Editor's Note: One of Liberty Mutual's “Responsibility”-themed commercials, originally on our Top 10 list, was removed at the insurer's request on the afternoon of May 1. In its place, and in recognition of the international nature of the P&C industry, we have replaced it with a hilarious commercial from the U.K.

State Farm: State of Unrest

Can you call your insurance and speak to an agent at three in the morning? In its “State of Unrest” commercial, State Farm sends the message that its representatives are ready to handle any claim at any time—and in a nice, pressed pair of khakis.

Allstate: Mayhem

You may know Dean Winters as a television actor, appearing on shows such as 30 Rock. But you definitely know him as “Mayhem” in Allstate's popular ad campaign. Mayhem was a unanimous selection for the best commercials—the real trouble was figuring out which was “the best.”

Progressive: Pants on Fire

Progressive's commercial spokesperson “Flo” is admittedly getting old, but the addition of two awkward insurance clerks from a nameless rival company has breathed some life back into the campaign. The lying rivals—who are called out for claiming they offer a service that is only available from Progressive—sends customers the message that they should stick with a company they trust, or else they could end up losing their “pantalones.”