State comparison hub · NAIC + CMS · data through 2026-08-11
Insurance data by state
Choose a state to compare marketplace claim-denial data where federal filings exist, and average auto-insurance expenditure. Each profile keeps those different datasets in their proper scope.
- 51
- state profiles
- 30
- CMS denial-rate states
According to the CMS Transparency in Coverage Public Use File, marketplace claim denials are reported only for states with federal marketplace filings. This hub never presents a missing federal filing as a low denial rate.
Start with the right comparison
Alaska has the highest aggregate marketplace claim-denial rate in the current CMS comparison: 32.0% across 1,023,208 reported claims. This comparison covers 30 states with at least 50,000 reported claims; it is not a rating of every insurance product or carrier.
- 51
- state profiles
- 30
- CMS comparison states
Marketplace claim denials and auto expenditure answer different questions. Use the state profile to see which measure is available before comparing insurers or costs.
What do you need to decide?
Check a specific insurer
Compare a carrier’s complaint index against its line-of-business peers before you buy or escalate a problem.
Open the complaint checkerCompare marketplace claim denials
Search the CMS federal-marketplace data by state and compare its reported denial rate with the national average.
Open the denial-rate explorerCompare auto-insurance costs
See NAIC’s state expenditure data, then open a state profile for the historical series and coverage-level context.
Browse auto-cost rankingsHighest reported marketplace claim-denial rates by state
Aggregate CMS Transparency in Coverage filings; states with at least 50,000 reported claims
- AK
Alaska: 32.0% of marketplace claims denied
32 claims denied (%)
- HI
Hawaii: 27.0% of marketplace claims denied
27 claims denied (%)
- WV
West Virginia: 23.3% of marketplace claims denied
23 claims denied (%)
- AZ
Arizona: 23.2% of marketplace claims denied
23 claims denied (%)
- TN
Tennessee: 22.8% of marketplace claims denied
23 claims denied (%)
- FL
Florida: 22.7% of marketplace claims denied
23 claims denied (%)
- IA
Iowa: 22.4% of marketplace claims denied
22 claims denied (%)
- IN
Indiana: 22.3% of marketplace claims denied
22 claims denied (%)
- AL
Alabama: 22.1% of marketplace claims denied
22 claims denied (%)
- OH
Ohio: 22.0% of marketplace claims denied
22 claims denied (%)
What this shows This is a state-level marketplace comparison, not a prediction of an individual claim outcome. Open a state profile to see the reporting scope and insurer-level rows.
Browse insurance data by state
Every profile shows the data it can support instead of filling gaps with estimates.
Alabama
State insurance profile
- Avg. auto expenditure
- $1081
- NAIC 2023
- CMS claim denials
- 22.1%
- marketplace filings
Alaska
State insurance profile
- Avg. auto expenditure
- $1113
- NAIC 2023
- CMS claim denials
- 32.0%
- marketplace filings
Arizona
State insurance profile
- Avg. auto expenditure
- $1344
- NAIC 2023
- CMS claim denials
- 23.2%
- marketplace filings
Arkansas
State insurance profile
- Avg. auto expenditure
- $1051
- NAIC 2023
- CMS claim denials
- 15.6%
- marketplace filings
California
State insurance profile
- Avg. auto expenditure
- $1223
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Colorado
State insurance profile
- Avg. auto expenditure
- $1453
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Connecticut
State insurance profile
- Avg. auto expenditure
- $1394
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Delaware
State insurance profile
- Avg. auto expenditure
- $1462
- NAIC 2023
- CMS claim denials
- 20.4%
- marketplace filings
District of Columbia
State insurance profile
- Avg. auto expenditure
- $1677
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Florida
State insurance profile
- Avg. auto expenditure
- $1864
- NAIC 2023
- CMS claim denials
- 22.7%
- marketplace filings
Georgia
State insurance profile
- Avg. auto expenditure
- $1555
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Hawaii
State insurance profile
- Avg. auto expenditure
- $888
- NAIC 2023
- CMS claim denials
- 27.0%
- marketplace filings
Idaho
State insurance profile
- Avg. auto expenditure
- $864
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Illinois
State insurance profile
- Avg. auto expenditure
- $1153
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Indiana
State insurance profile
- Avg. auto expenditure
- $926
- NAIC 2023
- CMS claim denials
- 22.3%
- marketplace filings
Iowa
State insurance profile
- Avg. auto expenditure
- $869
- NAIC 2023
- CMS claim denials
- 22.4%
- marketplace filings
Kansas
State insurance profile
- Avg. auto expenditure
- $973
- NAIC 2023
- CMS claim denials
- 20.5%
- marketplace filings
Kentucky
State insurance profile
- Avg. auto expenditure
- $1046
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Louisiana
State insurance profile
- Avg. auto expenditure
- $1749
- NAIC 2023
- CMS claim denials
- 20.1%
- marketplace filings
Maine
State insurance profile
- Avg. auto expenditure
- $856
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Maryland
State insurance profile
- Avg. auto expenditure
- $1477
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Massachusetts
State insurance profile
- Avg. auto expenditure
- $1326
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Michigan
State insurance profile
- Avg. auto expenditure
- $1443
- NAIC 2023
- CMS claim denials
- 18.8%
- marketplace filings
Minnesota
State insurance profile
- Avg. auto expenditure
- $1103
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Mississippi
State insurance profile
- Avg. auto expenditure
- $1200
- NAIC 2023
- CMS claim denials
- 19.4%
- marketplace filings
Missouri
State insurance profile
- Avg. auto expenditure
- $1155
- NAIC 2023
- CMS claim denials
- 18.3%
- marketplace filings
Montana
State insurance profile
- Avg. auto expenditure
- $975
- NAIC 2023
- CMS claim denials
- 12.8%
- marketplace filings
Nebraska
State insurance profile
- Avg. auto expenditure
- $980
- NAIC 2023
- CMS claim denials
- 21.8%
- marketplace filings
Nevada
State insurance profile
- Avg. auto expenditure
- $1461
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
New Hampshire
State insurance profile
- Avg. auto expenditure
- $987
- NAIC 2023
- CMS claim denials
- 11.3%
- marketplace filings
New Jersey
State insurance profile
- Avg. auto expenditure
- $1573
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
New Mexico
State insurance profile
- Avg. auto expenditure
- $1082
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
New York
State insurance profile
- Avg. auto expenditure
- $1753
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
North Carolina
State insurance profile
- Avg. auto expenditure
- $925
- NAIC 2023
- CMS claim denials
- 20.5%
- marketplace filings
North Dakota
State insurance profile
- Avg. auto expenditure
- $808
- NAIC 2023
- CMS claim denials
- 11.4%
- marketplace filings
Ohio
State insurance profile
- Avg. auto expenditure
- $947
- NAIC 2023
- CMS claim denials
- 22.0%
- marketplace filings
Oklahoma
State insurance profile
- Avg. auto expenditure
- $1085
- NAIC 2023
- CMS claim denials
- 19.6%
- marketplace filings
Oregon
State insurance profile
- Avg. auto expenditure
- $1170
- NAIC 2023
- CMS claim denials
- 13.4%
- marketplace filings
Pennsylvania
State insurance profile
- Avg. auto expenditure
- $1155
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Rhode Island
State insurance profile
- Avg. auto expenditure
- $1539
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
South Carolina
State insurance profile
- Avg. auto expenditure
- $1367
- NAIC 2023
- CMS claim denials
- 18.1%
- marketplace filings
South Dakota
State insurance profile
- Avg. auto expenditure
- $936
- NAIC 2023
- CMS claim denials
- 7.9%
- marketplace filings
Tennessee
State insurance profile
- Avg. auto expenditure
- $1050
- NAIC 2023
- CMS claim denials
- 22.8%
- marketplace filings
Texas
State insurance profile
- Avg. auto expenditure
- $1429
- NAIC 2023
- CMS claim denials
- 20.1%
- marketplace filings
Utah
State insurance profile
- Avg. auto expenditure
- $1169
- NAIC 2023
- CMS claim denials
- 19.7%
- marketplace filings
Vermont
State insurance profile
- Avg. auto expenditure
- $893
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Virginia
State insurance profile
- Avg. auto expenditure
- $1114
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
Washington
State insurance profile
- Avg. auto expenditure
- $1153
- NAIC 2023
- Federal CMS data
- Not reported
- state marketplace may differ
West Virginia
State insurance profile
- Avg. auto expenditure
- $1063
- NAIC 2023
- CMS claim denials
- 23.3%
- marketplace filings
Wisconsin
State insurance profile
- Avg. auto expenditure
- $922
- NAIC 2023
- CMS claim denials
- 15.4%
- marketplace filings
Wyoming
State insurance profile
- Avg. auto expenditure
- $948
- NAIC 2023
- CMS claim denials
- 18.0%
- marketplace filings
How to read these state comparisons
CMS claim-denial rates measure the share of individual-market health claims reported as denied in the federal marketplace file. This metric does not predict how a particular future claim will be handled.
CMS’s federal marketplace file does not cover every state or every kind of insurance. When a state is absent from that source, its profile says so rather than treating the missing filing as a low denial rate. Verify coverage, eligibility, and current insurer terms directly before making a purchase decision.
Sources: CMS Transparency in Coverage Public Use File (PY2026); NAIC Auto Insurance Database (2023). Read the methodology.
Download state-level extracts: marketplace-denial-rates.csv and auto-insurance-rates.csv.