Insurance commercials are the worst. And there are just so many of them.
It is a form of captive market*. State governments require you to have the product, so there is a large market of consumers to tap, but the typical driver doesn't look further than the state minimum coverage with maybe a bell or whistle or two, so there is little to differentiate the products. The products are also subject to state regulation, further narrowing the range of choices. So outside of a few ads touting various bells and whistles like phone apps, insurance ads generally focus on branding, wanting you to view the company favorably rather than the product. The "drivers who switched saved X" ads are particularly annoying, since drivers rarely switch to pay more, so that is pretty much true for all companies.
* I am not an economist, but my understanding is that in a true captive market there is a limited choice of suppliers. Here, there are lots of suppliers, but not much difference in the product and heavy state regulation.
