State profile · WV · CMS + NAIC
Insurance in West Virginia
How health insurers handle claims in West Virginia, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 18.4%
- Avg claims denied
- #17
- denial rank of 31
- $1063
- Avg auto / yr
- +13%
- Auto, 5-yr
- 2
- Insurers w/ data
The verdict
Marketplace insurers in West Virginia deny 18.4% of claims — below the 21% national average, the 17th-highest of 31 states, and drivers pay an average $1063 a year for auto cover, less than the $1191 national average.
- 18.4%
- avg claims denied
- #17
- of 31 states
- $1063
- avg auto / yr
- 30%
- highest (CareSource West Vi)
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.
Health insurers in West Virginia, by denial rate
2 insurers reporting marketplace claims in West Virginia
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | CareSource West Virginia Co. F | 497,747 | |
| 2 | Highmark Blue Cross Blue Shield West Virginia A | 797,347 |
Auto insurance in West Virginia
Auto premiums in West Virginia are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $939 average expenditure
$939 avg expenditure
- 2020
2020: $915 average expenditure
$915 avg expenditure
- 2021
2021: $919 average expenditure
$919 avg expenditure
- 2022
2022: $953 average expenditure
$953 avg expenditure
- 2023
2023: $1063 average expenditure
$1,063 avg expenditure
What this shows West Virginia drivers' average auto cost rose 13% between 2019 and 2023.
What the data shows for West Virginia
West Virginia's marketplace insurers denied 18.4% of submitted claims in the CMS data, the 17th-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 West Virginia pay an average $1063 a year — less than the $1191 national average — split across $523 liability, $402 collision and $302 comprehensive premiums. That figure has moved up 13% 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 West Virginia 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 West Virginia 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 West Virginia'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.