State profile · OK · CMS + NAIC
Oklahoma marketplace insurers denied 19.6% of claims (18th of 30 states); drivers average $1085/yr for auto cover, #29 nationally by cost.
The verdict
Marketplace insurers in Oklahoma deny 19.6% of claims - near the 20% national average, the 18th-highest of 30 states, and drivers pay an average $1085 a year for auto cover, less than the $1191 national average (the 29th-most-expensive of 51 states).
UnitedHealthcare of Oklahoma, Inc.: 33.7% denied (127,738 of 378,926)
34 % of claims denied
Medica Insurance Company: 29.0% denied (129,285 of 445,895)
29 % of claims denied
Oscar Insurance Company: 25.6% denied (95,687 of 374,292)
26 % of claims denied
Celtic Insurance Company: 21.5% denied (498,324 of 2,313,526)
22 % of claims denied
CommunityCare HMO Inc.: 18.1% denied (82,860 of 458,029)
18 % of claims denied
Blue Cross Blue Shield of Oklahoma: 17.9% denied (1,665,537 of 9,295,961)
18 % of claims denied
Taro Health Plan of Oklahoma, Inc.: 10.8% denied (841 of 7,770)
11 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Oklahoma. Denial rates reflect plan design and network rules as much as carrier behaviour.
7 insurers reporting marketplace claims in Oklahoma
| # | Insurer | Claims | |
|---|---|---|---|
| 1 | UnitedHealthcare of Oklahoma, Inc. F | 378,926 | |
| 2 | Medica Insurance Company D | 445,895 | |
| 3 | Oscar Insurance Company F | 374,292 | |
| 4 | Celtic Insurance Company C | 2,313,526 | |
| 5 | CommunityCare HMO Inc. B | 458,029 | |
| 6 | Blue Cross Blue Shield of Oklahoma B | 9,295,961 | |
| 7 | Taro Health Plan of Oklahoma, Inc. A | 7,770 |
Among carriers with enough reported claims to compare, Oklahoma's highest marketplace denial rates in this dataset belong to UnitedHealthcare of Oklahoma, Inc. (33.7%), Medica Insurance Company (29.0%), and Oscar Insurance Company (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 reported-claims sample is highly concentrated: the 3 largest insurers account for 91% of the 13,274,399 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.
Blue Cross Blue Shield of Oklahoma: 1,305 of 4,404 reported appeals overturned
30 appeals overturned (%)
Oscar Insurance Company: 1,159 of 4,223 reported appeals overturned
27 appeals overturned (%)
UnitedHealthcare of Oklahoma, Inc.: 43 of 218 reported appeals overturned
20 appeals overturned (%)
CommunityCare HMO Inc.: 103 of 204 reported appeals overturned
51 appeals overturned (%)
Medica Insurance Company: 92 of 144 reported appeals overturned
64 appeals overturned (%)
What this shows Across the 5 carriers with at least 100 reported appeals in Oklahoma, 29.4% of reported appeals were overturned (2,702 of 9,193). This filing field describes reported outcomes, not the likelihood that an individual claim will change.
2019: $914 average expenditure
$914 avg expenditure
2020: $888 average expenditure
$888 avg expenditure
2021: $894 average expenditure
$894 avg expenditure
2022: $959 average expenditure
$959 avg expenditure
2023: $1085 average expenditure
$1,085 avg expenditure
What this shows Oklahoma drivers' average auto cost rose 19% between 2019 and 2023.
Year over year, Oklahoma's average auto expenditure rose 13.1% from 2022 to 2023, part of a 19% increase (+$171) since 2019. See the full 5-year state-by-state comparison.
Oklahoma auto rates in detail →Oklahoma: $1085/yr average auto expenditure (this state)
$1,085 avg expenditure
Alaska: $1113/yr average auto expenditure
$1,113 avg expenditure
Minnesota: $1103/yr average auto expenditure
$1,103 avg expenditure
New Mexico: $1082/yr average auto expenditure
$1,082 avg expenditure
Alabama: $1081/yr average auto expenditure
$1,081 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 91% of the 13,274,399 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
Oklahoma's reporting insurers denied 19.6% of submitted marketplace claims, ranking 18th 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
Oklahoma's 2023 average auto expenditure was $1085, 29th of 51 jurisdictions by cost and 8.9% below the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Oklahoma 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. Oklahoma'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, Oklahoma's closest peers in PlainInsurer's dataset are New Mexico ($1082/yr) and Alabama ($1081/yr) -- both within a few dollars of Oklahoma's own $1085/yr.
Border comparison. Oklahoma borders Arkansas, Colorado, Kansas, Missouri, New Mexico, and Texas. Oklahoma's auto costs run higher than 3 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.