Impact of Animal Collisions on Auto Comprehensive Losses

Animal collisions make up a significant percentage of auto comprehensive losses in several U.S. states, with Montana leading at 74% according to a Farmers Insurance analysis covering 2023-2026.

This striking data underscores the critical role wildlife-related incidents play in comprehensive auto losses across states, irrespective of their population density. In Montana, Michigan, Iowa, South Dakota, and North Dakota, animal collisions accounted for more than two-thirds of all comprehensive loss claims, ranging from 68% to 74%. These numbers reveal a pervasive risk for drivers, particularly in rural and wildlife-populated regions, leading Jonathan Hart from Farmers Insurance to describe these collisions as more than just an occasional hazard.

Geographic Hotspots and Seasonal Risks

The Farmers Insurance study details how areas like the Upper Midwest and Northern Plains are particularly affected, with states such as the Dakotas, Minnesota, Wisconsin, and Michigan experiencing the highest share of wildlife collision-induced losses. The rural roads and large deer populations in these regions are major contributors to this trend. Moreover, the analysis found that these incidents tend to peak in the fall, particularly between October and December, which presents heightened risks for drivers during this period.

Implications for Insurance Agents and Policyholders

For insurance agents operating in high-risk areas, comprehending this data is vital. Many clients have opted out of comprehensive coverage in recent years due to rising premiums, a choice that leaves them vulnerable to significant financial losses from animal collisions. With comprehensive coverage typically optional, agents should leverage this data to advise clients about the potential benefits of maintaining or reinstating such coverage, especially before the onset of the peak collision season.

National Trends and Economic Impact

On a national scale, State Farm estimated around 1.7 million animal collision claims were filed between July 2024 and June 2025, with deer involved in over 1.1 million of these incidents. The financial impact is notable, with AAA East Central Insurance reporting an increase in average claim costs to $5,620 in 2024, up from $5,000 in the previous year. Meanwhile, personal auto premiums saw a 6% national decline in 2025 after peaking in 2024, making optional coverages like comprehensive more budget-friendly for many policyholders.

Key Data on Animal Collisions in Comprehensive Claims

Given these findings and the projected continuation of wildlife collision trends, insurance professionals are in an opportunistic position to guide their clients strategically. With recent adjustments making comprehensive coverage more accessible, now is a critical time for discussions about policy enhancements aimed at mitigating risks from unavoidable wildlife-related road incidents.