Umbrella Insurance: AI Market Discovery Index

Benchmark Summary

USAA led all tracked brands with 77.0% valid recommendation coverage in August 2026, up from 66.8% in July 2026. This represented a gap of 2.8 points over State Farm, the next closest brand at 74.2% in August 2026.

The largest coverage increase came from Progressive, which entered the benchmark at 63.8% in August 2026 with no comparable July figure. Liberty Mutual posted the largest gain among brands with a July baseline, rising to 43.8% in August 2026 from 28.5% in July 2026, a move beyond normal month-to-month variation.

The largest coverage decline belonged to Progressive RV Insurance, which fell to 0.0% in August 2026 from 23.6% in July 2026. Chubb also declined significantly to 23.8% in August 2026 from 37.8% in July 2026, and GEICO RV Insurance dropped to 0.0% in August 2026 from 17.2% in July 2026.

The benchmark began with 800 prompt-surface observations in each month and produced 365 qualified observations in August 2026 after qualification.

Current Benchmark at a Glance

Qualified surface breadth counts the number of canonical AI/search surface families with at least one qualified observation. The six families are ChatGPT, Copilot, Gemini, Perplexity, AI Overviews, and AI Mode.

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

Research Scope and Qualification

Brand-level percentages use the qualified observations as the public denominator, not the raw collection. AI Market Discovery Methodology.

Current Brand Standings

This table is the primary current-month benchmark view. Brands sorted by valid recommendation coverage.

How to Read the Standings

• Presence rate: the share of qualified observations where the brand is mentioned at all.
• Valid recommendation coverage: the share of qualified observations where the brand appears in a valid recommendation shortlist.
• Top-three rate: the share of qualified observations where the brand appears in the first three recommendation positions.
• Rank-one rate: the share of qualified observations where the brand is the first recommendation.
• Net sentiment: the balance of positive over negative mentions, from 0 to 1.

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

Recommendation Coverage Movement

Largest Increase: Progressive

Progressive entered the benchmark in August 2026 with 63.8% valid recommendation coverage, ranking fourth overall. Its 95.6% presence rate was among the highest in the field. The brand appeared in the top three in 36.4% of qualified observations.

Largest Increase (with baseline): Liberty Mutual

Liberty Mutual rose to 43.8% in August 2026 from 28.5% in July 2026, a gain of 15.3 points that exceeded normal month-to-month variation. Presence rose to 75.3% in August 2026 from 63.2% in July 2026. Despite the coverage gain, top-three placement slipped to 1.9% in August 2026 from 3.1% in July 2026.

Largest Decline: Progressive RV Insurance

Progressive RV Insurance fell to 0.0% in August 2026 from 23.6% in July 2026, a drop of 23.6 points beyond normal variation. The brand recorded no qualified observations in August 2026. GEICO RV Insurance followed a similar pattern, declining to 0.0% in August 2026 from 17.2% in July 2026.

Category Leader: USAA

USAA led the benchmark with 77.0% valid recommendation coverage in August 2026, up from 66.8% in July 2026. Its presence rate was 94.8% in August 2026, and its rank-one rate rose to 9.3% in August 2026 from 5.9% in July 2026. Top-three placement declined to 19.2% in August 2026 from 26.7% in July 2026, even as leadership strengthened.

Recommendation Placement Snapshot

Coverage alone does not show how prominently a brand is recommended. Among the leading brands, first-position rates varied substantially.

Close coverage rates can still hide different first-position rates. State Farm's 35.6% rank-one rate far exceeds USAA's 9.3%, despite USAA's higher overall coverage. State Farm and Travelers both raised their top-three and rank-one rates from July to August 2026, while USAA's top-three rate fell even as its rank-one rate rose.

Buyer-Intent Distribution

All 365 qualified observations in August 2026 and all 389 in July 2026 fell into the brand recommendation class, covering discovery and consideration queries.

The current public series measures brand recommendation discovery only; pricing, value, and multi-brand comparison questions have no public signal in this data.

Historical Measurement Record

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

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 attributable sales
• Every possible AI response to a given prompt
• Organic-search ranking or social mention volume
• Private or sponsored channels
• Causality from a metric movement alone

About This Benchmark

The LLM Authority Index AI Market Discovery Index tracks how often brands appear in AI-generated recommendations across major AI surfaces. This umbrella insurance edition covers ten brands across six AI surface families with monthly measurements.

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

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