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All disputes related to the website are governed by Ohio law and must be brought exclusively in a court of competent jurisdiction in Cuyahoga County, Ohio.
This analysis describes what Progressive's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision requires all website-related disputes to proceed in a specific Ohio county venue, which may present practical barriers for users located outside Ohio, and the enforceability of this forum selection clause varies by jurisdiction and applicable law.
Interpretive note: Enforceability of the Ohio exclusive venue requirement varies by jurisdiction; certain states may not enforce forum selection clauses that impose substantial hardship on consumer plaintiffs.
Under this clause, any dispute a user has concerning the Progressive website must be filed in Cuyahoga County, Ohio under Ohio law, regardless of the user's state of residence; enforceability of this requirement may depend on the user's jurisdiction and the nature of the claim.
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"Use of this site shall be governed by and construed in accordance with the laws of the State of Ohio without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Cuyahoga County, Ohio.Excerpt from Progressive's Terms of Use
1. REGULATORY LANDSCAPE: Forum selection clauses in consumer contracts are subject to scrutiny under state consumer protection statutes and, in some jurisdictions, may be unenforceable when they impose substantial hardship on consumers. California courts, for example, have applied Consumers Legal Remedies Act protections to limit enforcement of out-of-state forum selection clauses in consumer contracts. The FTC Act's unfairness standard may also engage depending on how the clause is applied. 2. GOVERNANCE EXPOSURE: Medium. The clause designates a specific county venue rather than merely a state, which creates a more restrictive forum requirement. For insurance-related disputes, state insurance regulatory frameworks may independently specify dispute resolution venues or procedures that take precedence over contractual forum selection. 3. JURISDICTION FLAGS: California and New York have historically applied heightened scrutiny to out-of-state forum selection clauses in consumer contracts. Illinois, New Jersey, and other states with active consumer protection enforcement may similarly limit enforcement. EU and EEA users are not meaningfully addressed, though the clause asserts Ohio law universally. 4. CONTRACT AND VENDOR IMPLICATIONS: B2B partners and agents accessing Progressive's website under these terms should evaluate whether the Ohio exclusive venue requirement conflicts with their own governing law and dispute resolution provisions. Where the website terms are incorporated by reference into other agreements, the venue provision may create conflicts. 5. COMPLIANCE CONSIDERATIONS: Legal teams should assess whether this clause is presented with sufficient conspicuousness to satisfy enforceability standards in the jurisdictions where Progressive's users are located. Insurance regulators in individual states may also have authority over dispute resolution terms applicable to insurance customers.
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This provision requires all website-related disputes to proceed in a specific Ohio county venue, which may present practical barriers for users located outside Ohio, and the enforceability of this forum selection clause varies by jurisdiction and applicable law.
Under this clause, any dispute a user has concerning the Progressive website must be filed in Cuyahoga County, Ohio under Ohio law, regardless of the user's state of residence; enforceability of this requirement may depend on the user's jurisdiction and the nature of the claim.
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