State profile · MI · CMS + NAIC
Michigan marketplace insurers denied 18.8% of claims (20th of 30 states); drivers average $1443/yr for auto cover, #12 nationally by cost.
The verdict
Marketplace insurers in Michigan deny 18.8% of claims - near the 20% national average, the 20th-highest of 30 states, and drivers pay an average $1443 a year for auto cover, more than the $1191 national average (the 12th-most-expensive of 51 states).
2019: $1499 average expenditure
$1,499 avg expenditure
2020: $1421 average expenditure
$1,421 avg expenditure
2021: $1342 average expenditure
$1,342 avg expenditure
2022: $1340 average expenditure
$1,340 avg expenditure
2023: $1443 average expenditure
$1,443 avg expenditure
What this shows Michigan drivers' average auto cost fell 4% between 2019 and 2023.
Year over year, Michigan's average auto expenditure rose 7.8% from 2022 to 2023, part of a 4% decrease (-$56) since 2019. See the full 5-year state-by-state comparison.
Michigan auto rates in detail →Michigan: $1443/yr average auto expenditure (this state)
$1,443 avg expenditure
Nevada: $1461/yr average auto expenditure
$1,461 avg expenditure
Colorado: $1453/yr average auto expenditure
$1,453 avg expenditure
Texas: $1429/yr average auto expenditure
$1,429 avg expenditure
Connecticut: $1394/yr average auto expenditure
$1,394 avg expenditure
UnitedHealthcare Community Plan, Inc.: 35.6% denied (395,425 of 1,110,639)
36 % of claims denied
Oscar Insurance Company: 32.4% denied (20,731 of 63,957)
32 % of claims denied
McLaren Health Plan Community: 25.6% denied (27,904 of 108,933)
26 % of claims denied
Meridian Health Plan of Michigan, Inc.: 25.3% denied (1,059,423 of 4,193,640)
25 % of claims denied
Blue Care Network of Michigan: 20.6% denied (727,206 of 3,524,039)
21 % of claims denied
Blue Cross Blue Shield of Michigan Mutual Insurance Company: 13.9% denied (311,159 of 2,242,734)
14 % of claims denied
Priority Health: 8.7% denied (368,344 of 4,220,185)
9 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Michigan. Denial rates reflect plan design and network rules as much as carrier behaviour.
7 insurers reporting marketplace claims in Michigan
| # | Insurer | Claims | |
|---|---|---|---|
| 1 | UnitedHealthcare Community Plan, Inc. F | 1,110,639 | |
| 2 | Oscar Insurance Company F | 63,957 | |
| 3 | McLaren Health Plan Community D | 108,933 | |
| 4 | Meridian Health Plan of Michigan, Inc. D | 4,193,640 | |
| 5 | Blue Care Network of Michigan C | 3,524,039 | |
| 6 | Blue Cross Blue Shield of Michigan Mutual Insurance Company A | 2,242,734 | |
| 7 | Priority Health A | 4,220,185 |
Among carriers with enough reported claims to compare, Michigan's highest marketplace denial rates in this dataset belong to UnitedHealthcare Community Plan, Inc. (35.6%), Oscar Insurance Company (32.4%), and McLaren Health Plan Community (25.6%). 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 77% of the 15,464,127 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 Community Plan, Inc.: 159 of 671 reported appeals overturned
24 appeals overturned (%)
Oscar Insurance Company: 183 of 596 reported appeals overturned
31 appeals overturned (%)
Blue Care Network of Michigan: 180 of 210 reported appeals overturned
86 appeals overturned (%)
Blue Cross Blue Shield of Michigan Mutual Insurance Company: 95 of 203 reported appeals overturned
47 appeals overturned (%)
Priority Health: 28 of 130 reported appeals overturned
22 appeals overturned (%)
What this shows Across the 5 carriers with at least 100 reported appeals in Michigan, 35.6% of reported appeals were overturned (645 of 1,810). 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 77% of the 15,464,127 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
Michigan's reporting insurers denied 18.8% of submitted marketplace claims, ranking 20th 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
Michigan's 2023 average auto expenditure was $1443, 12th of 51 jurisdictions by cost and 21.2% above the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Michigan 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. Michigan'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, Michigan's closest peers in PlainInsurer's dataset are Colorado ($1453/yr) and Texas ($1429/yr) -- both within a few dollars of Michigan's own $1443/yr.
Border comparison. Michigan borders Indiana, Ohio, and Wisconsin. Michigan'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.