State profile · KS · CMS + NAIC
Kansas marketplace insurers denied 20.5% of claims (13th of 30 states); drivers average $973/yr for auto cover, #39 nationally by cost.
The verdict
Marketplace insurers in Kansas deny 20.5% of claims - near the 20% national average, the 13th-highest of 30 states, and drivers pay an average $973 a year for auto cover, less than the $1191 national average (the 39th-most-expensive of 51 states).
2019: $818 average expenditure
$818 avg expenditure
2020: $793 average expenditure
$793 avg expenditure
2021: $816 average expenditure
$816 avg expenditure
2022: $868 average expenditure
$868 avg expenditure
2023: $973 average expenditure
$973 avg expenditure
What this shows Kansas drivers' average auto cost rose 19% between 2019 and 2023.
Year over year, Kansas's average auto expenditure rose 12.0% from 2022 to 2023, part of a 19% increase (+$155) since 2019. See the full 5-year state-by-state comparison.
Kansas auto rates in detail →Kansas: $973/yr average auto expenditure (this state)
$973 avg expenditure
Nebraska: $980/yr average auto expenditure
$980 avg expenditure
Montana: $975/yr average auto expenditure
$975 avg expenditure
Wyoming: $948/yr average auto expenditure
$948 avg expenditure
Ohio: $947/yr average auto expenditure
$947 avg expenditure
Oscar Insurance Company: 32.4% denied (123,477 of 380,721)
32 % of claims denied
Medica Insurance Company: 28.2% denied (17,004 of 60,305)
28 % of claims denied
UnitedHealthcare Insurance Company: 26.0% denied (298,019 of 1,145,267)
26 % of claims denied
Blue Cross and Blue Shield of Kansas City: 21.8% denied (22,862 of 104,797)
22 % of claims denied
Celtic Insurance Company: 19.0% denied (799,505 of 4,203,427)
19 % of claims denied
Blue Cross and Blue Shield of Kansas, Inc.: 15.6% denied (171,711 of 1,100,878)
16 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Kansas. Denial rates reflect plan design and network rules as much as carrier behaviour.
6 insurers reporting marketplace claims in Kansas
| # | Insurer | Claims | |
|---|---|---|---|
| 1 | Oscar Insurance Company F | 380,721 | |
| 2 | Medica Insurance Company D | 60,305 | |
| 3 | UnitedHealthcare Insurance Company F | 1,145,267 | |
| 4 | Blue Cross and Blue Shield of Kansas City C | 104,797 | |
| 5 | Celtic Insurance Company C | 4,203,427 | |
| 6 | Blue Cross and Blue Shield of Kansas, Inc. A | 1,100,878 |
Among carriers with enough reported claims to compare, Kansas's highest marketplace denial rates in this dataset belong to Oscar Insurance Company (32.4%), Medica Insurance Company (28.2%), and UnitedHealthcare Insurance Company (26.0%). 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 92% of the 6,995,395 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.
Oscar Insurance Company: 1,440 of 4,096 reported appeals overturned
35 appeals overturned (%)
Celtic Insurance Company: 20 of 1,121 reported appeals overturned
2 appeals overturned (%)
UnitedHealthcare Insurance Company: 288 of 915 reported appeals overturned
32 appeals overturned (%)
Blue Cross and Blue Shield of Kansas, Inc.: 96 of 174 reported appeals overturned
55 appeals overturned (%)
What this shows Across the 4 carriers with at least 100 reported appeals in Kansas, 29.2% of reported appeals were overturned (1,844 of 6,306). 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 92% of the 6,995,395 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
Kansas's reporting insurers denied 20.5% of submitted marketplace claims, ranking 13th 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
Kansas's 2023 average auto expenditure was $973, 39th of 51 jurisdictions by cost and 18.3% below the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Kansas 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. Kansas's insurance commissioner is a directly elected statewide office, one of 11 states where voters choose this role rather than a governor.
Nearest expenditure peers. By average auto expenditure, Kansas's closest peers in PlainInsurer's dataset are Montana ($975/yr) and Nebraska ($980/yr) -- both within a few dollars of Kansas's own $973/yr.
Border comparison. Kansas borders Colorado, Missouri, Nebraska, and Oklahoma. Kansas'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.