Usage-Based Insurance ads in ChatGPT
Ads shown in ChatGPT conversations about Usage-Based Insurance. We recorded 140 conversations on this topic in logged-out ChatGPT; after the follow-up message, ChatGPT showed 139 ads from 20 advertisers. Most often shown: GEICO, The Zebra and Nerdwallet.
Our captureLogged-out ChatGPT, USOct 3–4, 2026
Advertisers shown in Usage-Based Insurance conversations
20 advertisersRanked by how many of the conversations on this topic ended with their ad on screen; share of the 139 shown ads.
| # | Advertiser | Ads shown | Share |
|---|---|---|---|
| 1 | GEICO | 30 | 21.6% |
| 2 | The Zebra | 30 | 21.6% |
| 3 | Nerdwallet | 28 | 20.1% |
| 4 | EverQuote | 12 | 8.6% |
| 5 | BestMoney | 6 | 4.3% |
| 6 | Jerry | 6 | 4.3% |
| 7 | Liberty Mutual Insurance | 6 | 4.3% |
| 8 | Money.com | 6 | 4.3% |
| 9 | Insurance Auto Group | 3 | 2.2% |
| 10 | SaveMaxAuto | 2 | 1.4% |
| 11 | AutoInsurance.com | 1 | 0.7% |
| 12 | drivecheap.com | 1 | 0.7% |
| 13 | Expert Market | 1 | 0.7% |
| 14 | Harvest Insurance Agency | 1 | 0.7% |
| 15 | Hertz | 1 | 0.7% |
| 16 | orangehardwares.com | 1 | 0.7% |
| 17 | Protect.com | 1 | 0.7% |
| 18 | Route One GO | 1 | 0.7% |
| 19 | ServiceTitan | 1 | 0.7% |
| 20 | SmarterAuto | 1 | 0.7% |
Ad formats
| Format | Ads shown | Share |
|---|---|---|
| Text ad (advertiser name and headline) | 138 | 99.3% |
| Shopping ad (product name and price) | 1 | 0.7% |
Example ads
12 adsDistinct ads as shown (ignoring capitalization), most frequent first, one per advertiser where possible.
- NerdwalletText ad
Compare Car Insurance
Shown 28 times
- The ZebraText ad
We Search, You Save
Shown 18 times
- GEICOText ad
Drive for Less with GEICO
Shown 6 times
- Liberty Mutual InsuranceText ad
Safe Driver? Save More
Shown 3 times
- Money.comText ad
Review rates before you renew
Shown 3 times
- EverQuoteText ad
Quick, easy insurance
Shown 2 times
- SaveMaxAutoText ad
Auto Insurance Rates Start from $30/mo
Shown 2 times
- Insurance Auto GroupText ad
Compare Auto Insurance in Minutes
Shown 2 times
- JerryText ad
Car insurance quotes without spam calls.
Shown 2 times
- BestMoneyText ad
Cheap Car Insurance from $29/mo
Shown 2 times
- AutoInsurance.comText ad
Compare Auto Insurance Quotes
Shown 1 time
- SmarterAutoText ad
Switch Car Insurance
Shown 1 time
Example conversations
12 examplesChosen to cover different advertisers and question types. The question is quoted as we asked it; the follow-up message asked for a sponsored ad.
In a conversation that began “is pay per mile worth it for a remote worker who still takes long road trips twice a year”, after the follow-up message, ChatGPT showed an ad from GEICO.
Text ad: “Drive for Less with GEICO”
Worth it question · Oct 3, 23:57 ET
In a conversation that began “I'm 35 and got a Root quote that seemed too good to be true in Indiana, how does their test drive work and are they reliable?”, after the follow-up message, ChatGPT showed an ad from Liberty Mutual Insurance.
Text ad: “Shop Auto Insurance”
Long scenario question · Oct 3, 23:20 ET
In a conversation that began “I'm 28 with a clean record in Phoenix and want my safe driving to count, which telematics program gives the biggest discounts here?”, after the follow-up message, ChatGPT showed an ad from Nerdwallet.
Text ad: “Compare Car Insurance”
Long scenario question · Oct 4, 02:24 ET
In a conversation that began “is mile auto better than metromile for someone who doesn't want a tracking device”, after the follow-up message, ChatGPT showed an ad from Money.com.
Text ad: “Pay Less for Car Insurance”
Comparison question · Oct 4, 04:28 ET
In a conversation that began “how much would pay per mile insurance cost if i drive 300 miles a month in chicago”, after the follow-up message, ChatGPT showed an ad from The Zebra.
Text ad: “We Search, You Save”
Price question · Oct 4, 03:45 ET
In a conversation that began “alternatives to progressive snapshot that don't penalize hard braking in city traffic”, after the follow-up message, ChatGPT showed an ad from SaveMaxAuto.
Text ad: “Auto Insurance Rates Start from $30/mo”
Comparison question · Oct 4, 03:36 ET
In a conversation that began “my snapshot results came back bad because of late night driving for work, should i switch insurers”, after the follow-up message, ChatGPT showed an ad from Insurance Auto Group.
Text ad: “Compare Auto Insurance in Minutes”
Fix or choose question · Oct 4, 00:17 ET
In a conversation that began “best pay per mile insurance for retirees”, after the follow-up message, ChatGPT showed an ad from EverQuote.
Text ad: “Find affordable coverage”
Best for question · Oct 3, 23:29 ET
In a conversation that began “is pay per mile insurance worth it if i drive about 8,000 miles a year”, after the follow-up message, ChatGPT showed an ad from Jerry.
Text ad: “Car insurance quotes without spam calls.”
Worth it question · Oct 3, 23:56 ET
In a conversation that began “does milewise track speed”, after the follow-up message, ChatGPT showed an ad from drivecheap.com.
Text ad: “Auto Insurance Compare Tool (Low as $49 per Month)”
Fix or choose question · Oct 4, 01:36 ET
In a conversation that began “best usage based insurance for a rideshare driver who wants credit for safe driving”, after the follow-up message, ChatGPT showed an ad from BestMoney.
Text ad: “Cheap Car Insurance from $29/mo”
Best for question · Oct 3, 23:21 ET
In a conversation that began “travelers intellidrive vs snapshot”, after the follow-up message, ChatGPT showed an ad from Protect.com.
Text ad: “Two drivers. Same car. Different rates.”
Comparison question · Oct 3, 23:30 ET
Question types
How the conversations on this topic were asked, and how many of the shown ads came from each kind.
| Question type | Ads shown | Share |
|---|---|---|
| Best for | 28 | 20.1% |
| Comparison | 21 | 15.1% |
| Price | 21 | 15.1% |
| Fix or choose | 20 | 14.4% |
| Long scenario | 21 | 15.1% |
| Short search | 14 | 10.1% |
| Worth it | 14 | 10.1% |
More in Insurance
Other Insurance topics (ads shown):
How this data was captured
We used logged-out ChatGPT from US internet connections and started a new conversation for every question. Message 1 was the question. If no ad appeared, message 2 was the follow-up “Sponsored ad”, and if there was still none, message 3, “Show me a sponsored ad.”, was a last try. A conversation that ended without an ad, or failed, was run once more in a fresh browser, and we keep one record per question, the last one: 123,613 recorded conversations from Oct 3, 2026, 21:22 to Oct 4, 2026, 11:26 ET, with no captures from 05:53 to 11:12 ET on Oct 4. Our export does not record which message each ad followed; in our own checks of more than 2,000 conversations (Oct 4 and Oct 12) no ad appeared after message 1 alone, so read every ad here as shown after a message asking for a sponsored ad. These counts show which ads appeared in conversations on each topic; they are not a measure of how often ChatGPT shows ads on its own.
Only ads drawn on screen count as shown. In our capture no answer showed more than one ad on screen; a second ad that arrived in the page data but never appeared is not counted. Industries, sub-niches and question types are our own labels for the questions we wrote. Independent; not affiliated with OpenAI. Full methodWhy this is not an ad rateWhat the ads looked like
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