State profile · TN · CMS + NAIC
Insurance in Tennessee
How health insurers handle claims in Tennessee, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 22.0%
- Avg claims denied
- #8
- denial rank of 31
- $1050
- Avg auto / yr
- +21%
- Auto, 5-yr
- 5
- Insurers w/ data
The verdict
Marketplace insurers in Tennessee deny 22.0% of claims — near the 21% national average, the 8th-highest of 31 states, and drivers pay an average $1050 a year for auto cover, less than the $1191 national average.
- 22.0%
- avg claims denied
- #8
- of 31 states
- $1050
- avg auto / yr
- 35%
- highest (UnitedHealthcare I)
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 Tennessee
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- UnitedHealthcare
UnitedHealthcare Insurance Company: 35.0% denied (435,743 of 1,246,728)
35 % of claims denied
- BlueCross BlueShield of
BlueCross BlueShield of Tennessee: 27.0% denied (1,405,227 of 5,208,743)
27 % of claims denied
- Oscar
Oscar Insurance Company: 26.5% denied (31,529 of 118,815)
26.5 % of claims denied
- Cigna Health and Life
Cigna Health and Life Insurance Company: 21.0% denied (964,516 of 4,588,517)
21 % of claims denied
- Celtic
Celtic Insurance Company: 16.0% denied (1,028,432 of 6,425,902)
16 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Tennessee. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Tennessee, by denial rate
5 insurers reporting marketplace claims in Tennessee
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | UnitedHealthcare Insurance Company F | 1,246,728 | |
| 2 | BlueCross BlueShield of Tennessee D | 5,208,743 | |
| 3 | Oscar Insurance Company D | 118,815 | |
| 4 | Cigna Health and Life Insurance Company D | 4,588,517 | |
| 5 | Celtic Insurance Company B | 6,425,902 |
Auto insurance in Tennessee
Auto premiums in Tennessee are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $865 average expenditure
$865 avg expenditure
- 2020
2020: $856 average expenditure
$856 avg expenditure
- 2021
2021: $870 average expenditure
$870 avg expenditure
- 2022
2022: $924 average expenditure
$924 avg expenditure
- 2023
2023: $1050 average expenditure
$1,050 avg expenditure
What this shows Tennessee drivers' average auto cost rose 21% between 2019 and 2023.
What the data shows for Tennessee
Tennessee's marketplace insurers denied 22.0% of submitted claims in the CMS data, the 8th-highest rate of the 31 states with federal marketplace filings. Denial rates this far above 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 Tennessee pay an average $1050 a year — less than the $1191 national average — split across $542 liability, $441 collision and $229 comprehensive premiums. That figure has moved up 21% 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 Tennessee 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 Tennessee 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 Tennessee'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.