Motorcycle Insurance: AI Visibility Market Discovery Index

Benchmark Summary

Questions This Section Answers

• Which brand leads the Motorcycle Insurance benchmark in October 2026, and by how much?
• Which brands show the largest cumulative recommendation-coverage gain and decline since the July 2026 baseline?
• How has category leadership changed across the July-to-October measurement series?

State Farm leads the Motorcycle Insurance benchmark in October 2026 with valid recommendation coverage of 75.3%, ahead of USAA's 74.7% by 0.6 percentage points.

Measured against the July 2026 baseline, Progressive shows the category's largest cumulative gain in valid recommendation coverage, moving from no measurable coverage in July 2026 to 67.1% in October 2026. GEICO RV Insurance shows the largest cumulative decline, falling 11.1 percentage points to no measurable coverage; Progressive RV Insurance also declined 15.3 percentage points over the same span. Only three brands moved beyond normal month-to-month variation; the remaining tracked brands are classified as stable over the series even where they posted a significant month-over-month move.

Against the immediately prior month, USAA recorded the category's largest increase, rising 19.2 percentage points from 55.5% in September 2026 to 74.7% in October 2026, and GEICO RV Insurance recorded the largest decline, falling 4.7 percentage points to no measurable coverage. State Farm, Nationwide, and Allstate also posted significant month-over-month increases, none far enough from the July baseline to change their stable classification.

Across the full July-to-October series, category leadership changed hands each month: USAA led in July 2026 at 77.8%, Progressive led in August 2026 at 69.2%, USAA led again in September 2026 at 55.5%, and State Farm leads in October 2026 at 75.3%. State Farm has now recorded two consecutive monthly increases in valid recommendation coverage, moving from 48.3% in August 2026 to 52.4% in September 2026 and then to 75.3% in October 2026. The benchmark began with 800 prompt-surface observations in each month and produced 158 qualified observations in October 2026 after qualification.

Current Benchmark at a Glance

Qualified surface breadth refers to the number of canonical AI/search surface families with at least one qualified observation: ChatGPT, Copilot, Gemini, Perplexity, AI Overviews, and AI Mode. August 2026 and September 2026 sat between the baseline and current month, with 201 and 191 qualified observations respectively.

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

Research Scope and Qualification

Questions This Section Answers

• How many qualified observations sit behind the Motorcycle Insurance benchmark in October 2026?
• What is the difference between the raw prompt-surface collection and the public qualified denominator?

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 methodology details, see AI Visibility Market Discovery Methodology.

Current Brand Standings

Questions This Section Answers

• Which brands lead the October 2026 standings on valid recommendation coverage and top-three placement?
• How do presence rate, valid recommendation coverage, and rank-one rate differ among the leading brands?

This table is the primary current-month benchmark view.

Note: the tracked brand set in October 2026 uses the product-line brand forms (for example, GEICO RV Insurance, Dairyland Insurance, and Foremost Insurance), consistent with the July 2026 baseline. August 2026 used standard brand forms for the same companies.

How to Read the Standings

• Presence rate: Share of qualified observations where the brand is mentioned in the AI response.
• Valid recommendation coverage: Share of qualified observations where the brand appears in a valid recommendation shortlist.
• Top-three rate: Share of qualified observations where the brand appears among the top three recommendations.
• Rank-one rate: Share of qualified observations where the brand is the first recommendation.
• Net sentiment: Positive mentions minus negative mentions as a share of all mentions.

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

Recommendation Coverage Movement

Questions This Section Answers

• Which brand posted the largest increase in valid recommendation coverage since the July 2026 baseline?
• Which brand recorded the largest decline, and how did its mention presence and top-three rate change?
• What does State Farm's placement profile look like against USAA's close coverage gap?

The benchmark treats standard brand forms and product-specific brand forms as attribution differences rather than pure gains or losses of market presence. In October 2026, GEICO RV Insurance recorded no measurable presence across qualified observations, and the paired standard forms for Geico, Dairyland, and Foremost recorded no measurable coverage in the baseline month.

Largest Increase: Progressive

Measured against the July 2026 baseline, Progressive shows the largest cumulative gain in the category: valid recommendation coverage moved from no measurable level to 67.1%, a change of 67.1 percentage points beyond normal variation. Against the prior month, Progressive rose 22.1 percentage points from 45.0% in September 2026 to 67.1% in October 2026. Progressive posted the category's largest single-month move within the series at 69.2 percentage points, recorded in August 2026.

Largest Decline: GEICO RV Insurance

GEICO RV Insurance's valid recommendation coverage fell 11.1 percentage points from 11.1% in July 2026 to no measurable coverage in October 2026, a decline beyond normal variation. Against the prior month, coverage fell 4.7 percentage points from 4.7% in September 2026 to no measurable coverage in October 2026, which is also beyond normal variation. Raw mention presence fell from 18.0% in July 2026 to no measurable level in October 2026, and top-three rate fell from 3.5% to no measurable level over the same period.

Category Leader: State Farm

State Farm leads the category in October 2026 with valid recommendation coverage of 75.3%, ahead of USAA's 74.7% by 0.6 percentage points. State Farm also holds the category's clearest placement profile: a 62.0% top-three rate and a 43.0% rank-one rate in October 2026, up from 47.5% and 23.8% respectively in July 2026. USAA led coverage in July 2026 at 77.8%, Progressive led in August 2026 at 69.2%, and USAA led again in September 2026 at 55.5%.

Recommendation Placement Snapshot

Questions This Section Answers

• How did top-three and rank-one rates vary among State Farm, USAA, and Progressive in October 2026?
• Why can similar valid recommendation coverage still hide different first-position rates?
• How has State Farm's placement profile shifted since July 2026?

Coverage alone does not show how prominently a brand is recommended. Among the leading brands in October 2026, placement rates varied substantially.

Close coverage can still hide different first-position rates. State Farm led USAA by 0.6 percentage points in valid recommendation coverage in October 2026 (75.3% versus 74.7%), yet State Farm recorded a 43.0% rank-one rate against USAA's 7.6%.

Buyer-Intent Distribution

Questions This Section Answers

• Which buyer-intent class do all qualified Motorcycle Insurance observations fall into?
• Are there qualified observations for Pricing & Value or Multi-Brand Comparison in the current series?

All qualified observations in both months fell into the Brand Recommendation class.

The current public series measures brand recommendation discovery and does not yet contain qualified observations in the Pricing & Value or Multi-Brand Comparison classes.

Historical Measurement Record

Questions This Section Answers

• Which brand led recommendation coverage in each monthly measurement from July to October 2026?
• How did qualified observation counts change across the baseline-to-current series?

This is an evergreen benchmark URL. New measurements are added to the same report.

Evidence and Source Layer

Questions This Section Answers

• What does prompt-level source presence measure, and what does it not prove?
• How should source evidence be interpreted relative to an observed recommendation outcome?

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 attributable to AI recommendations
• Every possible AI response or surface
• Organic-search ranking
• Social mention volume
• Private or sponsored channels
• Causality from a metric movement alone

Top 10 Cited Domains

Questions This Section Answers

• Which domains were cited most often across AI platform responses, and how concentrated were their shares?
• Which source types dominate the top of the cited-domain list?
• Did any tracked Motorcycle Insurance brand's own domain appear among the top 10 cited domains?

Across all AI platform responses in this measurement period, 7,268 citations were observed across 754 unique domains. The 10 most-cited domains accounted for the following share of those citations:

Citation concentration in this vertical sits at the upper end of the range but not in a single-source pattern: the top domain, nerdwallet.com, holds 7.0% of citations, while the top 10 domains together account for roughly 40% of the 7,268 citations, leaving a long tail across the remaining 744 domains. Comparison and review sites dominate the top of the list, with nerdwallet.com, usnews.com, thezebra.com, insurify.com, insurance.com, lendingtree.com, moneygeek.com, and marketwatch.com all oriented toward aggregating and comparing insurance products; thezebra.com, insurify.com, insurance.com, lendingtree.com, and moneygeek.com each drew citations from every one of the six canonical surface families. No tracked brand's own domain appears in the top 10. Notably, google.com appears only through AI Mode and AI Overviews, consistent with it functioning as an in-surface navigational source rather than an editorial one.

About This Benchmark

The LLM Authority Index AI Visibility Market Discovery Index tracks how often and how prominently brands appear in AI-generated answers across six canonical AI/search surface families. This is a neutral industry benchmark; each tracked brand is treated on its own terms.

For more detail, see:

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

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