Commercial Truck Insurance: AI Market Discovery Index

Benchmark Summary

The Hartford led the Commercial Truck Insurance benchmark in September 2026 with valid recommendation coverage of 67.0%, down from 78.5% in July 2026. Progressive Commercial held the second position at 49.2% in September 2026, a gap of 17.8 percentage points behind The Hartford.

The month showed mixed movement with several significant changes. Biberk Business Insurance recorded the largest coverage increase, appearing for the first time in September 2026 at 19.5%, up from 0.0% in July 2026. biBERK recorded the largest coverage decline, falling from 47.7% in July 2026 to 0.0% in September 2026, with responses for this insurer tracked under the Biberk Business Insurance label in the most recent month.

Across the full three-month series, The Hartford declined in each of the two months since July 2026, from 78.5% to 67.0%. Progressive Commercial also declined in each of the two months, from 61.1% to 49.2%. Several new brand labels entered the benchmark in September 2026, including Biberk Business Insurance at 19.5% and GEICO RV Insurance at 6.3%, reflecting changes in how brands were identified in the qualifying responses.

The benchmark began with 800 prompt-surface observations in each month and produced 303 qualified observations in September 2026 after qualification.

Current Benchmark at a Glance

Qualified surface breadth counts the canonical AI/search surface families with at least one qualified observation: ChatGPT, Copilot, Gemini, Perplexity, AI Overviews, and AI Mode. All six families were represented in each month of the series.

For the strategic interpretation of this benchmark, read CiteWorks Studio's analysis of How AI Search Is Recommending Commercial Truck Insurance

Research Scope and Qualification

The public benchmark is narrower than the raw collection universe by design. Brand-level percentages use the qualified observations as the public denominator, not the raw collection.

For full details, see AI Market Discovery Methodology.

Current Brand Standings

Current-month metrics sorted by valid recommendation coverage.

How to Read the Standings

• Presence rate: share of qualified observations where the brand is mentioned at all.
• Valid recommendation coverage: share of qualified observations where the brand is named in a valid recommendation context.
• Top-three rate: share of qualified observations where the brand appears in the top three recommended positions.
• Rank-one rate: share of qualified observations where the brand is the first recommendation.
• Net sentiment: positive minus negative mention tone, scaled to a 0 to 1 range.

For formulas and denominator rules, see AI Market Discovery Metric Definitions.

Recommendation Coverage Movement

The July 2026 labels biBERK and Geico do not appear in the September 2026 brand roster. Their coverage series ended at 47.7% and 37.8% respectively in July 2026, and the September 2026 responses identified these brands under the Biberk Business Insurance and GEICO RV Insurance labels.

Largest Increase: Biberk Business Insurance

Biberk Business Insurance appeared in the benchmark for the first time in September 2026 with valid recommendation coverage of 19.5%, up from 0.0% in July 2026, a move beyond normal month-to-month variation. Presence reached 23.8% in September 2026. Top-three placement was 4.0%, and rank-one placement was 0.0%.

Largest Decline: biBERK

biBERK moved from 47.7% valid recommendation coverage in July 2026 to 0.0% in September 2026, a move beyond normal month-to-month variation. The September 2026 responses identified this insurer under the Biberk Business Insurance label, which recorded 19.5% coverage, 23.8% presence, and 4.0% top-three placement in the current month.

Category Leader: The Hartford

The Hartford remained the category leader with 67.0% valid recommendation coverage in September 2026, down from 78.5% in July 2026, a decline beyond normal month-to-month variation. Presence rose from 91.3% to 97.0% over the same period. Presence rose even as coverage declined, suggesting the brand is widely named but recommended less consistently. Top-three placement moved from 59.3% to 50.5%, while rank-one placement rose from 27.9% to 30.7%.

Additional Significant Decliners

Geico fell from 37.8% valid recommendation coverage in July 2026 to 0.0% in September 2026, a decline beyond normal month-to-month variation, declining in each of the two months since baseline. The September 2026 responses identified this insurer under the GEICO RV Insurance label, which recorded 6.3% coverage.

Progressive Commercial's recommendation losses outpaced its presence decline, with top-three placement falling from 43.0% to 24.4% while presence held steady at 75.2%. Rank-one placement declined from 22.7% to 13.5%.

Sentry Insurance moved from 11.6% valid recommendation coverage in July 2026 to 5.0% in September 2026, beyond normal variation. Presence declined from 13.4% to 5.9% over the same period.

Stable Brands

The remaining brands moved within normal month-to-month variation across the series. Nationwide declined 3.3 points from 45.9% in July 2026 to 42.6% in September 2026. Travelers declined 5.7 points from 41.3% to 35.6%, including a sharp single-month drop of 13.0 points from August to September 2026. Simply Business held steady at 18.1% in September 2026, down from 20.5% in August 2026. Great West Casualty moved from 5.8% to 3.3%, and CoverWallet from 2.9% to 1.0% across the series.

Recommendation Placement Snapshot

Coverage alone does not show how prominently a brand is recommended. Placement rates reveal how often a brand appears at the top of the recommendation list. The leading brands in September 2026 show different first-position patterns.

Close coverage can still hide very different first-position strength: The Hartford's 30.7% rank-one rate was more than double Progressive Commercial's 13.5%, despite similar presence levels. Biberk Business Insurance reached 19.5% coverage but was ranked first in 0.0% of observations, while GEICO RV Insurance at 6.3% coverage was ranked first in 0.3% of observations.

Buyer-Intent Distribution

All 303 qualified observations in September 2026, all 253 in August 2026, and all 172 in July 2026 fell into the brand recommendation class, where the AI response names or recommends one or more specific brands.

The current public series measures brand-recommendation discovery and does not yet contain qualified observations in the pricing and value or multi-brand comparison classes.

Historical Measurement Record

Evidence and Source Layer

The benchmark is built from prompt-level observations that retain the query, AI/search surface, answer, brand outcome, recommendation placement, sentiment, and, where exposed, citations or attributable evidence sources. Source presence is evidence about the information environment. It is not automatically proof that the source caused the recommendation.

Scope Boundaries

This public benchmark does not measure:

• Market share or sales attribution
• Every possible AI response a system could produce
• Organic-search ranking positions
• Social media mention volume
• Private or sponsored distribution channels
• Causality from a metric movement alone

About This Benchmark

The LLM Authority Index AI Market Discovery Index is a neutral, repeatable monthly measurement of how AI and search surfaces present brands across defined verticals. It tracks presence, recommendation coverage, placement, and sentiment from qualified prompt-level observations.

• AI Market Discovery Methodology
• AI Market Discovery Metric Definitions
• AI Market Discovery Research Standards
• Modeled AI Authority Value

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The public industry benchmark shows category-level standings. A company-level Authority Index can go deeper than this public benchmark, which cannot identify the prompts, competitors, or sources driving each brand's result.

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