How often each insurer closed a claim without paying

A claim closed with no payment is not the same thing as a denied claim. The count includes damage that came in under the deductible, and claims the policyholder started and then dropped. It also includes outright refusals. Nobody publishes those apart, so the honest label is the one the filings use, and it is the label on every column below. Where a page tells you it has a carrier’s denial rate, ask what the denominator was.

The twelve largest home writers by claim volume, ordered by how many claims they closed. Every figure is data year 2025, from Schedule P Part 3A of the filer’s own annual statement.

The twelve largest auto liability writers by claim volume. These are liability and medical claims under Schedule P Part 3B, which means claims brought against the policyholder, not collision or comprehensive on the policyholder’s own car.

The spread is the story. Auto-Owners closed 17.3 percent of its home claims without paying and Farmers Insurance Exchange closed 55.5 percent, and both were writing the same peril in the same year. Elsewhere in the same file Homesite Insurance Co. sits at 8.6 percent on 43,165 claims while Lemonade Insurance Co. sits at 64.0 percent on 40,263. Deductible structure explains part of that. Reserving practice and claims culture explain the rest, and the filings do not separate them.

Rows are legal entities, not brands. A group writes through several licensed companies and the annual statement is filed per company, so State Farm appears three times in the home table under three entities with different numbers. In pooled groups the entity split can be an allocation rather than a real difference: in the auto file four Farmers entities report the identical 3,683 claims closed and 1,424 unpaid, and Progressive Max and Progressive Marathon report the identical 91,929 and 43,551. Read an entity row inside a pooled group as a group average.

Both tables come from the statutory Annual Statement every licensed insurer files, Schedule P Part 3A for homeowners and farmowners and Part 3B for private passenger auto liability and medical, columns 11 and 12, row 11, data year 2025. Weiss Ratings compiles those columns into two free national lookup tables and prints the share; the counts are the filers’ own. The homeowners table screens to insurers with at least $1 million in homeowners premium making up 30 percent or more of their business and at least 2,000 home or farmowner claims received and closed in 2025, and covers 5,300,543 closed claims. The auto table applies the same premium screen with a 2,000 auto liability claim floor and covers 15,888,283 closed claims. Rows here are the twelve largest by claims closed in each file, plus the file total. Nothing was recalculated and nothing was adjusted.

Weiss publishes these tables free, with no account and no paywall. Its paid insurance product is financial strength and safety ratings, which contain no claims data at all.

A true denial rate would be refusals divided by claims filed, per company. For home and auto in the United States, that number is not published anywhere, and the two places readers are usually sent do not contain it.

The NAIC collects it. Its Market Conduct Annual Statement asks every reporting insurer for claims closed without payment against total claims closed, and it is the first ratio on the scorecard. What the NAIC releases is a state-level distribution, a histogram of how many unnamed companies fall in each ten-point band. For data year 2025 that comes out at 34.0 percent in California across 92 reporting companies, 34.2 percent in Florida across 100, 33.8 percent in Louisiana, 32.6 percent in New York across 153, 30.5 percent in Texas across 148, and a low of 18.9 percent in Wyoming. The Florida figure excludes Citizens Property Insurance Corporation, by the file’s own note. No company is named anywhere in it, and company-level results go to regulators only. Those state figures also sit below the 41.3 percent in the table above, because the two exercises count different populations, and this page does not blend them into one number.

The other place is the NAIC Consumer Information Source, which does give per-company complaint counts and breaks them down by reason, including denial of claim. Its denominator is premium, not claims filed. That produces complaints per dollar of premium, which is a useful measure and is the complaint index carried on the other ledgers here. It is not a denial rate and cannot be turned into one.

Health insurance is the one line where the real thing exists. Federal law makes marketplace insurers report claims received and claims denied, CMS publishes the file, and for plan year 2024 the rate across HealthCare.gov issuers was 19 percent of in-network claims, ranging from 3 percent to 36 percent across 157 reporting insurers, with fewer than one percent of the roughly 85 million denials appealed and 66 percent of those appeals upheld by the insurer. That is denials divided by claims received. It is a different quantity from anything in the tables above and the two must not be read against each other. This page stays inside the property lines and the health file gets its own ledger.