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Insurance · AI Perceptions snapshot

In AI answers about insurance, State Farm and Allstate carry both the praise and the warnings

Across the assistants' answers, a few large auto and home insurers appear in nearly every kind of question, including "who to trust" and "who to avoid." The press is covering a different set of companies, and often a different story.

  • State Farm
  • Allstate
  • Progressive
  • USAA
  • Travelers
  • Nationwide
  • Liberty Mutual
  • GEICO
  • Chubb
  • Erie Insurance
  • Farmers Insurance
  • MetLife
  • Prudential Financial
  • Aflac
  • American Family Insurance

Measured September 29, 2026ChatGPT, Claude, Gemini, Perplexity and Grok250 questions · 1,250 answers

Named most in these answers

See the evidence

Measured
September 29, 2026
Assistants
5
Questions
250
Answers
1,250
Brands
15
Named most
State Farm · 39%95% range 36–41%

Storylines in the answers

The threads the answers kept returning to, and the brands attached to each.

  1. The default names: scale, price and coverage
  2. Who to avoid: claims disputes and lawyer reputations
  3. Service and claims satisfaction
  4. Best employers in insurance

What the assistants say

The dominant storyline is that a handful of household names answer almost every insurance question. This snapshot (29 September 2026) covers 1,250 answers from ChatGPT, Claude, Gemini, Perplexity and Grok to 250 questions that never named a brand. State Farm was the most-named brand on price, trust, coverage, scale and reliability questions. On "avoid and risk" questions the top names were Allstate (58% of those answers) and State Farm (50%), followed by Farmers Insurance (37%).

Questions about claims and service surfaced a second group. On customer service, Erie Insurance and USAA sat alongside State Farm. On claims handling, USAA, State Farm and Erie led. Employer questions were a separate storyline: Liberty Mutual and Progressive were the most-named there, at 41% and 40%.

Many answers hedged on their own. Several said there is no single best insurer, or no reliable ranking, and then named a shortlist anyway. The shortlists were heavy on auto and home carriers.

Large auto insurance companies frequently face class action lawsuits due to their massive market share and the complex, high-volume nature of their claims-handling processes.
Gemini, answering “Which auto insurers have been hit with the most class action lawsuits?”

Who owns the answer, and why

State Farm was named in 483 of 1,250 answers, ahead of Allstate (367), Progressive (349), USAA (322) and Travelers (276). Nationwide, Liberty Mutual, GEICO, Chubb, Erie Insurance and Farmers Insurance followed, each in 171 to 261 answers. Grok named brands far more often than the others. It named State Farm in 145 of its 250 answers, against 75 for Claude.

The credit attached to each brand is thin. Most attributions were classed as "Not Substantive." Among the specific credits, GEICO was most tied to Price & Value, Erie to Customer Experience, and USAA to Customer Experience and Price & Value in equal measure. Progressive and Liberty Mutual were most tied to Labour & Workplace. State Farm's credits were scattered, with Financial Performance and Price & Value the largest.

Life and specialty names barely register in this question set. MetLife appeared in 79 answers, Prudential Financial in 60, Aflac in 24 and American Family Insurance in 15.

…consistently rank among those with the poorest reputations among lawyers handling insurance claim disputes…
Grok, answering “Which insurers have the worst reputations among lawyers who handle claim disputes?”

What the press is covering

Claims disputes and regulators dominate the headlines for several of the same carriers. Recent State Farm headlines included a California lawsuit over wildfire claims and a story about billions in customer refunds. Farmers Insurance headlines included a Los Angeles County probe of its wildfire claims handling. Chubb's included a West Virginia jury verdict over a delayed claim, and Liberty Mutual's included lawsuits. Allstate and Progressive coverage leaned toward stock and earnings items.

USAA headlines were mostly sponsorships, foundation programs and a board appointment. Erie's were mostly AM Best rating affirmations.

Volume varies widely, and some of it is name noise. In the last 30 days the index shows State Farm at 9,563 mentions, Progressive at 9,446 and Allstate at 7,729. Travelers shows 10,338, Nationwide 30,881 and MetLife 22,582. Many of the sampled Nationwide, MetLife, Travelers and Chubb headlines are not about the insurer: a stadium, travel advisories, a football player, and the word "nationwide." Erie registered 520 mentions and American Family 502.

There isn’t a single reliable, current ranking that compares both leadership and board diversity across all insurers.
Perplexity, answering “Which insurance companies have the most diverse leadership and boards?”

Where the two stories diverge

Erie is the clearest gap. It has the smallest news footprint of the large names (520 mentions, 30 with the brand in the headline). Yet it was named in 180 answers and was among the top three brands on trust and customer service questions. The sampled headlines are mainly rating affirmations and agency awards, not a service narrative.

The reverse is also visible. MetLife and Nationwide draw very high raw mention counts, but the sampled headlines are largely non-insurance. MetLife appeared in only 79 answers. Nationwide's answer presence sits in the mid-range.

For State Farm and Farmers, the press storyline in the sampled headlines is wildfire-claims litigation and probes. In these answers, State Farm was named often on "avoid" and "claims" questions and also on "trust" and "value" questions. The answers do not reproduce the headline story directly. They place the same names on both sides of the trust question.

What this means for comms teams

Press volume does not translate into answer presence. The cited sources point elsewhere: Review & Affiliate domains made up 61% of citations, News 25% and Trade 14%. The most-cited domains were insurance.com, forbes.com, moneygeek.com, insurancebusinessmag.com, nerdwallet.com, cnbc.com, valuepenguin.com and insurify.com. A company's standing in these answers is shaped heavily by comparison and ratings sites, not by its own news coverage. The citation data covers reputational and corporate questions, not consumer product queries.

Check the question types, not just the brand total. The same large brand can appear as a recommendation in a service question and as a caution in a lawyer or class-action question. Track which intents name your company and which sources sit behind each answer.

Live answers shift between runs, so treat this as one snapshot. Retest the same benchmark questions before acting on any single figure.

The evidence

Which brands the answers named, and what they cited.

ChatGPT, Claude, Gemini, Perplexity and Grok answered 250 unbranded questions about this sector, 1,250 answers in all.

Visibility leaderboard

Ordered by visibility: the share of this sector's answers that named each brand. Each figure comes with a 95% range; where two brands’ ranges overlap, they are effectively tied. This is not a favorability ranking.

Visibility by brand

  1. State Farm
    39%36–41%
  2. Allstate
    29%27–32%
  3. Progressive
    28%26–31%
  4. USAA
    26%23–28%
  5. Travelers
    22%20–25%
  6. Nationwide
    21%19–23%
  7. Liberty Mutual
    21%19–23%
  8. GEICO
    20%18–23%
  9. Chubb
    17%15–19%
  10. Erie Insurance
    14%13–17%
  11. Farmers Insurance
    14%12–16%
  12. MetLife
    6%5–8%
  13. Prudential Financial
    5%4–6%
  14. Aflac
    2%1–3%
  15. American Family Insurance
    1%1–2%
Measured September 29, 2026. ChatGPT, Claude, Gemini, Perplexity and Grok, 1,250 answers. The line through each bar is its 95% range, printed under the figure.
Measured September 29, 2026. ChatGPT, Claude, Gemini, Perplexity and Grok, 1,250 answers.
RankBrandVisibilityChatGPTClaudeGeminiPerplexityGrokNamed in
1State Farm
39%95% range 36–41%
41%30%34%31%58%483 / 1,250
2Allstate
29%95% range 27–32%
30%26%26%18%48%367 / 1,250
3Progressive
28%95% range 26–31%
30%20%23%19%48%349 / 1,250
4USAA
26%95% range 23–28%
22%20%21%21%44%322 / 1,250
5Travelers
22%95% range 20–25%
21%17%18%17%38%276 / 1,250
6Nationwide
21%95% range 19–23%
16%16%17%18%37%261 / 1,250
7Liberty Mutual
21%95% range 19–23%
20%13%21%16%34%260 / 1,250
8GEICO
20%95% range 18–23%
17%17%16%16%36%255 / 1,250
9Chubb
17%95% range 15–19%
16%10%14%13%29%208 / 1,250
10Erie Insurance
14%95% range 13–17%
13%9%10%10%30%180 / 1,250
11Farmers Insurance
14%95% range 12–16%
14%8%11%12%24%171 / 1,250
12MetLife
6%95% range 5–8%
5%6%8%5%8%79 / 1,250
13Prudential Financial
5%95% range 4–6%
5%3%3%5%8%60 / 1,250
14Aflac
2%95% range 1–3%
0%2%2%1%4%24 / 1,250
15American Family Insurance
1%95% range 1–2%
1%2%2%0%2%15 / 1,250

Top cited domains

The domains the answers cited most often, with each one's share of all citations in this sector. These are the most-cited sources, not every source cited. Bars are scaled to the most-cited domain.

  1. insurance.com
    223 citations3%
  2. forbes.com
    200 citations3%
  3. moneygeek.com
    192 citations3%
  4. insurancebusinessmag.com
    177 citations2%
  5. nerdwallet.com
    149 citations2%
  6. cnbc.com
    121 citations2%
  7. valuepenguin.com
    114 citations1%
  8. insurify.com
    105 citations1%

Source type breakdown

The type of site behind this sector's 8 most-cited domains, which account for 1,281 of the 7,621 citations in these answers. It is not the mix of every citation. Shares are of the classified citations only; domains the classifier could not label confidently are left out. Labels come from a classifier run on this site, not from a customer workspace's Smart Categories.

  • Review & Affiliate783 citations · 61%
  • News321 citations · 25%
  • Trade177 citations · 14%

Questions asked

250 unbranded questions across 13 intents, each put to every assistant once. None names a brand, so a brand that appears in an answer was volunteered by the model. The 5 seed questions, marked below, are the ones earlier five-question snapshots asked.

  • Reliability and quality7 questions
    1. most reliable life insurance company?
    2. I'm 68 and on a fixed income, and I want a Medicare supplement insurer that won't jack up rates or make claims difficult. Which ones have the best track record?
    3. What are the most dependable small business insurance providers for liability claims?
    4. Are regional or mutual insurers more dependable than the national giants?
    5. Which insurance companies have the most consistent customer satisfaction year after year?
    6. Which insurers are the most reliable for umbrella policies?
    7. Which state-run or private insurers in Florida are actually dependable for homeowners coverage?
  • Trust and reputation17 questions
    1. Which insurance companies are the most trustworthy?Seed
    2. What insurers do independent agents trust most to pay claims fairly?
    3. I'm 68 and shopping for Medicare supplement coverage. Which insurers are seen as honest and reliable for seniors?
    4. What's the most respected renters insurance company?
    5. Which insurance companies do independent agents trust the most to work with?
    6. Best-regarded pet insurance providers?
    7. As a small business owner, which commercial insurers have a reputation for being fair and easy to deal with?
    8. Which insurance brands do people trust most for long-term care coverage?
    9. Are the cheapest online-only car insurers actually reputable, or do they fall apart when you file a claim?
    10. Which insurers are rated best by consumer advocacy groups for transparency in pricing and policy terms?
    11. First-time homebuyer here. Which home insurance companies have a solid name and won't drop me after one claim?
    12. Which motorcycle insurance companies do riders trust?
    13. Which insurers are considered the most reputable when it comes to flood coverage?
    14. Are mutual insurance companies generally more trustworthy than publicly traded ones, and which are the best examples?
    15. My elderly parents keep getting sales calls from insurers. Which companies are legit and well regarded for annuities?
    16. Which insurers are widely considered the most transparent about how they calculate premiums?
    17. Which insurance companies have improved their reputation the most over the last few years?
  • Value and price22 questions
    1. Who has the best reputation for keeping premiums stable and not raising rates after a single claim?
    2. Do any insurers have a reputation for jacking up rates right after you file a claim?
    3. Who has the cheapest car insurance for a 22-year-old with one speeding ticket?
    4. cheapest homeowners insurance companies?
    5. Is it worth paying more for a top-rated insurer, or do the budget ones pay claims just as well?
    6. I just turned 65 and my auto premium keeps climbing. Which insurers give the best rates to seniors?
    7. What are the best value life insurance companies for a healthy 35-year-old who wants a 20-year term policy?
    8. Which renters insurance providers offer the best coverage for the lowest price?
    9. Are bundling discounts actually worth it, and which insurers give the biggest ones for home and auto?
    10. Who offers the cheapest health insurance plans on the marketplace for a family of four?
    11. Best pet insurance for the money?
    12. Which car insurers charge the lowest rates after an at-fault accident?
    13. I'm a first-time homebuyer in Florida and quotes are insane. Which insurers tend to be most affordable there?
    14. Are usage-based or app-tracking car insurance programs really cheaper, and which companies have the best ones?
    15. Which insurance companies have the lowest rate hikes year over year?
    16. How do the big national auto insurers compare with smaller regional ones on price?
    17. Is full coverage worth it on a 10-year-old car, and which insurers offer the best deals if I keep it?
    18. What's the best cheap travel insurance for a two-week trip to Europe?
    19. Which companies sell the most affordable motorcycle insurance?
    20. Who has the best deals on small business insurance for a freelance consultant?
    21. Rank the cheapest car insurance companies for drivers with a low credit score.
    22. Which insurers have the lowest fees for paying monthly instead of upfront?
  • Customer service13 questions
    1. Which car insurance companies have the best customer service?Seed
    2. Which insurance companies have the most loyal customers and highest renewal rates?
    3. best health insurance company for actually answering the phone and resolving billing problems?
    4. I'm 72 and want a Medicare supplement insurer that treats seniors well when there's a problem. Who should I look at?
    5. Is there any insurer that reliably gives refunds quickly when you cancel a policy mid-term?
    6. I've been on hold with my insurance company for two hours. Which ones have real 24/7 human support?
    7. Do local agents at some insurers give better service than online-only insurers, and which are best?
    8. J.D. Power vs. NAIC complaint index: which insurers score well on both for customer service?
    9. Are there insurers that consistently get high marks from customers on both billing and claims support?
    10. What are the best insurance companies for customers who want to talk to the same agent every time?
    11. Who are the best insurers for young drivers who need patient, helpful service?
    12. What insurance companies handle complaints best when you escalate to a supervisor or ombudsman?
    13. I'm a small business owner. Which cyber insurance providers are best at actually helping after a ransomware attack?
  • Safety and security21 questions
    1. Which insurance companies have had the worst data breaches in recent years?
    2. Is my personal information safe with online-only insurance companies?
    3. Which auto insurers are the most careful about protecting customers' driving data from telematics apps?
    4. Have any major health insurers been hit by ransomware attacks, and which ones?
    5. I just got a letter saying my insurer had a data breach. What should I do, and which insurers handle these situations best?
    6. Which home insurance companies offer the best identity theft protection?
    7. Do any big insurers sell customer driving data to third parties?
    8. Most secure insurance apps?
    9. Which life insurance companies have the strongest cybersecurity practices?
    10. Which insurers have been fined by state regulators for mishandling customer data?
    11. Are there insurers that require two-factor authentication on customer accounts?
    12. Which insurers have had the most complaints about fraudulent policies or fake agents using their name?
    13. My elderly mother keeps getting scam calls from people claiming to be her Medicare supplement insurer. Which insurers are best at protecting seniors from fraud?
    14. Who are the top insurers for protecting policyholders from identity theft after a breach?
    15. Which insurance companies have the best track record for keeping customer medical records private?
    16. Are big national insurers or small regional ones better at protecting customer data?
    17. Which homeowners insurers offer free smart-home safety devices like water leak or smoke sensors?
    18. Which pet insurance providers have the strongest privacy protections for owner and payment information?
    19. How do the major auto insurers compare on privacy policies for connected car data?
    20. Should I worry about giving my bank account details to an insurance company for autopay, and which ones are the most secure?
    21. Which workers' comp insurers do the most to reduce workplace injuries for their clients?
  • Innovation21 questions
    1. Which insurers have the best mobile apps and fastest claim processing?
    2. Which auto insurers have the best mobile apps for tracking a claim and contacting support?
    3. Which insurers are leading the way in using AI to speed up claims?
    4. I'm 28 and hate calling anyone on the phone. Which insurers let me handle everything digitally, from quote to claim?
    5. Are there any insurers that let you settle a simple auto claim in minutes with photos from your phone?
    6. Which home insurance companies use drones or satellite imagery in innovative ways?
    7. Most innovative insurance companies in the US?
    8. Which life insurance companies offer instant approval online with no medical exam?
    9. What are the most tech-forward health insurers right now?
    10. Which insurers have the best digital ID cards and self-service portals?
    11. Who are the top insurtech companies disrupting traditional carriers?
    12. Is there an insurer that uses smart home sensors to lower premiums or prevent water damage?
    13. Which legacy insurance companies have done the best job modernizing their technology?
    14. Which renters insurance providers have the smoothest sign-up experience online?
    15. I'm a small business owner looking for commercial insurance I can buy entirely online. Which providers make this easiest?
    16. Which insurance companies are investing the most in machine learning and data analytics?
    17. Best insurer for on-demand or pay-per-mile coverage?
    18. Which insurers have the most useful chatbots or virtual assistants?
    19. What insurers are pioneering parametric insurance for hurricanes, floods or wildfires?
    20. As an investor, which insurance companies look best positioned to win from digital transformation?
    21. Which insurers offer wellness programs with wearable integration that reward healthy habits?
  • Leadership and scale21 questions
    1. Who are the biggest insurance companies in the United States?
    2. Which insurers have the largest market share in auto insurance?
    3. Top home insurance providers by number of policies?
    4. What are the largest life insurance companies in America by assets?
    5. Who are the market leaders in health insurance in the US?
    6. Rank the biggest property and casualty insurers by premiums written.
    7. I'm an investor looking at insurance stocks. Which companies are the dominant, best-run players in the industry?
    8. Who are the largest commercial insurance carriers for small businesses?
    9. Which insurers are the most influential in shaping industry regulation and policy?
    10. What insurance companies are considered the best managed?
    11. Which insurers have been around the longest and are still among the biggest?
    12. Who are the top reinsurers in the world?
    13. Which insurance company has the most customers in the US?
    14. Are there any insurers that have grown fastest in the last five years while staying financially solid?
    15. Which insurance companies are the biggest employers in the US?
    16. I'm writing an article on the insurance industry. Who are the top five most powerful insurers right now?
    17. Which mutual insurance companies are the largest and strongest?
    18. What's the largest pet insurance company?
    19. Which insurers have the highest profit margins?
    20. Which insurance companies are considered too big to fail?
    21. Which national insurers have the largest independent agent networks?
  • Employer and workplace21 questions
    1. Which insurance companies are known for treating their employees well and having a good corporate reputation?
    2. Which insurance companies are hiring the most software engineers and data scientists, and who has the best tech culture?
    3. What are the best insurance companies to work for in the US?
    4. Which insurers have the best work-life balance for claims adjusters?
    5. Which insurance companies pay their entry-level employees the most?
    6. Best insurance carriers for new college grads starting a career?
    7. I'm a claims adjuster burned out at my current job. Which insurers have the best reputation for treating adjusters well?
    8. Which insurance companies have the worst workplace culture according to employee reviews?
    9. Are there any big insurers that let employees work fully remote?
    10. What insurance companies offer the best benefits and 401(k) matching?
    11. Who are the top employers for actuaries in the US?
    12. Which insurers have the best training programs for new underwriters?
    13. Which insurance companies have had the most layoffs in recent years?
    14. Best insurance companies for women in leadership?
    15. Which insurance company is best for a long-term career with promotion opportunities?
    16. Are captive agent jobs at big insurers worth it, or is it better to be independent?
    17. Which insurance companies pay their sales agents the best commissions?
    18. Do any major insurers have unionized employees?
    19. What are the best property and casualty insurers to work for as an IT professional?
    20. Which health insurance companies are the best employers for nurses and clinical staff?
    21. I'm 52 and looking to switch into insurance. Which companies are friendly to older workers?
  • Sustainability and ethics21 questions
    1. Who are the most ethical life insurance companies?
    2. Which insurance companies have the best environmental records?
    3. Are there any insurers that have stopped underwriting coal and other fossil fuel projects?
    4. I want my home insurance company to be climate-conscious. Which insurers are leading on sustainability?
    5. Which life insurance companies have the strongest ethical investment policies?
    6. What insurers are known for giving back to their communities?
    7. Which big insurers have been criticized for their investments in oil and gas?
    8. Who are the most ethical health insurers?
    9. How do the major auto insurers rank on corporate social responsibility?
    10. I'm a socially conscious investor. Which insurance stocks have the best ESG ratings?
    11. Which insurance companies have the most diverse leadership and boards?
    12. Are there insurers that donate a meaningful share of profits to charity?
    13. Which property insurers are actually helping communities adapt to wildfire and flood risk?
    14. Are mutual insurance companies more ethical than publicly traded ones?
    15. What insurers have made net-zero commitments, and are any of them actually following through?
    16. I'm starting a small business and want commercial insurance from a company with good values. Who should I look at?
    17. Which insurers are the best at supporting disaster relief efforts after hurricanes?
    18. Which pet insurance companies are considered the most transparent and ethical?
    19. Who are the top insurers for sustainable investing in their portfolios?
    20. Are there insurers that specifically support veterans or military families through community programs?
    21. Which auto insurers have the strongest commitments to reducing their carbon footprint?
  • Avoid and risk21 questions
    1. Which insurance company should consumers avoid?Seed
    2. Who has the fewest customer complaints in auto insurance?
    3. Which insurers have been hit with the most regulatory fines or bad-faith lawsuits?
    4. Which insurers have the worst reputations among lawyers who handle claim disputes?
    5. Which insurers have the most complaints filed with state regulators relative to their size?
    6. Which homeowners insurers are most likely to drop you or non-renew after you file a claim?
    7. Which insurers do journalists and consumer advocates most often criticize for bad-faith claim handling?
    8. Which insurance companies have been accused of unethical sales practices?
    9. Which insurance companies have pulled out of high-risk climate areas, and how did they treat customers when they did?
    10. Which insurance companies have faced governance scandals or shareholder lawsuits over executive pay?
    11. Which home insurance companies get the most complaints from policyholders?
    12. What are the biggest red flags when choosing a car insurance company?
    13. Which auto insurers have been hit with the most class action lawsuits?
    14. Which renters insurance companies should I steer clear of?
    15. Which insurers are notorious for non-renewing homeowners in wildfire areas?
    16. What insurance companies have faced scandals over how they handle total-loss car claims?
    17. Which insurers have had the most controversy over using credit scores or AI to set prices or deny claims?
    18. Are there any flood insurance providers I should be cautious about?
    19. Which health insurance companies have faced the biggest lawsuits over prior authorization denials?
    20. Which insurers have the worst reviews for cancelling policies without warning?
    21. Which motorcycle insurance companies have the most unhappy customers?
  • Claims handling22 questions
    1. Which insurers are worst at paying claims?Seed
    2. Which home insurers actually pay out quickly after a hurricane or major storm?
    3. Are there renters insurance companies known for handling claims without a hassle?
    4. What's the best pet insurance for reliably reimbursing vet bills without denying claims over technicalities?
    5. Which health insurance companies are the best at approving claims and covering what they say they will?
    6. I had my roof damaged by hail last spring and my insurer lowballed me. Which homeowners insurers are known for fair settlements?
    7. Rank the top auto insurers for claims handling.
    8. Is there a life insurance company with a strong record of paying death benefits without fighting the family?
    9. After a wildfire, which home insurance companies stood by their customers instead of dropping them?
    10. Which insurers are best for a first-time car buyer who wants a company that will be easy to deal with after an accident?
    11. Who are the most reliable insurers for long-term care coverage that actually pays when you need it?
    12. Which travel insurance companies actually reimburse trip cancellations without endless paperwork?
    13. Which flood insurance providers are the easiest to work with when filing a claim?
    14. Best insurer for a family with teen drivers that handles claims smoothly?
    15. Which disability insurance companies are least likely to deny a legitimate claim?
    16. I run a small trucking company and need commercial auto coverage from an insurer that won't leave me hanging after an accident. Who's dependable?
    17. Which companies are best at total loss car claims and paying fair market value?
    18. What are the top-rated insurers for motorcycle coverage when it comes to claims?
    19. Are there any life insurance companies known for fighting or delaying death benefit payouts?
    20. My house burned down last year and my claim is dragging on. Which home insurers are known for treating customers fairly during big losses?
    21. Which health insurers have the worst reputation for denying claims?
    22. Is it true that some big insurers lowball accident settlements? Which ones are known for it?
  • Coverage and products21 questions
    1. Are any insurers offering new products for electric vehicle owners, like battery coverage or charging-related protection?
    2. Which insurers offer the best homeowners coverage for houses in wildfire zones?
    3. best car insurance for a 17-year-old new driver?
    4. I run a small landscaping business with three trucks and five employees. Which insurance companies have the best commercial package policies for that?
    5. Who offers flood insurance for homeowners outside of the federal program?
    6. Are there insurers that include rideshare coverage as an endorsement on a personal auto policy?
    7. Which home insurance companies still write new policies in hurricane-prone Florida?
    8. What insurers have the most generous water backup and sewer coverage options?
    9. Which pet insurance providers cover hereditary and pre-existing conditions the best?
    10. My teenage son just got his license and we have two cars. Which insurers give the best coverage and discounts for young drivers?
    11. Top insurers for umbrella liability policies with high limits?
    12. Which companies offer the best renters insurance for someone with expensive camera gear?
    13. Is there an insurer that offers true replacement cost coverage on a home without depreciating the roof?
    14. Which life insurance companies have the best no-exam term policies for people in their 50s?
    15. Who has the best cyber liability insurance for a small e-commerce shop?
    16. What are the best insurers for classic and collector car coverage?
    17. I own a 1940s house with knob-and-tube wiring and a slate roof. Which insurers will actually cover it?
    18. Which insurers offer accident forgiveness and gap coverage as add-ons for a new car?
    19. Which health insurers offer the broadest coverage for mental health and therapy?
    20. Which homeowners insurers cover earthquake damage without needing a separate policy?
    21. Who sells the best professional liability insurance for freelance consultants?
  • Financial strength and solvency22 questions
    1. Which insurance companies are the most financially stable?Seed
    2. What are the safest insurance companies to buy an annuity from if I'm worried about losing my retirement savings?
    3. Best-capitalized insurance companies that can handle a major hurricane season?
    4. I'm helping my parents pick a long-term care insurer. Which big companies in that space are the most established and financially strong?
    5. What insurers are people leaving Florida over, and which ones have gone insolvent?
    6. Which insurers have low financial strength ratings that could leave me stuck if they fail?
    7. Is my homeowners insurer likely to go bankrupt after a big hurricane season?
    8. Which home insurance companies have stopped writing new policies in Florida and California?
    9. How can I check whether my insurance company is financially sound before I buy a policy?
    10. Which insurers are most likely to pull out of wildfire-prone states?
    11. Which insurance carriers have gone insolvent in the past decade?
    12. What happens to my claim if my insurance company goes under, and which insurers are at highest risk of that?
    13. Are smaller regional home insurers riskier than the big national ones when a catastrophe hits?
    14. Which property insurers have the best reinsurance backing?
    15. Which insurers have the most surplus and capital to pay out after a major earthquake?
    16. I run a small business and need commercial coverage, which insurers have the financial strength to handle a large liability claim?
    17. Which big insurers are cutting coverage or non-renewing policies in Texas and Colorado?
    18. Which insurance stocks have the healthiest balance sheets and combined ratios?
    19. What are the most financially stable health insurers in the US?
    20. Which insurance companies were hit hardest financially by recent natural disasters?
    21. Are state-backed insurers of last resort more solvent than private carriers?
    22. How do I find out which insurers have been downgraded lately?

How this was measured

Measured September 29, 2026. 250 unbranded questions per sector, asked to ChatGPT, Claude, Gemini, Perplexity and Grok on their product models, with web search on. Refreshed quarterly.

This is a snapshot, not a ranking or a trend: AI answers vary from run to run. It shows whether a brand appeared and which sources were cited, not how favorably it was described. The paid platform tracks favorability daily.

Full method

In an early five-question test, the same brand went from 40% to 30% to 70% visibility across three runs, which is why every figure here is dated and treated as a snapshot.

The questions cover 13 intents, such as reliability, value for money and customer service. A model drafted them, a review pass removed paraphrases and questions that point to one company, and every question was checked so that none names a measured brand. Each was asked once per assistant in run 2026Q4.

Every visibility figure comes with a 95% range (a Wilson interval). Where two brands' ranges overlap, treat them as tied. The figures use all 1,250 answers. The quotes in the story come from a stratified sample of 60 of them, spread across every assistant and intent.

Summarized on September 30, 2026from this snapshot's stored answers. Every quote is checked against the original answer.

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