Which insurers AI recommends in Germany

We asked ChatGPT and Google AI Mode the 200 questions people in Germany ask about insurance, 400 answers in all. Allianz, HUK-COBURG, and AXA are the insurers AI names most.

Read the findings
INSURANCE AI VISIBILITY STUDY · GERMANY

Who AI recommends among insurers.

Edition 1 · October 15, 2026

Every figure on this page comes from answers given on one day, to the same questions, asked in German on each engine.

200buyer questions
400AI answers analysed
2AI engines
25insurers tracked

Short answer: Allianz is the insurer AI recommends most in Germany: ChatGPT and Google AI Mode names it in 39% of answers to 200 insurance questions. Next come HUK-COBURG (25%) and AXA (11%).

KEY FINDINGS

What AI tells people in Germany.

  1. Allianz is the insurer AI names most: it appears in 39% of answers.
  2. Allianz, HUK-COBURG, and AXA together take 42% of all insurer mentions.
  3. Allianz is also the insurer AI names first most often, in 17% of answers.
  4. Every engine names Allianz most often.
  5. CosmosDirekt appears in 16% of Google AI Mode answers but only 4% of ChatGPT answers.
TOP 10

The insurers AI names most often.

Visibility is the share of answers that name the brand, averaged over every question and engine. Share of voice is the brand’s share of all mentions.

01Allianzshare of voice 21%39%
02HUK-COBURGshare of voice 14%25%
03AXAshare of voice 6.3%11%
04CosmosDirektshare of voice 5.6%10%
05ERGOshare of voice 5.3%9.5%
06R+Vshare of voice 5.1%9.3%
07Debekashare of voice 4.3%7.8%
08HanseMerkurshare of voice 3.9%7%
09VHVshare of voice 3.6%6.5%
10LVMshare of voice 2.5%4.5%
BY ENGINE

Each engine has its own favourites.

ChatGPT
  1. Allianz39%
  2. HUK-COBURG23%
  3. AXA8.5%
  4. ERGO7%
  5. HanseMerkur6.5%
Google AI Mode
  1. Allianz38%
  2. HUK-COBURG28%
  3. CosmosDirekt16%
  4. AXA14%
  5. R+V13%

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QUESTIONS

Frequently asked questions.

Which insurer does AI recommend most in Germany?

Allianz is the insurer AI recommends most in Germany: ChatGPT and Google AI Mode names it in 39% of answers to 200 insurance questions. Next come HUK-COBURG (25%) and AXA (11%).

Which insurer does AI name first most often in Germany?

Allianz is named first in 17% of answers, more often than any other insurer.

Do ChatGPT and Google AI Mode recommend the same insurers?

Not always. The insurer each engine names most: Allianz on ChatGPT (39%) and Allianz on Google AI Mode (38%).

How was this study made?

We asked ChatGPT and Google AI Mode the same 200 questions people in Germany ask about insurance, in German, on October 15, 2026: 400 answers in all. An insurer counts when the answer names it; every question has the same weight on every engine.

How can an insurer appear more often in AI answers?

AI engines name the insurers that the pages they read and cite name: your own pages, comparison sites, news and official sources. Answer buyers’ questions clearly on your site, be present on the sites AI cites in your market, and track the questions that matter on every engine.

METHOD

How this study was made.

Period
October 15, 2026
Questions
200 questions in 8 topics, written the way people in Germany search
Engines
ChatGPT, Google AI Mode
Answers
400
Counting
A brand counts when the answer names it. Every question has the same weight on every engine; repeated runs of a question are averaged. Comparison sites, brokers and public bodies are measured too, but ranked separately from insurers.
  • Car and motorbike insurance · 25
  • Home insurance · 25
  • Health insurance · 25
  • Life, savings and pensions · 25
  • Business insurance · 25
  • Travel, pets and other cover · 25
  • Comparing insurers · 25
  • Claims and customer service · 25
  • Welche Kfz-Versicherung ist für Fahranfänger am günstigsten?Car and motorbike insurance
  • Welche Hausratversicherung ist die beste für eine Mietwohnung?Home insurance
  • Welche private Krankenversicherung ist die beste für Selbstständige?Health insurance
  • Welche Risikolebensversicherung ist die günstigste für Nichtraucher?Life, savings and pensions
  • Welche Betriebshaftpflicht ist für kleine Handwerksbetriebe die günstigste?Business insurance
  • Welche Auslandsreisekrankenversicherung ist die beste für Familien?Travel, pets and other cover
  • Welches ist die beste Versicherung in Deutschland insgesamt?Comparing insurers
  • Welche Versicherung zahlt im Schadensfall am schnellsten?Claims and customer service

How to cite: Reaudit, Insurance AI Visibility Study — Germany, edition 1 (October 15, 2026). https://reaudit.io/rankings/studies/insurance/germany

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OTHER MARKETS

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