Medium confidence (AI) Rubric gcd-rubric-v1 Last reviewed May 11, 2026

Final Score 14* D - Extractive

DEXTRACTIVE14 pts

* Tentative scaffolding score. Not human-checked or final.

Base Material16

Bonus+2

Cap35Ownership <= 2 and Governance <= 2

After Cap18

Penalties-4

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Evaluation Overview

D - Extractive

The score turns mainly on Market Conduct, with the largest penalty coming from Surveillance Capture.

Strengths

Market Conduct3/5
Product Integrity3/5
Extraction2/10

Penalties

Surveillance Capture-3
Ideological Disavowal-1

Evidence state

ConfidenceMedium confidence (AI)
ThoroughnessDeveloped (AI)
Linked claims8
Direct axis claims7
Coverage7/13

Scoring Axes

Axis	Score	Why this score
Ownership ? Control rights: shareholder-dominated at 0, worker cooperative control at 10.	1 / 10	Progressive is a shareholder-governed public company, so formal insurance governance is not held by policyholders or workers. Progressive is a shareholder-governed public company, so formal insurance governance is not held by policyholders or workers. That keeps Progressive low on Ownership: decisive control remains with shareholders, private owners, executives, or state insiders rather than affected people. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. [1] Progressive is a shareholder-governed public company, so formal insurance governance is not held by policyholders or workers. [2] context Progressive's Snapshot privacy statement says driving-behavior data can be used for pricing, underwriting, claims, fraud investigation, research and development, and driving reports, and that received data may be retained indefinitely. [3] context Progressive provides real price competition in auto insurance, but usage-based pricing and underwriting remain asymmetric systems where the company knows far more than the customer. [4] context Progressive explains Snapshot data use more directly than many surveillance-pricing systems, reducing but not eliminating the opacity of behavioral insurance pricing. [5]
Governance ? Binding decision authority: centralized control at 0, democratic stakeholder control at 10.	1 / 10	Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. That keeps Progressive low on Governance: ordinary users, workers, customers, or affected communities cannot change the rules that govern them. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. [1] context Progressive is a shareholder-governed public company, so formal insurance governance is not held by policyholders or workers. [2] context Progressive's Snapshot privacy statement says driving-behavior data can be used for pricing, underwriting, claims, fraud investigation, research and development, and driving reports, and that received data may be retained indefinitely. [3] context Progressive provides real price competition in auto insurance, but usage-based pricing and underwriting remain asymmetric systems where the company knows far more than the customer. [4] context Progressive explains Snapshot data use more directly than many surveillance-pricing systems, reducing but not eliminating the opacity of behavioral insurance pricing. [5]
Extraction ? Surplus allocation, wage share, CEO pay ratio, margins, and structured extraction judgment.	2 / 10	Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. That keeps Progressive low on Extraction: the business model makes extraction from workers, users, suppliers, customers, or the public central rather than incidental. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. [1] context Progressive is a shareholder-governed public company, so formal insurance governance is not held by policyholders or workers. [2] context Progressive's Snapshot privacy statement says driving-behavior data can be used for pricing, underwriting, claims, fraud investigation, research and development, and driving reports, and that received data may be retained indefinitely. [3] context Progressive provides real price competition in auto insurance, but usage-based pricing and underwriting remain asymmetric systems where the company knows far more than the customer. [4] context Progressive explains Snapshot data use more directly than many surveillance-pricing systems, reducing but not eliminating the opacity of behavioral insurance pricing. [5]
Labor Sovereignty ? Worker power: coercive conditions at 0, co-determination or ownership at 7. Employee dissatisfaction matters only when source-backed evidence shows concrete limits on worker agency, such as coercive scheduling, retaliation, wage theft, harassment, unsafe conditions, suppression of worker voice, or extreme turnover.	1 / 7	Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. That keeps Progressive low on Labor Sovereignty: labor remains managerially controlled, replaceable, or exposed to coercive employment and contracting conditions. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. [1] context Progressive is a shareholder-governed public company, so formal insurance governance is not held by policyholders or workers. [2] context Progressive's Snapshot privacy statement says driving-behavior data can be used for pricing, underwriting, claims, fraud investigation, research and development, and driving reports, and that received data may be retained indefinitely. [3] context Progressive provides real price competition in auto insurance, but usage-based pricing and underwriting remain asymmetric systems where the company knows far more than the customer. [4] context Progressive explains Snapshot data use more directly than many surveillance-pricing systems, reducing but not eliminating the opacity of behavioral insurance pricing. [5]
Solidarity with the Unemployed ? Treatment of exits and nonworkers, including severance, redeployment, and non-competes.	1 / 7	Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. That keeps Progressive low on Solidarity with the Unemployed: the model provides little protection for people who leave, are excluded, or cannot bargain from employment. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. [1] context Progressive is a shareholder-governed public company, so formal insurance governance is not held by policyholders or workers. [2] context Progressive's Snapshot privacy statement says driving-behavior data can be used for pricing, underwriting, claims, fraud investigation, research and development, and driving reports, and that received data may be retained indefinitely. [3] context Progressive provides real price competition in auto insurance, but usage-based pricing and underwriting remain asymmetric systems where the company knows far more than the customer. [4] context Progressive explains Snapshot data use more directly than many surveillance-pricing systems, reducing but not eliminating the opacity of behavioral insurance pricing. [5]
Loss-Bearing Fidelity ? Willingness to absorb costs to preserve values, workers, users, and public obligations.	2 / 7	Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. That keeps Progressive low on Loss-Bearing Fidelity: losses, hazards, or adjustment costs are routinely pushed onto workers, customers, suppliers, communities, or the public. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. [1] context Progressive is a shareholder-governed public company, so formal insurance governance is not held by policyholders or workers. [2] context Progressive's Snapshot privacy statement says driving-behavior data can be used for pricing, underwriting, claims, fraud investigation, research and development, and driving reports, and that received data may be retained indefinitely. [3] context Progressive provides real price competition in auto insurance, but usage-based pricing and underwriting remain asymmetric systems where the company knows far more than the customer. [4] context Progressive explains Snapshot data use more directly than many surveillance-pricing systems, reducing but not eliminating the opacity of behavioral insurance pricing. [5]
Market Conduct ? Pricing fairness, switching costs, lock-in, and rent extraction.	3 / 5	Progressive provides real price competition in auto insurance, but usage-based pricing and underwriting remain asymmetric systems where the company knows far more than the customer. Progressive provides real price competition in auto insurance, but usage-based pricing and underwriting remain asymmetric systems where the company knows far more than the customer. That places Progressive in the middle of Market Conduct: the product has real value but still uses meaningful lock-in, gatekeeping, market power, or dependency. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Linked evidence context Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. [1] context Progressive is a shareholder-governed public company, so formal insurance governance is not held by policyholders or workers. [2] context Progressive's Snapshot privacy statement says driving-behavior data can be used for pricing, underwriting, claims, fraud investigation, research and development, and driving reports, and that received data may be retained indefinitely. [3] Progressive provides real price competition in auto insurance, but usage-based pricing and underwriting remain asymmetric systems where the company knows far more than the customer. [4] context Progressive explains Snapshot data use more directly than many surveillance-pricing systems, reducing but not eliminating the opacity of behavioral insurance pricing. [5]
Product Integrity ? Preservation of quality rather than degradation for monetization.	3 / 5	Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. That places Progressive in the middle of Product Integrity: the product has real use value but is compromised by incentives, monetization, lock-in, quality degradation, or risk. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Linked evidence Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. [1] context Progressive is a shareholder-governed public company, so formal insurance governance is not held by policyholders or workers. [2] context Progressive's Snapshot privacy statement says driving-behavior data can be used for pricing, underwriting, claims, fraud investigation, research and development, and driving reports, and that received data may be retained indefinitely. [3] context Progressive provides real price competition in auto insurance, but usage-based pricing and underwriting remain asymmetric systems where the company knows far more than the customer. [4] context Progressive explains Snapshot data use more directly than many surveillance-pricing systems, reducing but not eliminating the opacity of behavioral insurance pricing. [5]
Scale Integrity ? Whether growth improves or degrades fairness and accountability.	2 / 5	Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. That places Progressive in the middle of Scale Integrity: scale brings useful reach but also weakens accountability, transparency, or local constraint. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Linked evidence context Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing. [1] context Progressive is a shareholder-governed public company, so formal insurance governance is not held by policyholders or workers. [2] context Progressive's Snapshot privacy statement says driving-behavior data can be used for pricing, underwriting, claims, fraud investigation, research and development, and driving reports, and that received data may be retained indefinitely. [3] context Progressive provides real price competition in auto insurance, but usage-based pricing and underwriting remain asymmetric systems where the company knows far more than the customer. [4] context Progressive explains Snapshot data use more directly than many surveillance-pricing systems, reducing but not eliminating the opacity of behavioral insurance pricing. [5]

Penalties

Penalty	Applied	Why this penalty
Surveillance Capture ? Invasive surveillance, unreasonably non-optional tracking, facial recognition, biometric identification, or AI behavior scanning of customers, workers, bystanders, or the public. Range: -5 to 0.	-3	Progressive's Snapshot privacy statement says driving-behavior data can be used for pricing, underwriting, claims, fraud investigation, research and development, and driving reports, and that received data may be retained indefinitely. Progressive's Snapshot privacy statement says driving-behavior data can be used for pricing, underwriting, claims, fraud investigation, research and development, and driving reports, and that received data may be retained indefinitely. That warrants a substantial Surveillance Capture penalty because customers, workers, users, bystanders, or the public are exposed to invasive tracking, biometrics, or behavior scanning. The value is substantial but not at the floor because the linked record shows serious conduct without the strongest aggravating factors on this axis. Linked evidence Progressive's Snapshot privacy statement says driving-behavior data can be used for pricing, underwriting, claims, fraud investigation, research and development, and driving reports, and that received data may be retained indefinitely. [3]
Ideological Disavowal ? Concealed ideology presented as neutrality, expertise, professional necessity, public-service administration, market inevitability, or non-ideological common sense while exercising power. Range: -3 to 0.	-1	The competitor-coverage pass applies an Ideological Disavowal penalty because the entity presents ordinary investor-centered market governance, surveillance, or risk-pricing choices as… The competitor-coverage pass applies an Ideological Disavowal penalty because the entity presents ordinary investor-centered market governance, surveillance, or risk-pricing choices as neutral service administration rather than as contested institutional choices. That warrants a limited Ideological Disavowal penalty because the institution presents situated, contested choices as neutrality, expertise, inevitability, safety, or common sense. The value is limited because the linked record shows a real problem but not one that dominates the profile on this axis. Linked evidence The competitor-coverage pass applies an Ideological Disavowal penalty because the entity presents ordinary investor-centered market governance, surveillance, or risk-pricing choices as neutral service administration rather than as contested institutional choices. [8]

Bonus Credits

Bonus	Credit	Why this credit
Good Deal ? Credit for unusually fair value: durable quality, fair pricing, low lock-in, and clear customer surplus.	1 / 3	The competitor-coverage pass gives limited Good Deal credit because the entity provides broadly useful, price-competitive, or practically necessary service compared with adjacent competitors, while still lacking stakeholder control. The competitor-coverage pass gives limited Good Deal credit because the entity provides broadly useful, price-competitive, or practically necessary service compared with adjacent competitors, while still lacking stakeholder control. That supports partial Good Deal credit because ordinary users receive unusually fair value, durability, access, or surplus. The value remains partial because the linked record does not show the practice as comprehensive, durable, or central enough for full credit. Linked evidence The competitor-coverage pass gives limited Good Deal credit because the entity provides broadly useful, price-competitive, or practically necessary service compared with adjacent competitors, while still lacking stakeholder control. [6]
Cost Transparency ? Credit for clear posted prices, all-in fees, unit costs, public rate cards, margin/cost visibility, or surplus-allocation transparency, especially in markets where opaque quotes, hidden fees, or individualized pricing are normal.	1 / 3	The competitor-coverage pass gives limited Cost Transparency credit where the cited materials make pricing or data-use tradeoffs more explicit than adjacent competitors, though not enough to remove deeper market opacity. The competitor-coverage pass gives limited Cost Transparency credit where the cited materials make pricing or data-use tradeoffs more explicit than adjacent competitors, though not enough to remove deeper market opacity. That supports partial Cost Transparency credit because pricing, margins, fees, funding, or surplus allocation are made meaningfully legible. The value remains partial because the linked record does not show the practice as comprehensive, durable, or central enough for full credit. Linked evidence The competitor-coverage pass gives limited Cost Transparency credit where the cited materials make pricing or data-use tradeoffs more explicit than adjacent competitors, though not enough to remove deeper market opacity. [7]

Confidence Basis

Confidence is computed from the evidence trail and review state, not typed into the profile by hand.

Medium 74/100

8 verified linked claims 7 direct axis claims 0 disputed claims 7/13 components covered

This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.

Claim confidence 16/20

8 verified linked claims

Source quality 15/18

Best source per verified claim, weighted by institutional reliability

Direct axis-specific claims 9/18

7 direct claims across 13 active components

Dispute load 12/12

0 disputed claims on this entity

Recency 10/10

Newest accepted timestamp: May 13, 2026

Reviewer status 7/12

Human-reviewed components score higher than AI scaffolding

Component coverage 5/10

7/13 evidence-bearing components have direct support

Evidence State

Profile stateAI draft / human-pending

VerificationUnverified

ConfidenceMedium confidence (AI)

ThoroughnessDeveloped (AI)

Correction routeUse “Challenge this rating” for factual errors, missing counterevidence, source problems, or calculation mistakes.

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Claims and Sources

Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.

* Tentative scaffolding score. Not human-checked or final.

1Progressive sells auto and other personal and commercial insurance, including direct digital quotes and usage-based Snapshot pricing.

Product Integrity Verified High confidence AI-generated / human-pending May 11, 2026

AI scaffold

Progressive annual reportsPrimary institutional record · 90%
Progressive Snapshot privacy statementGeneral web source · 58%

2Progressive is a shareholder-governed public company, so formal insurance governance is not held by policyholders or workers.

Ownership Verified High confidence AI-generated / human-pending May 11, 2026

AI scaffold

Progressive annual reportsPrimary institutional record · 90%

3Progressive's Snapshot privacy statement says driving-behavior data can be used for pricing, underwriting, claims, fraud investigation, research and development, and driving reports, and that received data may be retained indefinitely.

Surveillance Capture Verified High confidence AI-generated / human-pending May 11, 2026

AI scaffold

Progressive Snapshot privacy statementGeneral web source · 58%

4Progressive provides real price competition in auto insurance, but usage-based pricing and underwriting remain asymmetric systems where the company knows far more than the customer.

Market Conduct Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

Progressive Snapshot privacy statementGeneral web source · 58%
Progressive annual reportsPrimary institutional record · 90%

5Progressive explains Snapshot data use more directly than many surveillance-pricing systems, reducing but not eliminating the opacity of behavioral insurance pricing.

Accountability Opacity Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

Progressive Snapshot privacy statementGeneral web source · 58%

6The competitor-coverage pass gives limited Good Deal credit because the entity provides broadly useful, price-competitive, or practically necessary service compared with adjacent competitors, while still lacking stakeholder control.

Good Deal Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

Progressive annual reportsPrimary institutional record · 90%
Progressive Snapshot privacy statementGeneral web source · 58%

7The competitor-coverage pass gives limited Cost Transparency credit where the cited materials make pricing or data-use tradeoffs more explicit than adjacent competitors, though not enough to remove deeper market opacity.

Cost Transparency Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

Progressive annual reportsPrimary institutional record · 90%
Progressive Snapshot privacy statementGeneral web source · 58%

8The competitor-coverage pass applies an Ideological Disavowal penalty because the entity presents ordinary investor-centered market governance, surveillance, or risk-pricing choices as neutral service administration rather than as contested institutional choices.

Ideological Disavowal Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

Progressive annual reportsPrimary institutional record · 90%
Progressive Snapshot privacy statementGeneral web source · 58%

Alternatives

Competitors

AGOOD51 Co-operative Insurance Companies member-owned regional mutual insurer · same market BQUALIFIED47 Common Ground Healthcare Cooperative nonprofit member-governed health-insurance cooperative · same market BQUALIFIED47 Community Health Options nonprofit member-led health-insurance plan · same market BQUALIFIED47 Mountain Health CO-OP nonprofit member-governed health-insurance cooperative · same market BQUALIFIED45 NJM Insurance Group regional mutual auto, home, renters, and umbrella insurer · same market BQUALIFIED45 PEMCO Insurance regional mutual auto, home, and renters insurer · same market BQUALIFIED42 Amica Mutual mutual insurance company · same market CPERFORMATIVE41 Shelter Insurance regional mutual property, casualty, and life insurer · same market

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