State profile · FL · CMS + NAIC
Florida marketplace insurers denied 22.7% of claims (6th of 30 states); drivers average $1864/yr for auto cover, #1 nationally by cost.
The verdict
Marketplace insurers in Florida deny 22.7% of claims - above the 20% national average, the 6th-highest of 30 states, and drivers pay an average $1864 a year for auto cover, more than the $1191 national average (the 1st-most-expensive of 51 states).
2019: $1489 average expenditure
$1,489 avg expenditure
2020: $1389 average expenditure
$1,389 avg expenditure
2021: $1424 average expenditure
$1,424 avg expenditure
2022: $1568 average expenditure
$1,568 avg expenditure
2023: $1864 average expenditure
$1,864 avg expenditure
What this shows Florida drivers' average auto cost rose 25% between 2019 and 2023.
Year over year, Florida's average auto expenditure rose 18.9% from 2022 to 2023, part of a 25% increase (+$375) since 2019. See the full 5-year state-by-state comparison.
Florida auto rates in detail →Florida: $1864/yr average auto expenditure (this state)
$1,864 avg expenditure
New York: $1753/yr average auto expenditure
$1,753 avg expenditure
Louisiana: $1749/yr average auto expenditure
$1,749 avg expenditure
AmeriHealth Caritas Florida, Inc.: 30.5% denied (28,025 of 92,022)
31 % of claims denied
AvMed, Inc.: 28.7% denied (134,771 of 469,288)
29 % of claims denied
UnitedHealthcare of Florida, Inc.: 26.1% denied (1,193,794 of 4,576,465)
26 % of claims denied
Molina Healthcare of Florida, Inc: 25.7% denied (413,919 of 1,609,637)
26 % of claims denied
Health First Commercial Plans, Inc.: 25.3% denied (577,569 of 2,281,549)
25 % of claims denied
Health Options, Inc.: 24.6% denied (10,591,169 of 43,035,924)
25 % of claims denied
Cigna Health and Life Insurance Company: 22.2% denied (1,060,938 of 4,777,130)
22 % of claims denied
Sunshine State Health Plan: 19.7% denied (344,204 of 1,747,455)
20 % of claims denied
Blue Cross and Blue Shield of Florida: 19.4% denied (4,500,594 of 23,252,714)
19 % of claims denied
Florida Health Care Plan, Inc.: 18.5% denied (671,323 of 3,627,195)
19 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Florida. Denial rates reflect plan design and network rules as much as carrier behaviour.
11 insurers reporting marketplace claims in Florida
| # | Insurer | Claims | |
|---|---|---|---|
| 1 | AmeriHealth Caritas Florida, Inc. F | 92,022 | |
| 2 | AvMed, Inc. F | 469,288 | |
| 3 | UnitedHealthcare of Florida, Inc. D | 4,576,465 | |
| 4 | Molina Healthcare of Florida, Inc D | 1,609,637 | |
| 5 | Health First Commercial Plans, Inc. D | 2,281,549 | |
| 6 | Health Options, Inc. D | 43,035,924 | |
| 7 | Cigna Health and Life Insurance Company D | 4,777,130 | |
| 8 | Sunshine State Health Plan C | 1,747,455 | |
| 9 | Blue Cross and Blue Shield of Florida C | 23,252,714 | |
| 10 | Florida Health Care Plan, Inc. B | 3,627,195 | |
| 11 | Capital Health Plan A | 559,771 |
Among carriers with enough reported claims to compare, Florida's highest marketplace denial rates in this dataset belong to AmeriHealth Caritas Florida, Inc. (30.5%), AvMed, Inc. (28.7%), and UnitedHealthcare of Florida, Inc. (26.1%). A high rate often reflects utilization-review intensity and network design, not just claim legitimacy -- check the carrier's own profile before drawing conclusions.
The 3 largest insurers account for 83% of the 86,029,150 claims represented here. The statewide rate is based on several reporting carriers, but its largest contributors still shape the aggregate. Only insurers with at least 1,000 claims in the CMS filing are included, so this is a description of the available dataset rather than the full insurance market.
UnitedHealthcare of Florida, Inc.: 882 of 3,373 reported appeals overturned
26 appeals overturned (%)
Health Options, Inc.: 1,402 of 3,129 reported appeals overturned
45 appeals overturned (%)
Blue Cross and Blue Shield of Florida: 1,433 of 3,012 reported appeals overturned
48 appeals overturned (%)
Cigna Health and Life Insurance Company: 389 of 1,210 reported appeals overturned
32 appeals overturned (%)
Florida Health Care Plan, Inc.: 281 of 1,024 reported appeals overturned
27 appeals overturned (%)
What this shows Across the 7 carriers with at least 100 reported appeals in Florida, 38.1% of reported appeals were overturned (4,729 of 12,408). This filing field describes reported outcomes, not the likelihood that an individual claim will change.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Reporting-sample shape
The 3 largest reporting insurers represent 83% of the 86,029,150 claims in this page's CMS sample. That concentration means the statewide rate can be strongly affected by a few carriers and their plan mix.
Marketplace claims filing
Florida's reporting insurers denied 22.7% of submitted marketplace claims, ranking 6th among the 30 states with a comparable federal filing. This is a carrier-reported claims measure, not a consumer-complaint rate or a prediction of how an individual claim will be resolved.
Auto-cost position
Florida's 2023 average auto expenditure was $1864, 1st of 51 jurisdictions by cost and 56.5% above the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Florida is one of 12 no-fault auto-insurance states: drivers file injury claims with their own insurer's Personal Injury Protection coverage regardless of who caused the accident, rather than suing the at-fault driver. Florida's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, Florida's closest peers in PlainInsurer's dataset are New York ($1753/yr) and Louisiana ($1749/yr) -- both within a few dollars of Florida's own $1864/yr.
Border comparison. Florida borders Alabama and Georgia. Florida's auto costs run higher than all of them, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.