Brainpan AIVI™ Q2 2026 Insurance AI Visibility Benchmark
The Brainpan AIVI™ (AI Visibility Index) measures how often and how favorably a brand is retrieved, cited, and recommended by AI answer engines. State Farm leads the Q2 2026 leaderboard across a 134-brand study spanning ChatGPT, Gemini, Perplexity, Copilot, and Claude — see the Top 10 named rankings, category winners, and methodology below.
Methodology and analysis: Kevin Walsh
Journalists and analysts: contact details, boilerplate and the full dataset are collected on the press and media kit page.
Also live now: the Q3 2026 Medicare AI Visibility Benchmark — the AIVI™ series' second industry. View the study → See every industry the series covers on the Multi-Engine AIVI™ Benchmarks hub.
The Q2 2026 edition in six numbers.
- State Farm ranks #1 of 134 brands (AIVI 100.0) with a 10.6% share of model and 40.9% recommendation rate — but does not lead on recommendation rate.
- Progressive, USAA, and GEICO round out the top four at 71.2, 69.1, and 65.6; Amica closes the top ten at 39.9.
- Category leadership is fragmented: GEICO wins Auto, State Farm wins Home and Renters, The Hartford wins Commercial, MassMutual wins Life.
- Only Perplexity (100%) and Copilot (95.7%) attach citations; ChatGPT, Gemini, and Claude produced 2,549 combined mentions with effectively zero citations.
- Branch and Clearcover, two insurtechs in the study, recorded zero organic mentions across all 1,500 model responses.
- The index covers 134 insurance brands, 300 stratified prompts, and 5 engines, producing 1,742 total organic citations — 1,348 of which resolved to a brand within the scored cohort, with the remaining 394 resolving to sources outside it.
The Q2 2026 AIVI™ leaderboard, top 10 of 134 brands.
State Farm leads on scale — the most mentions and the most raw citations. The Hartford has the highest Top-3 rate in the top 10 (88.1%). But State Farm isn't the most-recommended brand in the study either: USAA converts a higher share of its mentions into active recommendations.
- 1State Farm100.0
- 2Progressive71.2
- 3USAA69.1
- 4GEICO65.6
- 5Nationwide63.4
- 6Allstate61.6
- 7Travelers46.0
- 8The Hartford42.0
- 9Chubb41.2
- 10Amica39.9
Category leadership is fragmented.
GEICO leads Auto, State Farm leads Home and Renters, MassMutual leads Life, and The Hartford leads Commercial — no single brand owns every line.
AI visibility can diverge sharply from market share.
Some carriers' AI visibility runs well above or well below their real-world NAIC market share — see the full index for the brand-by-brand comparison.
Audit your own brand.
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Each insurance line has its own AI competitive field.
Category rankings use Visibility Points — the sum of position, recommendation, and citation scores within each line. These are not normalized 0–100 AIVI™ scores and should not be compared across lines of different sizes.
#1 GEICO 779 pts
State Farm 677 · Progressive 607 · USAA 460 · Nationwide 293
#1 State Farm 584 pts
Allstate 429 · USAA 361 · Chubb 282 · Amica 233
Read the full analysis: why Allstate places second in Home and sixth overall →
#1 State Farm 266 pts
Lemonade 207 · Allstate 200 · Progressive 116 · USAA 107
#1 The Hartford 598 pts
Hiscox 322 · Travelers 281 · Progressive 222 · Chubb 214
Read the full analysis: why The Hartford leads Commercial and still ranks eighth overall →
#1 MassMutual 257 pts
New York Life 205 · Mutual of Omaha 178 · Northwestern Mutual 175 · Haven Life 159
Insurtech visibility is polarized, not evenly distributed.
A small group of insurtechs holds a real, category-specific position in AI answers. A much larger group is effectively absent. The reliable sample is limited to brands with at least ten organic mentions, per the reliability threshold — below that, a handful of appearances produces a misleadingly strong rate.
Insurtech brands at or above the ten-mention reliability threshold, Q2 2026. Share of model is computed against the study-wide 4,328 organic mentions.
| Best category | Brand | AIVI™ | Mentions | Share of model | Rec. rate | Citations | Overall rank |
|---|---|---|---|---|---|---|---|
| Renters — #2 | Lemonade | 29.3 | 71 | 1.64% | 49.3% | 21 | 14 |
| Life — top 5 | Haven Life | 20.5 | 27 | 0.62% | 63.0% | 1 | 32 |
| Commercial — #7 | NEXT Insurance | 19.4 | 31 | 0.72% | 25.8% | 16 | 36 |
| Life — top 15 | Ladder | 16.0 | 12 | 0.28% | 33.3% | 5 | 59 |
| Commercial | Thimble | 13.4 | 15 | 0.35% | 53.3% | 9 | 81 |
Below the line. Branch and Clearcover recorded zero organic mentions across all 1,500 responses — functionally invisible in the answer layer for this prompt set. Root, Hippo, Kin, and Bestow also fall below the ten-mention reliability threshold, so no rate metrics are published for them.
The finding is the split itself. Lemonade at rank 14 and Haven Life at rank 32 sit inside the same measured field as carriers a hundred times their size, while brands with comparable funding and press coverage do not appear at all. Category presence in AI answers is not a function of capital raised.
What each engine did with insurance brands in Q2 2026.
Five engines were measured on the same prompt set. Three of them named brands thousands of times and attached no source to any of those mentions: ChatGPT, Gemini and Claude produced 2,549 organic brand mentions with zero citations between them. Perplexity and Copilot were the only two engines that attached source links in the configurations we captured.
| Engine | Organic brand mentions | Mentions with a source attached | Top-3 rate |
|---|---|---|---|
| ChatGPT | 1,171 | 0.0% | 65.8% |
| Perplexity | 925 | 100.0% | 50.4% |
| Copilot | 854 | 95.7% | 65.6% |
| Claude | 717 | 0.0% | 55.5% |
| Gemini | 661 | 0.0% | 55.5% |
Visibility is not recommendation. The Hartford landed in the top three in 88.1% of its appearances but converted only 27.6% of those mentions into recommendations. Read the Hartford analysis.
Even the leaders leave room. The ten most visible carriers average 60.0 on the 100-point AIVI™ scale. State Farm sets the scale at 100 and second place scores 71.2.
Only two of the five AI engines cite a source at all.
- All 1,742 organic citations in the study come from Perplexity or Copilot only.
- Perplexity: 925 mentions, 100% citation rate: every brand mention carried at least one source.
- Copilot: 854 mentions, 95.7% citation rate, 65.6% Top-3 rate.
- ChatGPT: 1,171 organic mentions, 0% citation rate, highest Top-3 rate (65.8%).
- Gemini: 661 mentions, 0% citation rate.
- Claude: 717 mentions, 0% citation rate.
How the AI Visibility Index is scored.
Brainpan AIVI™ (AI Visibility Index) scores each brand on organic AI placements only — paid placements are quarantined and disclosed separately.
The score is a weighted composite of share of model (35%), recommendation strength (25%), position weighting (20%), citation influence (15%), and top-three rate (5%), normalized so the category leader scores 100. Citation authority and citation independence are reported as companion metrics and are not weighted into the index.
The complete scoring model is published as a versioned document: AIVI™ Methodology and Correction Policy v1.0, covering prompt-set construction, attribution rules, known limitations, and the formal process for challenging a published figure. Prompt design follows the generative-engine framing set out in Aggarwal et al., GEO: Generative Engine Optimization (KDD 2024); the carrier universe is framed against the National Association of Insurance Commissioners record.
Every insurer is measured the same way across ChatGPT, Gemini, Perplexity, Copilot, and Claude — producing one comparable visibility score per quarter.
Discovery surfaced 137 candidate brands; 3 were removed before scoring. The scored cohort is 134 insurance brands, including brands with zero mentions, which score zero, and it is estimated to be 90 to 95 percent complete for this prompt set. Every figure here describes those 134.
The Q2 2026 index is published as JSON.
Leaderboard figures for the top ten brands are also available as structured data (JSON), so AI systems, analysts, and journalists can read the benchmark directly rather than parsing the prose. The endpoints are stable for the life of the Q2 2026 edition, declared as schema.org Dataset resources and licensed under CC BY 4.0 — reuse them freely, including inside generated answers, with attribution to Brainpan.AI.
- Top 10 leaderboard — the ten highest-scoring brands with AIVI™ score, mentions, share of model, Top-3 rate, recommendation rate and citations.
- OpenAPI description — the machine-readable contract for every endpoint below.
Per-brand records, one JSON document each:
The data is published under CC BY 4.0. Reuse it freely, including in generated answers, with attribution to Brainpan.AI and a link to this page.
The full Q2 2026 report
Start with the executive summary. The full index includes your brand.
The summary publishes the top ten and the headline engine findings. The Full Insurance AI Visibility Index is the complete Q2 2026 dataset — 134 brands, 5 AI engines, 1,500 responses, 4,328 brand mentions — so you can find your own position, your competitors’ positions, and the specific queries where you are absent.
Executive summary
18-page executive summary- Top 10 of 134 brands, ranked by AIVI™
- Category leaders across five insurance lines
- Citation rates for all five AI engines
- Scoring methodology in full
Tracking this every quarter instead of once? The Quarterly Benchmark + Strategic Playbook is $12,500 per quarter — the full index each quarter plus a written playbook on what to change in your own content and schema. Ask about the quarterly program.
Full Insurance AI Visibility Index — Q2 2026
Complete dataset- All 134 brands ranked, not just the top 10
- Per-engine scores for every brand across ChatGPT, Gemini, Perplexity, Copilot and Claude
- All 1,742 organic citations, attributed by source domain
- Full category breakdowns and share-of-model tables
- Query-level gap analysis: where each brand is absent
$3,500Single-organization commercial license / One-time payment — delivered within one business day