State profile · SC · CMS + NAIC
Insurance in South Carolina
How health insurers handle claims in South Carolina, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 19.8%
- Avg claims denied
- #14
- denial rank of 31
- $1367
- Avg auto / yr
- +23%
- Auto, 5-yr
- 4
- Insurers w/ data
The verdict
Marketplace insurers in South Carolina deny 19.8% of claims — near the 21% national average, the 14th-highest of 31 states, and drivers pay an average $1367 a year for auto cover, more than the $1191 national average.
- 19.8%
- avg claims denied
- #14
- of 31 states
- $1367
- avg auto / yr
- 45%
- highest (Select Health of S)
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 South Carolina
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- Select Health of South C
Select Health of South Carolina: 45.5% denied (34,455 of 75,741)
45.5 % of claims denied
- MOLINA HEALTHCARE OF SOU
MOLINA HEALTHCARE OF SOUTH CAROLINA, INC: 25.9% denied (240,887 of 930,672)
25.9 % of claims denied
- Blue Cross and Blue Shie
Blue Cross and Blue Shield of South Carolina: 20.9% denied (2,459,239 of 11,742,282)
20.9 % of claims denied
- Absolute Total Care 15.2
Absolute Total Care, Inc: 15.2% denied (693,523 of 4,573,430)
15.2 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in South Carolina. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in South Carolina, by denial rate
4 insurers reporting marketplace claims in South Carolina
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | Select Health of South Carolina F | 75,741 | |
| 2 | MOLINA HEALTHCARE OF SOUTH CAROLINA, INC D | 930,672 | |
| 3 | Blue Cross and Blue Shield of South Carolina C | 11,742,282 | |
| 4 | Absolute Total Care, Inc B | 4,573,430 |
Auto insurance in South Carolina
Auto premiums in South Carolina are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $1116 average expenditure
$1,116 avg expenditure
- 2020
2020: $1116 average expenditure
$1,116 avg expenditure
- 2021
2021: $1138 average expenditure
$1,138 avg expenditure
- 2022
2022: $1205 average expenditure
$1,205 avg expenditure
- 2023
2023: $1367 average expenditure
$1,367 avg expenditure
What this shows South Carolina drivers' average auto cost rose 22% between 2019 and 2023.
What the data shows for South Carolina
South Carolina's marketplace insurers denied 19.8% of submitted claims in the CMS data, the 14th-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 South Carolina pay an average $1367 a year — more than the $1191 national average — split across $879 liability, $386 collision and $251 comprehensive premiums. That figure has moved up 22% 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 South Carolina 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 South Carolina 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 South Carolina'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.