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?

Highest reported marketplace claim-denial rates by state

Aggregate CMS Transparency in Coverage filings; states with at least 50,000 reported claims

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.

Source CMS Transparency in Coverage Public Use File (PY2026) As of 2026-08-11

Browse insurance data by state

Every profile shows the data it can support instead of filling gaps with estimates.

Read the data methodology

Alabama

State insurance profile

AL
Avg. auto expenditure
$1081
NAIC 2023
CMS claim denials
22.1%
marketplace filings
View Alabama data

Alaska

State insurance profile

AK
Avg. auto expenditure
$1113
NAIC 2023
CMS claim denials
32.0%
marketplace filings
View Alaska data

Arizona

State insurance profile

AZ
Avg. auto expenditure
$1344
NAIC 2023
CMS claim denials
23.2%
marketplace filings
View Arizona data

Arkansas

State insurance profile

AR
Avg. auto expenditure
$1051
NAIC 2023
CMS claim denials
15.6%
marketplace filings
View Arkansas data

California

State insurance profile

CA
Avg. auto expenditure
$1223
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View California data

Colorado

State insurance profile

CO
Avg. auto expenditure
$1453
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Colorado data

Connecticut

State insurance profile

CT
Avg. auto expenditure
$1394
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Connecticut data

Delaware

State insurance profile

DE
Avg. auto expenditure
$1462
NAIC 2023
CMS claim denials
20.4%
marketplace filings
View Delaware data

District of Columbia

State insurance profile

DC
Avg. auto expenditure
$1677
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View District of Columbia data

Florida

State insurance profile

FL
Avg. auto expenditure
$1864
NAIC 2023
CMS claim denials
22.7%
marketplace filings
View Florida data

Georgia

State insurance profile

GA
Avg. auto expenditure
$1555
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Georgia data

Hawaii

State insurance profile

HI
Avg. auto expenditure
$888
NAIC 2023
CMS claim denials
27.0%
marketplace filings
View Hawaii data

Idaho

State insurance profile

ID
Avg. auto expenditure
$864
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Idaho data

Illinois

State insurance profile

IL
Avg. auto expenditure
$1153
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Illinois data

Indiana

State insurance profile

IN
Avg. auto expenditure
$926
NAIC 2023
CMS claim denials
22.3%
marketplace filings
View Indiana data

Iowa

State insurance profile

IA
Avg. auto expenditure
$869
NAIC 2023
CMS claim denials
22.4%
marketplace filings
View Iowa data

Kansas

State insurance profile

KS
Avg. auto expenditure
$973
NAIC 2023
CMS claim denials
20.5%
marketplace filings
View Kansas data

Kentucky

State insurance profile

KY
Avg. auto expenditure
$1046
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Kentucky data

Louisiana

State insurance profile

LA
Avg. auto expenditure
$1749
NAIC 2023
CMS claim denials
20.1%
marketplace filings
View Louisiana data

Maine

State insurance profile

ME
Avg. auto expenditure
$856
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Maine data

Maryland

State insurance profile

MD
Avg. auto expenditure
$1477
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Maryland data

Massachusetts

State insurance profile

MA
Avg. auto expenditure
$1326
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Massachusetts data

Michigan

State insurance profile

MI
Avg. auto expenditure
$1443
NAIC 2023
CMS claim denials
18.8%
marketplace filings
View Michigan data

Minnesota

State insurance profile

MN
Avg. auto expenditure
$1103
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Minnesota data

Mississippi

State insurance profile

MS
Avg. auto expenditure
$1200
NAIC 2023
CMS claim denials
19.4%
marketplace filings
View Mississippi data

Missouri

State insurance profile

MO
Avg. auto expenditure
$1155
NAIC 2023
CMS claim denials
18.3%
marketplace filings
View Missouri data

Montana

State insurance profile

MT
Avg. auto expenditure
$975
NAIC 2023
CMS claim denials
12.8%
marketplace filings
View Montana data

Nebraska

State insurance profile

NE
Avg. auto expenditure
$980
NAIC 2023
CMS claim denials
21.8%
marketplace filings
View Nebraska data

Nevada

State insurance profile

NV
Avg. auto expenditure
$1461
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Nevada data

New Hampshire

State insurance profile

NH
Avg. auto expenditure
$987
NAIC 2023
CMS claim denials
11.3%
marketplace filings
View New Hampshire data

New Jersey

State insurance profile

NJ
Avg. auto expenditure
$1573
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View New Jersey data

New Mexico

State insurance profile

NM
Avg. auto expenditure
$1082
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View New Mexico data

New York

State insurance profile

NY
Avg. auto expenditure
$1753
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View New York data

North Carolina

State insurance profile

NC
Avg. auto expenditure
$925
NAIC 2023
CMS claim denials
20.5%
marketplace filings
View North Carolina data

North Dakota

State insurance profile

ND
Avg. auto expenditure
$808
NAIC 2023
CMS claim denials
11.4%
marketplace filings
View North Dakota data

Ohio

State insurance profile

OH
Avg. auto expenditure
$947
NAIC 2023
CMS claim denials
22.0%
marketplace filings
View Ohio data

Oklahoma

State insurance profile

OK
Avg. auto expenditure
$1085
NAIC 2023
CMS claim denials
19.6%
marketplace filings
View Oklahoma data

Oregon

State insurance profile

OR
Avg. auto expenditure
$1170
NAIC 2023
CMS claim denials
13.4%
marketplace filings
View Oregon data

Pennsylvania

State insurance profile

PA
Avg. auto expenditure
$1155
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Pennsylvania data

Rhode Island

State insurance profile

RI
Avg. auto expenditure
$1539
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Rhode Island data

South Carolina

State insurance profile

SC
Avg. auto expenditure
$1367
NAIC 2023
CMS claim denials
18.1%
marketplace filings
View South Carolina data

South Dakota

State insurance profile

SD
Avg. auto expenditure
$936
NAIC 2023
CMS claim denials
7.9%
marketplace filings
View South Dakota data

Tennessee

State insurance profile

TN
Avg. auto expenditure
$1050
NAIC 2023
CMS claim denials
22.8%
marketplace filings
View Tennessee data

Texas

State insurance profile

TX
Avg. auto expenditure
$1429
NAIC 2023
CMS claim denials
20.1%
marketplace filings
View Texas data

Utah

State insurance profile

UT
Avg. auto expenditure
$1169
NAIC 2023
CMS claim denials
19.7%
marketplace filings
View Utah data

Vermont

State insurance profile

VT
Avg. auto expenditure
$893
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Vermont data

Virginia

State insurance profile

VA
Avg. auto expenditure
$1114
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Virginia data

Washington

State insurance profile

WA
Avg. auto expenditure
$1153
NAIC 2023
Federal CMS data
Not reported
state marketplace may differ
View Washington data

West Virginia

State insurance profile

WV
Avg. auto expenditure
$1063
NAIC 2023
CMS claim denials
23.3%
marketplace filings
View West Virginia data

Wisconsin

State insurance profile

WI
Avg. auto expenditure
$922
NAIC 2023
CMS claim denials
15.4%
marketplace filings
View Wisconsin data

Wyoming

State insurance profile

WY
Avg. auto expenditure
$948
NAIC 2023
CMS claim denials
18.0%
marketplace filings
View Wyoming data

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.