State profile · LA · CMS + NAIC
Louisiana marketplace insurers denied 20.1% of claims (16th of 30 states); drivers average $1749/yr for auto cover, #3 nationally by cost.
The verdict
Marketplace insurers in Louisiana deny 20.1% of claims - near the 20% national average, the 16th-highest of 30 states, and drivers pay an average $1749 a year for auto cover, more than the $1191 national average (the 3rd-most-expensive of 51 states).
2019: $1560 average expenditure
$1,560 avg expenditure
2020: $1495 average expenditure
$1,495 avg expenditure
2021: $1500 average expenditure
$1,500 avg expenditure
2022: $1558 average expenditure
$1,558 avg expenditure
2023: $1749 average expenditure
$1,749 avg expenditure
What this shows Louisiana drivers' average auto cost rose 12% between 2019 and 2023.
Year over year, Louisiana's average auto expenditure rose 12.3% from 2022 to 2023, part of a 12% increase (+$189) since 2019. See the full 5-year state-by-state comparison.
Louisiana auto rates in detail →Louisiana: $1749/yr average auto expenditure (this state)
$1,749 avg expenditure
Florida: $1864/yr average auto expenditure
$1,864 avg expenditure
New York: $1753/yr average auto expenditure
$1,753 avg expenditure
District of Columbia: $1677/yr average auto expenditure
$1,677 avg expenditure
New Jersey: $1573/yr average auto expenditure
$1,573 avg expenditure
UnitedHealthcare Insurance Company: 35.4% denied (549,914 of 1,553,306)
35 % of claims denied
CHRISTUS Health Plan Louisiana: 28.0% denied (66,846 of 238,872)
28 % of claims denied
Ambetter Health of Louisiana, Inc.: 20.7% denied (437,252 of 2,111,052)
21 % of claims denied
HMO Louisiana, Inc.: 16.6% denied (1,002,520 of 6,029,822)
17 % of claims denied
Louisiana Health Service & Indemnity Company: 14.6% denied (156,586 of 1,073,268)
15 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Louisiana. Denial rates reflect plan design and network rules as much as carrier behaviour.
5 insurers reporting marketplace claims in Louisiana
| # | Insurer | Claims | |
|---|---|---|---|
| 1 | UnitedHealthcare Insurance Company F | 1,553,306 | |
| 2 | CHRISTUS Health Plan Louisiana D | 238,872 | |
| 3 | Ambetter Health of Louisiana, Inc. C | 2,111,052 | |
| 4 | HMO Louisiana, Inc. B | 6,029,822 | |
| 5 | Louisiana Health Service & Indemnity Company A | 1,073,268 |
Among carriers with enough reported claims to compare, Louisiana's highest marketplace denial rates in this dataset belong to UnitedHealthcare Insurance Company (35.4%), CHRISTUS Health Plan Louisiana (28.0%), and Ambetter Health of Louisiana, Inc. (20.7%). 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 88% of the 11,006,320 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.
HMO Louisiana, Inc.: 602 of 1,813 reported appeals overturned
33 appeals overturned (%)
CHRISTUS Health Plan Louisiana: 641 of 1,566 reported appeals overturned
41 appeals overturned (%)
UnitedHealthcare Insurance Company: 182 of 521 reported appeals overturned
35 appeals overturned (%)
Louisiana Health Service & Indemnity Company: 117 of 364 reported appeals overturned
32 appeals overturned (%)
What this shows Across the 4 carriers with at least 100 reported appeals in Louisiana, 36.2% of reported appeals were overturned (1,542 of 4,264). 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 88% of the 11,006,320 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
Louisiana's reporting insurers denied 20.1% of submitted marketplace claims, ranking 16th 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
Louisiana's 2023 average auto expenditure was $1749, 3rd of 51 jurisdictions by cost and 46.9% above the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Louisiana 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. Louisiana'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, Louisiana's closest peers in PlainInsurer's dataset are New York ($1753/yr) and District of Columbia ($1677/yr) -- both within a few dollars of Louisiana's own $1749/yr.
Border comparison. Louisiana borders Arkansas, Mississippi, and Texas. Louisiana'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.