Which insurers AI recommends in Montenegro

We asked ChatGPT and Google AI Mode the 200 questions people in Montenegro ask about insurance, 400 answers in all. Lovćen osiguranje, Sava osiguranje, and Uniqa are the insurers AI names most.

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INSURANCE AI VISIBILITY STUDY · MONTENEGRO

Who AI recommends among insurers.

Edition 1 · October 20, 2026

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

200buyer questions
400AI answers analysed
2AI engines
7insurers tracked

Short answer: Lovćen osiguranje is the insurer AI recommends most in Montenegro: ChatGPT and Google AI Mode name it in 50% of answers to 200 insurance questions. Next come Sava osiguranje (46%) and Uniqa (46%).

The full report is free with a work email: every question with the insurers each engine named, the sites AI cites and the data as CSV and PDF. Open the full report.

KEY FINDINGS

What AI tells people in Montenegro.

  1. Lovćen osiguranje is the insurer AI names most: it appears in 50% of answers.
  2. Lovćen osiguranje, Sava osiguranje, and Uniqa together take 65% of all insurer mentions.
  3. Lovćen osiguranje is also the insurer AI names first most often, in 21% of answers.
  4. The engines disagree on the leader: Sava osiguranje on ChatGPT (46%) and Lovćen osiguranje on Google AI Mode (59%).
  5. Lovćen osiguranje appears in 59% of Google AI Mode answers but only 41% 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.

01Lovćen osiguranjeshare of voice 23%50%
02Sava osiguranjeshare of voice 21%46%
03Uniqashare of voice 21%46%
04Generalishare of voice 20%43%
05Graweshare of voice 10%22%
06Wiener Städtischeshare of voice 4.7%10%
07Veder osiguranjeshare of voice 0.3%0.8%
BY ENGINE

Each engine has its own favourites.

ChatGPT
  1. Sava osiguranje46%
  2. Uniqa44%
  3. Generali44%
  4. Lovćen osiguranje41%
  5. Grawe15%
Google AI Mode
  1. Lovćen osiguranje59%
  2. Uniqa49%
  3. Sava osiguranje47%
  4. Generali41%
  5. Grawe29%

Loading the full report…

QUESTIONS

Frequently asked questions.

Which insurer does AI recommend most in Montenegro?

Lovćen osiguranje is the insurer AI recommends most in Montenegro: ChatGPT and Google AI Mode name it in 50% of answers to 200 insurance questions. Next come Sava osiguranje (46%) and Uniqa (46%).

Which insurer does AI name first most often in Montenegro?

Lovćen osiguranje is named first in 21% 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: Sava osiguranje on ChatGPT (46%) and Lovćen osiguranje on Google AI Mode (59%).

How was this study made?

We asked ChatGPT and Google AI Mode the same 200 questions people in Montenegro ask about insurance, in Montenegrin, on October 20, 2026: 400 answers in all. An insurer counts when the answer names it; every question has the same weight on every engine.

Where can I get the full report?

Free with a work email at https://reaudit.io/rankings/studies/insurance/montenegro#full-report: every question with the insurers each engine named, the sites AI cites and the data as CSV and PDF.

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 20, 2026
Questions
200 questions in 8 topics, written the way people in Montenegro 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.
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How to cite: Reaudit, Insurance AI Visibility Study — Montenegro, edition 1 (October 20, 2026). https://reaudit.io/rankings/studies/insurance/montenegro

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