Seems to have impactauto·regional monopoly (line-specific)·captured 2026-04-24
Regional monopoly — NJM owns NJ auto
NJM wins Newark, NJ auto queries 4/5 on both LLMs (one Plymouth Rock per LLM). NJM writes ~1 in 4 NJ auto policies — the cleanest regional-champion case in the dataset.
Query
What's the best car insurance in Newark, New Jersey?
Prediction: NJM — overwhelming NJ auto market share
Per-LLM run arrays
| LLM | Run 1 | Run 2 | Run 3 | Run 4 | Run 5 | Modal |
|---|---|---|---|---|---|---|
| perplexity | NJM | NJM | Plymouth Rock | NJM | NJM | NJM:4/5 |
| gemini | NJM | NJM | NJM | NJM | Plymouth Rock | NJM:4/5 |
Carriers winning this query
- NJM
Reference pages LLMs cite
Note
Caveat: same carrier doesn't win across lines. MAPFRE owns Boston home (5/5 + 3/5) but does NOT own Boston auto (Plymouth Rock + State Farm split). Line-of-business dominance is required.
Raw data
data/probe-auto-insurance-2026-04-24.json#queryId=r-nj in the Phidea repository. Available as JSON at /api/observations.json.
Other observations
- Property-type naming — luxury home(home · Seems to have impact)
- Property-type naming — historic home(home · Seems to have impact)
- Property-type naming — condo(home · Seems to have impact)
- Emerging-category presence — EV insurance(auto · Seems to have impact)
- Specialty use-case ownership — inverted (rideshare)(auto · Seems to have impact)
- Specialty use-case ownership — inverted (SR-22)(auto · Seems to have impact)
- Regional monopoly — MAPFRE owns MA home(home · Seems to have impact)
- Specialty-peril coverage — high-value jewelry(home · Small / conditional impact)