Progressive
Progressive is the largest U.S. private auto insurer by premiums, offering auto, home, renters and commercial insurance through direct-to-consumer and independent-agent channels. Known for its Flo advertising and Snapshot telematics program, Progressive wrote $83.2 billion in net premiums in 2025.
Score generated by AI agents based on publicly cited evidence and reviewed by the project maintainer. Not independently validated. Last assessed 2026-10-01. Score revised 2026-10-01: 52 → 51.
Score History
Timeline events are AI-curated from public reporting. Score trajectory is derived from documented events.
Joseph Lewis and Jack Green found Progressive Mutual Insurance Company in Cleveland in 1937. In 1956 the company creates Progressive Casualty to insure 'nonstandard' high-risk drivers that mainstream insurers rejected, and grows in that niche largely unchallenged. It goes public in 1971 and lists on the NYSE in 1987 as premiums pass $1 billion. Claims and pricing practices in this period are unremarkable.
Progressive launches the 1-800-AUTO-PRO comparison quote service in 1994, the first auto insurer website in 1995 and real-time online purchase in 1997, and begins usage-based insurance tests in 1998. Glenn Renwick takes over insurance operations in 2000; by 2004 net premiums reach $13.4 billion with a 14.9% underwriting margin against a 4% target. In 2007 investigators posing as churchgoers spy on claimants, and a recapitalization returns $1.4 billion through a $2 extraordinary dividend alongside a 100 million share buyback authorization.
The Flo campaign debuts in January 2008 and MyRate usage-based insurance launches the same year (renamed Snapshot in 2011); the Name Your Price quote tool follows in 2009. Progressive's handling of the Kaitlynn Fisher underinsured-motorist claim (2010-2012) becomes a public scandal. In 2015 Snapshot begins raising rates for risky drivers, Progressive buys a controlling stake in home insurer ASI for about $875 million, and a Snapshot phone app pilot expands data collection.
Tricia Griffith becomes CEO. Auto-home bundling built on ASI adds an extra $750 million of auto premiums in 2019, ProPublica's 2017 analysis names Progressive among insurers with racial pricing disparities in Chicago, and Rhode Island has it refund about $2 million for improper surcharges in 2019. Media spend triples from $650 million (2016) to nearly $2 billion (2020). During COVID it credits 20% of two months' premiums while quarterly profit jumps $811 million, and in 2021 it buys Protective Insurance.
As used-car and repair inflation hits, Progressive raises auto rates early and hard (more than 13% in 2022) and its CEO vows to be 'aggressive' with rates in 2023. To restore margins it cuts 2023 advertising 21% and tightens underwriting to slow growth, and in October 2023 it non-renews 100,000 Florida homeowners and landlord policies. NY DFS fines it $2 million in 2022 for late DMV reporting, and rate filings such as West Virginia's 19.78% continue into 2024.
With margins restored, Progressive declares it will 'maximize' growth and raises advertising to $4.0 billion in 2024 and $5.1 billion in 2025, running combined ratios near 87 and declaring $8.1 billion of dividends in 2025. It sheds catastrophe-exposed home business (115,000 Florida policies, a Texas new-business halt, bundle-only home sales) and settles total-loss class actions in New York, Michigan, Georgia and Colorado. Auto rates flatten and some fall from 2025, Florida drivers get $1.2 billion in excess-profit credits, and in 2026 S&P ranks Progressive the largest U.S. private auto insurer while a Tulsa jury returns a $40 million bad-faith verdict.
Alternatives
Mutual insurance company owned by policyholders rather than shareholders, so its underwriting profits are not paid out as dividends to outside investors the way Progressive's are. Moderate switch: get a quote and switch at renewal to avoid any coverage gap.
Consistently top-ranked for claims satisfaction and customer service, with significantly lower enshittification than the major insurers. Major caveat: eligibility is restricted to active military, veterans, and their immediate families. If you qualify, it's the clearest upgrade in auto insurance.
Dimensional Breakdown
Summaries below were written by AI agents based on the cited evidence. They are editorial interpretations, not independent research findings.
Dimension History
Timeline (55 events)
Progressive Casualty Insurance begins nonstandard auto coverage
Progressive creates a subsidiary, Progressive Casualty Insurance Company, to specialize in insuring high-risk 'nonstandard' drivers that mainstream insurers rejected. This niche strategy let Progressive grow virtually unchallenged through the 1970s, with premiums quadrupling from $38 million to $112 million between 1975 and 1978.
Progressive goes public with 110,000-share IPO
Peter Lewis takes Progressive public in 1971, listing 110,000 shares. The move provides capital for national expansion and introduces shareholder profit expectations into the mutual-insurance-originated company. Progressive later lists on the NYSE in 1987 as premiums surpass $1 billion.
Progressive launches 1-800-AUTO-PRO comparison rating service
Progressive introduces the industry's first toll-free comparison rating service, giving consumers a Progressive quote alongside rates from up to three competitors. This price transparency innovation drives market share growth but also establishes Progressive's strategy of controlling the comparison frame to its advantage.
Progressive becomes first auto insurer with a website
Progressive launches auto-insurance.com, becoming the first auto insurance group to have a web presence. By 1997, Progressive enables real-time online policy purchases, a first in the industry. The direct-to-consumer digital channel reduces distribution costs but creates an environment where quote-flow design can influence purchase decisions.
Progressive begins testing usage-based insurance
Progressive begins experimenting with usage-based insurance, pricing coverage on how customers actually drive; in 2023 the company marked 25 years of usage-based insurance. It later pilots TripSense (2004), launches MyRate (2008) and rebrands the program as Snapshot (2011). The program collects granular driving data with limited transparency about how it affects pricing.
Glenn Renwick takes over insurance operations from Peter Lewis
Glenn Renwick, a former Bell Labs engineer who joined Progressive in 1986, is named CEO of insurance operations in 2000 and CEO of the parent company in 2001, succeeding Peter Lewis. He leads Progressive's push into e-commerce, telephone direct sales, online price comparisons and the usage-based Snapshot program until July 2016.
Progressive's net premiums written surpass $13 billion
Progressive's net premiums written reach $13.4 billion in 2004, up from $11.9 billion in 2003, with total revenues of $13.8 billion and more than 27,000 employees. The company targets a 4% underwriting margin (a 96 combined ratio) and earns 14.9%, while the industry earns far less. This shareholder-value discipline becomes a defining feature of Progressive's financial model.
Progressive granted patent on telematics insurance pricing system
Progressive Casualty is granted US Patent 6,868,386, 'Monitoring system for determining and communicating a cost of insurance,' one of a series of patents on the methods and systems behind its usage-based insurance program. The patents give Progressive proprietary control over how driving data translates to pricing, while policyholders cannot see how specific data points affect their rates.
Progressive hires investigators to infiltrate church to spy on claimants
Progressive hired private investigators to pose as church congregation members to collect information on litigants seeking compensation from the company. The deception was exposed, leading to lawsuits against Progressive for invasion of privacy and fraud. Progressive apologized but the incident revealed aggressive claims-suppression tactics.
Progressive announces $1.4 billion extraordinary dividend in recapitalization
Progressive's board approves a recapitalization plan: a $2.00 per share extraordinary cash dividend (about $1.4 billion, paid September 2007), authorization to buy back up to 100 million shares over two years, and about $1 billion of new hybrid debt. Over 2007-2009 Progressive repurchased about 94 million shares for $1.9 billion.
Flo character debuts, launching era of massive ad spending
Progressive introduces 'Flo,' played by Stephanie Courtney, in the 'Superstore' TV campaign. The campaign becomes one of the longest-running and most recognizable in insurance advertising, and Flo has since appeared in more than 100 ads. Progressive's ad spending later climbs to nearly $3.5 billion in 2024, all funded by policyholder premiums.
Progressive launches MyRate usage-based insurance, later rebranded Snapshot
Progressive evolves its usage-based insurance program into MyRate, giving drivers a rate based on how they actually drive, and rebrands it as Snapshot in 2011. A plug-in device measures driving behavior such as hard braking, mileage and time of day, but Progressive does not disclose how these factors are weighted in pricing.
Progressive launches Name Your Price tool with conversion-optimized design
Progressive debuts the Name Your Price tool, a Flash-based slider that lets customers start from the price they want to pay and see coverage options change in real time. Progressive's IT team built it to raise the share of shoppers who finish a quote, and a spokeswoman said it yielded a 5% increase in customers who buy after starting a quote online, showing its value as a sales funnel rather than a consumer education tool.
Kaitlynn Fisher killed; Progressive fights her underinsured-motorist claim in court
Kaitlynn Fisher, a Johns Hopkins-educated Progressive policyholder, is killed in June 2010 when another driver allegedly runs a red light in Baltimore. Her family seeks $75,000 under her underinsured-motorist coverage; Progressive refuses, and at the family's suit against the other driver Progressive contests fault, which the family says amounted to defending her killer. A jury finds the other driver at fault. After her brother's blog post goes viral in August 2012, Progressive settles for an amount in the 'tens of thousands' that the family's lawyer says is exactly what they asked for.
Former claims employee describes sudden Virtual Claim Unit setup and layoffs
A former Progressive claims generalist's Glassdoor review describes a Virtual Claim Unit set up by corporate within a day, little advance communication from management, an immediate office downsizing, and layoffs shortly after.
Justia analysis warns Snapshot raises insurance privacy concerns
Legal analysis published on Justia Verdict warns that Progressive's Snapshot pilot raises privacy questions about how telematics data could be stored and reused, for example by other insurers, employers or data aggregators. The column notes that many states require approval of new rating methods but that most had no rules preventing pay-as-you-drive programs.
Progressive begins raising rates for risky Snapshot drivers
Progressive's annual report says a new Snapshot program 'for the first time' increases rates for a small number of drivers whose driving behavior justifies it, while giving more drivers discounts. The new model, tested in Missouri, moves telematics from a discount-only tool to a two-way pricing lever that can penalize as well as reward.
Progressive acquires ASI for $875M to enter homeowners insurance
Progressive completes acquisition of a controlling interest in ARX Holding Corp., parent of American Strategic Insurance, for approximately $875 million. The deal gives Progressive entry into homeowners insurance and enables the bundling strategy (auto + home) that will become a key customer lock-in mechanism. By 2019, bundling generates an additional $750 million in auto premiums.
Progressive launches Snapshot mobile app pilot
Progressive pilots a Snapshot mobile app built by Censio as an alternative to the plug-in device, measuring time of day, mileage and hard braking from the driver's phone, with a full rollout planned for 2016. By then Progressive had more than 3 million Snapshot participants and had collected more than 14 billion miles of driving data.
Tricia Griffith appointed CEO as Glenn Renwick retires
Tricia Griffith becomes Progressive's CEO, replacing Glenn Renwick after more than 15 years as CEO. Griffith, who joined as a claims representative in 1988, accelerates the company's focus on technology-driven pricing, advertising dominance, and aggressive market share growth. Under her leadership, Progressive grows from the fourth-largest U.S. auto insurer into the largest.
ProPublica investigation finds racial disparities in Progressive's pricing
A ProPublica and Consumer Reports analysis finds that many insurers charge higher premiums in predominantly minority neighborhoods than in similarly risky white ones. The main article does not single out Progressive, but ProPublica's methodology names Progressive among four insurers whose prices within Chicago showed racial disparities above 10%. California later opened an investigation into eight insurers named in the analysis, all subsidiaries of Nationwide, USAA and Liberty Mutual.
Rhode Island orders $2M refund for improper surcharging of 4,933 policies
The Rhode Island Department of Business Regulation discovers Progressive surcharged 4,933 policies using a six-month renewal period instead of the legally required twelve-month period, overcharging customers over a five-year period. Progressive agrees to issue $1.9 million in refunds to 4,096 former policyholders, $80,000 in credits to 837 current policyholders, and pay a $10,000 fine.
Progressive ad spending triples from $650M to nearly $2B in four years
Progressive's media spend triples from $650 million in 2016 to nearly $2 billion in 2020, according to a 2024 company presentation, raising its share of total insurance industry advertising from 11% to 20%. The escalation is funded by policyholder premiums.
Bundling generates $750M in additional auto premiums, deepening switching costs
Progressive says its auto-home bundling strategy, enabled by the 2015 ASI acquisition, brought in an extra $750 million in auto premiums in 2019 because it also offered homeowners policies, which CEO Tricia Griffith equated to nearly $5 billion in lifetime earned premium. Multi-policy discounts mean customers must coordinate replacement of auto, home, and umbrella policies simultaneously to avoid coverage gaps or losing bundling benefits.
CEO Griffith's compensation reaches $15.2M as employee workload pressure grows
CEO Tricia Griffith earns over $15 million in total 2020 compensation, including a $980,770 salary, a $4.7 million bonus, and $9.5 million in stock. The Gainshare bonus program ties employee cash bonuses to company results, shifting compensation risk to employees.
Consumer group says Progressive kept $800M COVID windfall despite 20% credits
After Progressive credits auto customers 20% of April and May premiums as driving plummets, the Consumer Federation of America says the insurer's second-quarter net income rose $811 million (83%) on the drop in accidents, calling it a coronavirus windfall. CFA argues the credits were insufficient to keep rates from being excessive and urges regulators to require larger refunds.
TTEC vendor breach exposes 350,000 Progressive customers' data
A security incident at TTEC, one of Progressive's third-party call center vendors, results in unauthorized individuals viewing personal information of approximately 350,000 customers from May 2021 to May 2023. Exposed data includes Social Security numbers, driver's license numbers, financial account numbers, and credit card details. Progressive later settles the resulting class action for $3.25 million.
Progressive acquires Protective Insurance for $338M
Progressive completes the acquisition of Protective Insurance Corporation for approximately $338 million, adding fleet trucking and workers' compensation coverage to its commercial lines. The acquisition extends Progressive's competitive reach into commercial transportation insurance and deepens its market consolidation strategy.
Progressive begins aggressive rate hikes ahead of competitors
Progressive raises auto rates early as post-COVID used-car and repair inflation takes off, having raised premiums consistently for a year by the time car prices peaked in late 2022; competitors take six months to a year to catch up. Progressive loses policies in 2021 and 2022, but once rivals' rates rise it captures customers shopping away from slower-to-adjust competitors.
Progressive CEO announces plans for 'aggressive' rate increases
CEO Tricia Griffith tells shareholders Progressive intends to 'be aggressive with raising rates' over the rest of 2023 after a 4% companywide increase in the first quarter and rate increases totaling more than 13% in 2022. Loss severity is up 10% year over year and the quarter's personal lines combined ratio of 98.7 misses the profitability target.
Progressive non-renews 100,000 Florida homeowners and landlord policies
Progressive says it will drop about 100,000 Florida homeowners and dwelling-fire (landlord) policies it considers high risk, sending non-renewal notices from late December, and cuts some agents. It strikes a deal with Loggerhead Reciprocal to offer replacement coverage. The move follows earlier non-renewals of some Florida homeowners policies and a 2022 halt on new DP-3 policies.
Progressive cuts 2023 advertising 21% and tightens underwriting to restore margins
After unfavorable reserve development and rising severity, Progressive takes rate and non-rate actions across its segments in 2023: total advertising spend falls 21% from 2022, and it slows new business through verification activities and bill-plan restrictions, beginning to lift them only in the last months of the year.
Progressive files for 19.78% rate increase in West Virginia
Progressive Classic Insurance Co. files for a 19.78% average auto insurance rate increase in West Virginia, affecting more than 31,500 policyholders. The filing exemplifies the company's state-by-state approach to premium increases, where rate hike magnitudes vary significantly by market, making it difficult for consumers to anticipate or compare costs.
Progressive plans 10,000+ hires amid rapid growth
Progressive announces more than 10,000 open roles in 2024 to support policy growth, adding to a workforce of more than 60,000, with flexible in-office and remote options and an annual cash bonus program. The company is also named to Fortune's 100 Best Companies to Work For.
Progressive says it will 'maximize' growth with more media spend
With its Q1 2024 combined ratio at 86.1, about 10 points better than its 96 target, Progressive tells investors it is increasing media spend to 'maximize growth' for as long as it stays on track for its profit target. CEO Tricia Griffith says the company has turned the page on the inflation period, after unwinding non-rate underwriting restrictions from late 2023 and logging record direct quote volumes.
Progressive agrees to $48M class settlement over 93,000 New York total-loss claims
Progressive agrees to pay $48 million to settle a federal class action by about 93,000 New York policyholders who allege it underpaid total-loss claims filed since July 2015 by using Mitchell International's WorkCenter Total Loss software, which applies a 'projected sold adjustment' that plaintiffs say cuts payouts by 6.5%. Progressive denies wrongdoing and says the software was approved by the state insurance department.
NY DFS demands explainable AI in insurance pricing
New York DFS issues Insurance Circular Letter No. 7 (2024), requiring insurers to show that AI systems and external data used in underwriting and pricing do not proxy for protected classes or produce disproportionate adverse effects, and to keep documentation and audit vendor tools. The rule applies to algorithmic pricing systems like Progressive's.
Progressive settles Michigan total loss class action for $61M
Progressive Marathon and Progressive Michigan agree to a $61 million settlement resolving claims they failed to include sales tax, title fees, and registration transfer fees in total loss automobile insurance claim payments. The settlement covers claims from July 2013 through July 2024, with eligible class members receiving 45-65% of unpaid fees. A final approval hearing is held in November 2024.
Progressive stops writing new homeowners policies in Texas
Progressive confirms it is no longer writing new homeowners policies in Texas, where it is the largest auto insurer and among the 10 largest home insurers with about $390 million of 2023 home premiums. CEO Tricia Griffith had told shareholders that shifting the geographic mix away from weather-volatile states is a top priority.
Progressive's home 'de-risking' exits 115,000 Florida policies
Reporting third-quarter 2024 results, Progressive says its property de-risking program included exiting 115,000 homeowners policies in Florida and scaling back fire coverage for non-owner-occupied properties, with regulatory approval in 22 states. Policies in volatile states fell 9% while growth-state policies rose 19%.
Progressive's November 2024 net income tops $1 billion, up 48%
Progressive reports an 85.6 combined ratio for November 2024, keeping more than 14 cents of every premium dollar as underwriting profit before investment income, and net income of $1.006 billion, up 48% from November 2023. The full year closes with an 87.9 combined ratio.
Progressive's ad spending hits record $3.5 billion in 2024
Progressive's advertising expenditure reaches a record of nearly $3.5 billion in 2024, up 186.8% from $1.22 billion in 2023, according to S&P Global Market Intelligence's analysis of regulatory data. CEO Tricia Griffith says the second-half increase aimed to win market share while competitors were slower to adjust rates. The budget is funded by policyholder premiums.
Texas class action alleges Progressive obtained Toyota driving data without consent
A federal class action filed in Texas against Toyota, data aggregator Connected Analytic Services (CAS) and Progressive alleges that driving data (location, speed, braking, cornering) from Toyota vehicles was collected and sold to Progressive without drivers' knowledge or consent. One plaintiff who opted out of Snapshot during online signup was told by a pop-up that Progressive already had his driving data. The suit covers owners of 2018+ Toyota vehicles equipped with telematics.
Progressive agrees to $43 million Georgia total-loss settlement
Progressive Mountain Insurance Co. and Progressive Premier Insurance Co. of Illinois agree to pay $43 million to settle claims they undervalued Georgia total-loss vehicles by applying Mitchell's projected sold adjustment to comparable vehicles, covering claims from 2015-2016 through February 2025. Progressive admits no wrongdoing; the average payment is estimated at $173.
Federal judge certifies North Carolina total-loss class against Progressive
A federal judge certifies a class of North Carolina Progressive customers who allege the insurer's adjustments reduced their total-loss payments, adding to certified projected-sold-adjustment classes elsewhere.
Progressive overtakes State Farm as largest U.S. auto insurer in total auto premiums
A Best's Ranking shows Progressive edging out State Farm to lead U.S. total auto (private passenger plus commercial) direct premiums written in 2024 with a 16.4% market share to State Farm's 16.2%, as its premiums rose 22.2% to $70.84 billion. In private passenger auto alone, NAIC data still rank State Farm first.
Florida auto profits breach statutory cap; Progressive books $950 million credit
Progressive records a $950 million policyholder credit expense in September 2025 because its Florida personal auto profit for 2023-2025 will exceed the state's statutory limit, despite two rate cuts in the prior year. Third-quarter net income still reaches $2.6 billion. The final 2025 charge was about $1.2 billion, paid to Florida policyholders in early 2026.
Progressive's quarterly ad spend tops $1.2 billion through 2025
Progressive spends $1.3 billion on advertising in Q1 2025 (up 86% year over year), $1.2 billion in Q2 (up 35%) and $1.3 billion in Q3 (up 10%), or $3.8 billion in the first nine months, 36% more than in 2024.
Progressive closes 2025 with 12.6% underwriting margin and $8.1 billion of dividends
Progressive ends 2025 with an underwriting profit margin of 12.6%, against its 4% target, on $83.2 billion of net premiums written, even after $1.2 billion of Florida policyholder credits. It declares $8.1 billion of quarterly and annual-variable dividends during the year, spends $5.1 billion on advertising, and takes minimal personal auto rate action while raising property rates about 10%.
Louisiana approves Progressive auto rate cuts for nearly 470,000 drivers
Louisiana's insurance commissioner approves average decreases of 6.6% for Progressive Security (more than 270,000 policyholders) and 4% for Progressive Paloverde (nearly 200,000), effective in January and February 2026. Progressive attributes the cuts mainly to lower claim frequency.
Judge sends Toyota-Progressive driving-data suit to arbitration
In Siefke v. Toyota, the federal judge grants Toyota's motion to compel arbitration under its Connected Services terms of use and grants the same to Progressive and Connected Analytic Services, moving the class claims that Toyota sold drivers' data to Progressive out of court before any ruling on the merits.
S&P: Progressive passes State Farm as largest U.S. private auto insurer
S&P Global Market Intelligence estimates Progressive's U.S. private auto direct premiums for the 12 months to March 31, 2026 at about $70.2 billion, $1.5 billion more than State Farm, ending State Farm's run at No. 1 since 1942. Progressive gained 210 basis points of share on State Farm in 2025.
Progressive's advertising reaches $2.9 billion in first half of 2026
Progressive spends $1.4 billion on advertising in Q2 2026 (up 16%) and $2.9 billion in the first half (up 18%), saying it will keep advertising to maximize growth while on track for its profit goal. It also repurchases $1.1 billion of stock in the half and reports certified class actions over total-loss valuation in Colorado, North Carolina and Ohio.
Sen. Warren and Rep. Pressley question Progressive on credit-based home pricing
Senator Elizabeth Warren, Rep. Ayanna Pressley and other members of Congress write to CEO Tricia Griffith seeking information on Progressive's use of credit-based insurance scores in homeowners underwriting, pricing and claims, citing research that homeowners with lower credit pay about 24% more for identical coverage.
Tulsa jury awards $40 million against Progressive in bad-faith case
A federal jury in Tulsa finds Progressive acted in bad faith on a 2022 underinsured-motorist claim, awarding $20 million in compensatory and $20 million in punitive damages. The policyholder had sought her $25,000 in benefits; Progressive had offered $710. Progressive has moved to overturn what it calls a 'runaway' verdict.
Evidence (59 citations)
D1: User Value Erosion
D2: Business Customer Exploitation
D3: Shareholder Extraction
D4: Lock-in & Switching Costs
D5: Twiddling & Algorithmic Opacity
D6: Dark Patterns
D7: Advertising & Monetization Pressure
D8: Competitive Conduct
D9: Labor & Governance
D10: Regulatory & Legal Posture
Scoring Log (5 entries)
Checked 85 items + prose. 23 verified, 29 corrected (2 date-only), 29 re-sourced, 4 removed. Invented/contradicted: (1) $48M NY total-loss payout framed as an NY DFS order with a $2M fine (Insurance Journal: class settlement; DFS fine was a 2022 DMV-reporting case); (2) '9% more accurate risk pricing' (junk-only, Klover.ai); (3) '$172M' 2024 insurance lobbying (OpenSecrets: $155.9M); (4) Fisher settlement 'tens of thousands more than the original claim' (Baltimore Sun: exactly the amount sought); (5) 2024 ad spend 'up 18%' (S&P: up 186.8%); (6) 2022 'policies in force grew 6%' (CUNY source: lost policies in 2021-22). Also fixed: Dec 2024 CR 85.6 (was November), Snapshot 2008/2013 dates (MyRate 2008, surcharges 2015), $1,086 misread as bundle discount, ProPublica/California entity, pay ratio years, 16.4% share is total auto.
52→51. Since Feb 2026 (and Oct 2025): Florida excess-profit credits (~$1.2B), auto rate cuts, ad spend $5.1B in 2025 and +18% in H1 2026, S&P ranks Progressive No. 1 private auto (May 2026), Colorado $15.2M total-loss settlement, Toyota data suit sent to arbitration, $40M Tulsa bad-faith verdict (Aug 2026), Warren/Pressley credit-score letter. D2 5→6 (event: GA $43M and CO $15.2M PSA settlements, certified classes in CO/NC/OH, $40M Tulsa bad-faith verdict). D6 5→4 (correction: fact audit removed pre-selected add-ons, confusing tiers and bait-and-switch claims; remaining patterns are moderate). D9 5→4 (recalibration: workforce growing, Gainshare paid to all employees at 199%, ratio fell to 204:1; reviews alone don't reach 5). Eras: 'Direct-to-Consumer Pioneer' re-dated 2000-01-01→1994-01-01 (1-800-AUTO-PRO); 'Flo & Telematics Launch' re-dated 2008-01-01→2008-01-14 (Flo debut); 'Post-COVID Rate Extraction' relabeled 'Inflation Rate Hikes'; current era re-dated 2026-02-16→2024-05-09 ('maximize growth' pivot) and relabeled 'Ad-Fueled Dominance'; Founding and Bundling kept. All eras re-scored. Amica alternative: removed unverified J.D. Power ranking claim. Description updated (No. 1 private auto, $83.2B NPW). Trajectory worsening→stable.