State profile · MS · CMS + NAIC
Mississippi marketplace insurers denied 19.4% of claims (19th of 30 states); drivers average $1200/yr for auto cover, #19 nationally by cost.
The verdict
Marketplace insurers in Mississippi deny 19.4% of claims - near the 20% national average, the 19th-highest of 30 states, and drivers pay an average $1200 a year for auto cover, about the $1191 national average (the 19th-most-expensive of 51 states).
Cigna Health and Life Insurance Company: 30.5% denied (794,990 of 2,609,050)
31 % of claims denied
UnitedHealthcare of Mississippi, Inc.: 26.9% denied (98,116 of 365,368)
27 % of claims denied
Molina Healthcare of Mississippi, Inc: 23.0% denied (174,066 of 757,369)
23 % of claims denied
Ambetter of Magnolia Inc.: 16.5% denied (2,020,936 of 12,226,636)
17 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Mississippi. Denial rates reflect plan design and network rules as much as carrier behaviour.
4 insurers reporting marketplace claims in Mississippi
| # | Insurer | Claims | |
|---|---|---|---|
| 1 | Cigna Health and Life Insurance Company D | 2,609,050 | |
| 2 | UnitedHealthcare of Mississippi, Inc. D | 365,368 | |
| 3 | Molina Healthcare of Mississippi, Inc D | 757,369 | |
| 4 | Ambetter of Magnolia Inc. B | 12,226,636 |
Among carriers with enough reported claims to compare, Mississippi's highest marketplace denial rates in this dataset belong to Cigna Health and Life Insurance Company (30.5%), UnitedHealthcare of Mississippi, Inc. (26.9%), and Molina Healthcare of Mississippi, Inc (23.0%). 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 98% of the 15,958,423 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.
Cigna Health and Life Insurance Company: 125 of 257 reported appeals overturned
49 appeals overturned (%)
UnitedHealthcare of Mississippi, Inc.: 61 of 196 reported appeals overturned
31 appeals overturned (%)
What this shows Across the 2 carriers with at least 100 reported appeals in Mississippi, 41.1% of reported appeals were overturned (186 of 453). This filing field describes reported outcomes, not the likelihood that an individual claim will change.
2019: $978 average expenditure
$978 avg expenditure
2020: $979 average expenditure
$979 avg expenditure
2021: $1004 average expenditure
$1,004 avg expenditure
2022: $1061 average expenditure
$1,061 avg expenditure
2023: $1200 average expenditure
$1,200 avg expenditure
What this shows Mississippi drivers' average auto cost rose 23% between 2019 and 2023.
Year over year, Mississippi's average auto expenditure rose 13.1% from 2022 to 2023, part of a 23% increase (+$222) since 2019. See the full 5-year state-by-state comparison.
Mississippi auto rates in detail →Mississippi: $1200/yr average auto expenditure (this state)
$1,200 avg expenditure
Massachusetts: $1326/yr average auto expenditure
$1,326 avg expenditure
California: $1223/yr average auto expenditure
$1,223 avg expenditure
Oregon: $1170/yr average auto expenditure
$1,170 avg expenditure
Utah: $1169/yr average auto expenditure
$1,169 avg expenditure
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 98% of the 15,958,423 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
Mississippi's reporting insurers denied 19.4% of submitted marketplace claims, ranking 19th 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
Mississippi's 2023 average auto expenditure was $1200, 19th of 51 jurisdictions by cost and 0.7% above the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Mississippi 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. Mississippi'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, Mississippi's closest peers in PlainInsurer's dataset are California ($1223/yr) and Oregon ($1170/yr) -- both within a few dollars of Mississippi's own $1200/yr.
Border comparison. Mississippi borders Alabama, Arkansas, Louisiana, and Tennessee. Mississippi's auto costs run higher than 1 of them and lower than 3, 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.