State profile · NE · CMS + NAIC
Nebraska marketplace insurers denied 21.8% of claims (11th of 30 states); drivers average $980/yr for auto cover, #37 nationally by cost.
The verdict
Marketplace insurers in Nebraska deny 21.8% of claims - near the 20% national average, the 11th-highest of 30 states, and drivers pay an average $980 a year for auto cover, less than the $1191 national average (the 37th-most-expensive of 51 states).
2019: $807 average expenditure
$807 avg expenditure
2020: $795 average expenditure
$795 avg expenditure
2021: $817 average expenditure
$817 avg expenditure
2022: $872 average expenditure
$872 avg expenditure
2023: $980 average expenditure
$980 avg expenditure
What this shows Nebraska drivers' average auto cost rose 21% between 2019 and 2023.
Year over year, Nebraska's average auto expenditure rose 12.4% from 2022 to 2023, part of a 21% increase (+$173) since 2019. See the full 5-year state-by-state comparison.
Nebraska auto rates in detail →Nebraska: $980/yr average auto expenditure (this state)
$980 avg expenditure
Kentucky: $1046/yr average auto expenditure
$1,046 avg expenditure
New Hampshire: $987/yr average auto expenditure
$987 avg expenditure
Montana: $975/yr average auto expenditure
$975 avg expenditure
Kansas: $973/yr average auto expenditure
$973 avg expenditure
Oscar Insurance Company: 24.9% denied (12,230 of 49,177)
25 % of claims denied
Medica Insurance Company: 23.3% denied (319,019 of 1,367,373)
23 % of claims denied
Blue Cross and Blue Shield of Nebraska: 18.2% denied (110,643 of 608,828)
18 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Nebraska. Denial rates reflect plan design and network rules as much as carrier behaviour.
3 insurers reporting marketplace claims in Nebraska
| # | Insurer | Claims | |
|---|---|---|---|
| 1 | Oscar Insurance Company F | 49,177 | |
| 2 | Medica Insurance Company D | 1,367,373 | |
| 3 | Blue Cross and Blue Shield of Nebraska B | 608,828 |
Among carriers with enough reported claims to compare, Nebraska's highest marketplace denial rates in this dataset belong to Oscar Insurance Company (24.9%), Medica Insurance Company (23.3%), and Blue Cross and Blue Shield of Nebraska (18.2%). 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 100% of the 2,025,378 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: 437 of 950 reported appeals overturned
46 appeals overturned (%)
Blue Cross and Blue Shield of Nebraska: 198 of 870 reported appeals overturned
23 appeals overturned (%)
Medica Insurance Company: 355 of 720 reported appeals overturned
49 appeals overturned (%)
What this shows Across the 3 carriers with at least 100 reported appeals in Nebraska, 39.0% of reported appeals were overturned (990 of 2,540). 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 100% of the 2,025,378 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
Nebraska's reporting insurers denied 21.8% of submitted marketplace claims, ranking 11th 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
Nebraska's 2023 average auto expenditure was $980, 37th of 51 jurisdictions by cost and 17.7% below the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Nebraska 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. Nebraska'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, Nebraska's closest peers in PlainInsurer's dataset are Montana ($975/yr) and New Hampshire ($987/yr) -- both within a few dollars of Nebraska's own $980/yr.
Border comparison. Nebraska borders Colorado, Iowa, Kansas, Missouri, South Dakota, and Wyoming. Nebraska's auto costs run higher than 2 of them and lower than 4, 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.