State profile · IN · CMS + NAIC
Indiana marketplace insurers denied 22.3% of claims (8th of 30 states); drivers average $926/yr for auto cover, #43 nationally by cost.
The verdict
Marketplace insurers in Indiana deny 22.3% of claims - near the 20% national average, the 8th-highest of 30 states, and drivers pay an average $926 a year for auto cover, less than the $1191 national average (the 43rd-most-expensive of 51 states).
2019: $781 average expenditure
$781 avg expenditure
2020: $769 average expenditure
$769 avg expenditure
2021: $767 average expenditure
$767 avg expenditure
2022: $814 average expenditure
$814 avg expenditure
2023: $926 average expenditure
$926 avg expenditure
What this shows Indiana drivers' average auto cost rose 19% between 2019 and 2023.
Year over year, Indiana's average auto expenditure rose 13.8% from 2022 to 2023, part of a 19% increase (+$145) since 2019. See the full 5-year state-by-state comparison.
Indiana auto rates in detail →Indiana: $926/yr average auto expenditure (this state)
$926 avg expenditure
Ohio: $947/yr average auto expenditure
$947 avg expenditure
South Dakota: $936/yr average auto expenditure
$936 avg expenditure
North Carolina: $925/yr average auto expenditure
$925 avg expenditure
Wisconsin: $922/yr average auto expenditure
$922 avg expenditure
Cigna Health and Life Insurance Company: 27.4% denied (117,559 of 429,443)
27 % of claims denied
Anthem Ins Companies Inc(Anthem BCBS): 22.7% denied (807,186 of 3,553,957)
23 % of claims denied
CareSource Indiana, Inc.: 21.4% denied (800,053 of 3,746,232)
21 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Indiana. Denial rates reflect plan design and network rules as much as carrier behaviour.
3 insurers reporting marketplace claims in Indiana
| # | Insurer | Claims | |
|---|---|---|---|
| 1 | Cigna Health and Life Insurance Company D | 429,443 | |
| 2 | Anthem Ins Companies Inc(Anthem BCBS) D | 3,553,957 | |
| 3 | CareSource Indiana, Inc. C | 3,746,232 |
Among carriers with enough reported claims to compare, Indiana's highest marketplace denial rates in this dataset belong to Cigna Health and Life Insurance Company (27.4%), Anthem Ins Companies Inc(Anthem BCBS) (22.7%), and CareSource Indiana, Inc. (21.4%). 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 reported-claims sample is highly concentrated: the 3 largest insurers account for 100% of the 7,729,632 claims represented here. That makes the statewide rate especially sensitive to the mix and experience of a few reporting carriers. 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.
CareSource Indiana, Inc.: 935 of 5,621 reported appeals overturned
17 appeals overturned (%)
Anthem Ins Companies Inc(Anthem BCBS): 359 of 1,174 reported appeals overturned
31 appeals overturned (%)
What this shows Across the 2 carriers with at least 100 reported appeals in Indiana, 19.0% of reported appeals were overturned (1,294 of 6,795). 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 100% of the 7,729,632 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
Indiana's reporting insurers denied 22.3% of submitted marketplace claims, ranking 8th 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
Indiana's 2023 average auto expenditure was $926, 43rd of 51 jurisdictions by cost and 22.2% below the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Indiana uses an at-fault (tort) auto-insurance system: the driver responsible for an accident, or their insurer, is liable for the other party's damages -- unlike the 12 no-fault states. Indiana'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, Indiana's closest peers in PlainInsurer's dataset are North Carolina ($925/yr) and Wisconsin ($922/yr) -- both within a few dollars of Indiana's own $926/yr.
Border comparison. Indiana borders Illinois, Kentucky, Michigan, and Ohio. Indiana's auto costs run lower 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.