State profile · OH · CMS + NAIC
Ohio marketplace insurers denied 22.0% of claims (10th of 30 states); drivers average $947/yr for auto cover, #41 nationally by cost.
The verdict
Marketplace insurers in Ohio deny 22.0% of claims - near the 20% national average, the 10th-highest of 30 states, and drivers pay an average $947 a year for auto cover, less than the $1191 national average (the 41st-most-expensive of 51 states).
2019: $806 average expenditure
$806 avg expenditure
2020: $787 average expenditure
$787 avg expenditure
2021: $780 average expenditure
$780 avg expenditure
2022: $835 average expenditure
$835 avg expenditure
2023: $947 average expenditure
$947 avg expenditure
What this shows Ohio drivers' average auto cost rose 17% between 2019 and 2023.
Year over year, Ohio's average auto expenditure rose 13.4% from 2022 to 2023, part of a 17% increase (+$141) since 2019. See the full 5-year state-by-state comparison.
Ohio auto rates in detail →Ohio: $947/yr average auto expenditure (this state)
$947 avg expenditure
Kansas: $973/yr average auto expenditure
$973 avg expenditure
Wyoming: $948/yr average auto expenditure
$948 avg expenditure
South Dakota: $936/yr average auto expenditure
$936 avg expenditure
Indiana: $926/yr average auto expenditure
$926 avg expenditure
Oscar Buckeye State Insurance Corp.: 36.4% denied (694,493 of 1,910,531)
36 % of claims denied
UnitedHealthcare of Ohio, Inc.: 33.2% denied (409,921 of 1,235,593)
33 % of claims denied
Summa Insurance Company, Inc.: 29.0% denied (62,439 of 215,623)
29 % of claims denied
Molina Healthcare of Ohio, Inc.: 23.7% denied (521,748 of 2,198,393)
24 % of claims denied
CareSource Ohio, Inc.: 23.4% denied (723,093 of 3,085,983)
23 % of claims denied
Oscar Insurance Corporation of Ohio: 22.1% denied (141,223 of 639,135)
22 % of claims denied
Buckeye Community Health Plan: 20.1% denied (820,592 of 4,081,129)
20 % of claims denied
Medical Health Insuring Corp. of Ohio: 17.4% denied (236,813 of 1,360,063)
17 % of claims denied
Paramount Insurance Company: 15.7% denied (18,128 of 115,113)
16 % of claims denied
Community Insurance Company(Anthem BCBS): 12.8% denied (489,897 of 3,841,838)
13 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Ohio. Denial rates reflect plan design and network rules as much as carrier behaviour.
10 insurers reporting marketplace claims in Ohio
| # | Insurer | Claims | |
|---|---|---|---|
| 1 | Oscar Buckeye State Insurance Corp. F | 1,910,531 | |
| 2 | UnitedHealthcare of Ohio, Inc. F | 1,235,593 | |
| 3 | Summa Insurance Company, Inc. F | 215,623 | |
| 4 | Molina Healthcare of Ohio, Inc. D | 2,198,393 | |
| 5 | CareSource Ohio, Inc. D | 3,085,983 | |
| 6 | Oscar Insurance Corporation of Ohio D | 639,135 | |
| 7 | Buckeye Community Health Plan C | 4,081,129 | |
| 8 | Medical Health Insuring Corp. of Ohio B | 1,360,063 | |
| 9 | Paramount Insurance Company B | 115,113 | |
| 10 | Community Insurance Company(Anthem BCBS) A | 3,841,838 |
Among carriers with enough reported claims to compare, Ohio's highest marketplace denial rates in this dataset belong to Oscar Buckeye State Insurance Corp. (36.4%), UnitedHealthcare of Ohio, Inc. (33.2%), and Summa Insurance Company, Inc. (29.0%). 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 3 largest insurers account for 59% of the 18,683,401 claims represented here, so the statewide rate reflects a more distributed set of reporting carriers than in the most concentrated state samples. 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 Buckeye State Insurance Corp.: 4,700 of 18,709 reported appeals overturned
25 appeals overturned (%)
Oscar Insurance Corporation of Ohio: 2,789 of 8,186 reported appeals overturned
34 appeals overturned (%)
CareSource Ohio, Inc.: 952 of 5,001 reported appeals overturned
19 appeals overturned (%)
UnitedHealthcare of Ohio, Inc.: 330 of 944 reported appeals overturned
35 appeals overturned (%)
Community Insurance Company(Anthem BCBS): 225 of 841 reported appeals overturned
27 appeals overturned (%)
What this shows Across the 9 carriers with at least 100 reported appeals in Ohio, 28.3% of reported appeals were overturned (9,968 of 35,206). 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.
Auto-cost position
Ohio's 2023 average auto expenditure was $947, 41st of 51 jurisdictions by cost and 20.5% below the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
Marketplace claims filing
Ohio's reporting insurers denied 22.0% of submitted marketplace claims, ranking 10th 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.
Reporting-sample shape
The 3 largest reporting insurers represent 59% of the 18,683,401 claims in this page's CMS sample. The rate is spread across more reporting carriers than in the most concentrated state samples.
State insurance rules
Ohio 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. Ohio'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, Ohio's closest peers in PlainInsurer's dataset are Wyoming ($948/yr) and South Dakota ($936/yr) -- both within a few dollars of Ohio's own $947/yr.
Border comparison. Ohio borders Indiana, Kentucky, Michigan, Pennsylvania, and West Virginia. Ohio's auto costs run higher than 4 of them and lower than 1, 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.