State profile · WI · CMS + NAIC
Wisconsin marketplace insurers denied 15.4% of claims (25th of 30 states); drivers average $922/yr for auto cover, #45 nationally by cost.
The verdict
Marketplace insurers in Wisconsin deny 15.4% of claims - below the 20% national average, the 25th-highest of 30 states, and drivers pay an average $922 a year for auto cover, less than the $1191 national average (the 45th-most-expensive of 51 states).
2019: $768 average expenditure
$768 avg expenditure
2020: $748 average expenditure
$748 avg expenditure
2021: $758 average expenditure
$758 avg expenditure
2022: $810 average expenditure
$810 avg expenditure
2023: $922 average expenditure
$922 avg expenditure
What this shows Wisconsin drivers' average auto cost rose 20% between 2019 and 2023.
Year over year, Wisconsin's average auto expenditure rose 13.7% from 2022 to 2023, part of a 20% increase (+$154) since 2019. See the full 5-year state-by-state comparison.
Wisconsin auto rates in detail →Wisconsin: $922/yr average auto expenditure (this state)
$922 avg expenditure
Indiana: $926/yr average auto expenditure
$926 avg expenditure
North Carolina: $925/yr average auto expenditure
$925 avg expenditure
Vermont: $893/yr average auto expenditure
$893 avg expenditure
Hawaii: $888/yr average auto expenditure
$888 avg expenditure
UnitedHealthcare of Wisconsin, Inc.: 26.5% denied (208,915 of 789,462)
27 % of claims denied
Security Health Plan of Wisconsin, Inc.: 20.1% denied (273,879 of 1,364,313)
20 % of claims denied
Medica Community Health Plan: 18.5% denied (97,212 of 524,489)
19 % of claims denied
Network Health Plan: 18.5% denied (57,922 of 313,114)
19 % of claims denied
Compcare Health Serv Ins Co(Anthem BCBS): 15.8% denied (456,796 of 2,886,370)
16 % of claims denied
Dean Health Plan: 15.4% denied (171,981 of 1,117,399)
15 % of claims denied
Aspirus Health Plan, Inc.: 12.6% denied (50,973 of 405,418)
13 % of claims denied
Common Ground Healthcare Cooperative: 11.1% denied (170,257 of 1,533,514)
11 % of claims denied
MercyCare HMO, Inc.: 9.9% denied (21,079 of 213,818)
10 % of claims denied
Group Health Cooperative of South Central Wisconsin: 9.4% denied (19,894 of 212,263)
9 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Wisconsin. Denial rates reflect plan design and network rules as much as carrier behaviour.
12 insurers reporting marketplace claims in Wisconsin
| # | Insurer | Claims | |
|---|---|---|---|
| 1 | UnitedHealthcare of Wisconsin, Inc. D | 789,462 | |
| 2 | Security Health Plan of Wisconsin, Inc. B | 1,364,313 | |
| 3 | Medica Community Health Plan B | 524,489 | |
| 4 | Network Health Plan B | 313,114 | |
| 5 | Compcare Health Serv Ins Co(Anthem BCBS) B | 2,886,370 | |
| 6 | Dean Health Plan A | 1,117,399 | |
| 7 | Aspirus Health Plan, Inc. A | 405,418 | |
| 8 | Common Ground Healthcare Cooperative A | 1,533,514 | |
| 9 | MercyCare HMO, Inc. A | 213,818 | |
| 10 | Group Health Cooperative of South Central Wisconsin A | 212,263 | |
| 11 | Quartz Health Benefit Plans Corporation A | 706,744 | |
| 12 | HealthPartners Insurance Company A | 478,102 |
Among carriers with enough reported claims to compare, Wisconsin's highest marketplace denial rates in this dataset belong to UnitedHealthcare of Wisconsin, Inc. (26.5%), Security Health Plan of Wisconsin, Inc. (20.1%), and Medica Community Health Plan (18.5%). 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 55% of the 10,545,006 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.
UnitedHealthcare of Wisconsin, Inc.: 244 of 594 reported appeals overturned
41 appeals overturned (%)
Dean Health Plan: 193 of 391 reported appeals overturned
49 appeals overturned (%)
Compcare Health Serv Ins Co(Anthem BCBS): 201 of 344 reported appeals overturned
58 appeals overturned (%)
Security Health Plan of Wisconsin, Inc.: 168 of 258 reported appeals overturned
65 appeals overturned (%)
Medica Community Health Plan: 124 of 227 reported appeals overturned
55 appeals overturned (%)
What this shows Across the 6 carriers with at least 100 reported appeals in Wisconsin, 50.9% of reported appeals were overturned (1,028 of 2,018). 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
Wisconsin's 2023 average auto expenditure was $922, 45th of 51 jurisdictions by cost and 22.6% below the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
Marketplace claims filing
Wisconsin's reporting insurers denied 15.4% of submitted marketplace claims, ranking 25th 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 55% of the 10,545,006 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
Wisconsin 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. Wisconsin'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, Wisconsin's closest peers in PlainInsurer's dataset are North Carolina ($925/yr) and Indiana ($926/yr) -- both within a few dollars of Wisconsin's own $922/yr.
Border comparison. Wisconsin borders Illinois, Iowa, Michigan, and Minnesota. Wisconsin's auto costs run higher than 3 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.