State profile · IN · CMS + NAIC
Insurance in Indiana
How health insurers handle claims in Indiana, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 24.2%
- Avg claims denied
- #4
- denial rank of 31
- $926
- Avg auto / yr
- +19%
- Auto, 5-yr
- 3
- Insurers w/ data
The verdict
Marketplace insurers in Indiana deny 24.2% of claims — above the 21% national average, the 4th-highest of 31 states, and drivers pay an average $926 a year for auto cover, less than the $1191 national average.
- 24.2%
- avg claims denied
- #4
- of 31 states
- $926
- avg auto / yr
- 39%
- highest (Cigna Health and L)
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
Highest claim-denial rates in Indiana
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- Cigna Health and Life
Cigna Health and Life Insurance Company: 38.6% denied (166,594 of 431,462)
38.6 % of claims denied
- CareSource Indiana
CareSource Indiana, Inc.: 23.5% denied (749,496 of 3,192,656)
23.5 % of claims denied
- Anthem Ins Companies Inc
Anthem Ins Companies Inc(Anthem BCBS): 20.6% denied (211,683 of 1,028,777)
20.6 % 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.
Health insurers in Indiana, by denial rate
3 insurers reporting marketplace claims in Indiana
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | Cigna Health and Life Insurance Company D | 431,462 | |
| 2 | CareSource Indiana, Inc. D | 3,192,656 | |
| 3 | Anthem Ins Companies Inc(Anthem BCBS) C | 1,028,777 |
Auto insurance in Indiana
Auto premiums in Indiana are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $781 average expenditure
$781 avg expenditure
- 2020
2020: $769 average expenditure
$769 avg expenditure
- 2021
2021: $767 average expenditure
$767 avg expenditure
- 2022
2022: $814 average expenditure
$814 avg expenditure
- 2023
2023: $926 average expenditure
$926 avg expenditure
What this shows Indiana drivers' average auto cost rose 19% between 2019 and 2023.
What the data shows for Indiana
Indiana's marketplace insurers denied 24.2% of submitted claims in the CMS data, the 4th-highest rate of the 31 states with federal marketplace filings. Denial rates this far above the 21% national average usually reflect the state's mix of plan types and risk pool rather than any single carrier — Medicaid managed-care and narrow-network plans route more claims through utilization review.
On the auto side, drivers in Indiana pay an average $926 a year — less than the $1191 national average — split across $485 liability, $357 collision and $189 comprehensive premiums. That figure has moved up 19% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in Indiana can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For Indiana residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare Indiana's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.