State profile · MT · CMS + NAIC
Insurance in Montana
How health insurers handle claims in Montana, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 14.7%
- Avg claims denied
- #26
- denial rank of 31
- $975
- Avg auto / yr
- +17%
- Auto, 5-yr
- 3
- Insurers w/ data
The verdict
Marketplace insurers in Montana deny 14.7% of claims — below the 21% national average, the 26th-highest of 31 states, and drivers pay an average $975 a year for auto cover, less than the $1191 national average.
- 14.7%
- avg claims denied
- #26
- of 31 states
- $975
- avg auto / yr
- 39%
- highest (Blue Cross and Blu)
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 Montana
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- Blue Cross and Blue Shie
Blue Cross and Blue Shield of Montana: 38.7% denied (98,238 of 253,794)
38.7 % of claims denied
- Montana Health Cooperati 8.7
Montana Health Cooperative: 8.7% denied (65,958 of 757,051)
8.7 % of claims denied
- PacificSource Health Pla 5.9
PacificSource Health Plans: 5.9% denied (10,088 of 170,816)
5.9 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Montana. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Montana, by denial rate
3 insurers reporting marketplace claims in Montana
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | Blue Cross and Blue Shield of Montana F | 253,794 | |
| 2 | Montana Health Cooperative A | 757,051 | |
| 3 | PacificSource Health Plans A | 170,816 |
Auto insurance in Montana
Auto premiums in Montana are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $836 average expenditure
$836 avg expenditure
- 2020
2020: $834 average expenditure
$834 avg expenditure
- 2021
2021: $846 average expenditure
$846 avg expenditure
- 2022
2022: $885 average expenditure
$885 avg expenditure
- 2023
2023: $975 average expenditure
$975 avg expenditure
What this shows Montana drivers' average auto cost rose 17% between 2019 and 2023.
What the data shows for Montana
Montana's marketplace insurers denied 14.7% of submitted claims in the CMS data, the 26th-highest rate of the 31 states with federal marketplace filings. Denial rates this far below 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 Montana pay an average $975 a year — less than the $1191 national average — split across $472 liability, $346 collision and $365 comprehensive premiums. That figure has moved up 17% 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 Montana 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 Montana 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 Montana'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.