Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 19, 2021

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deer sign

If you’re still thinking about skimping on your car insurance, know that there are more than 1.6 million deer-vehicle collisions each year, according to the Insurance Information Institute.

And though the number of miles driven by U.S. motorists over the past five years increased just two percent, the number of deer-vehicle collisions during that time has jumped by 10 times that amount.

State Farm actually estimated that there were 2.3 million collisions between deer and vehicles during the two-year period between July 1, 2008 and June 30, 2010, a 21.1 percent increase from five years earlier.

This has to do with urban sprawl and a growing deer population.

The average insurance claim for a deer-vehicle collision is $3,100, up 1.7 percent from a year ago.

These collisions led to 200 fatalities, tens of thousands of injuries, and over $3.6 billion in vehicle property damage.

And if you opt for minimum auto insurance, which only includes liability car insurance, you won’t be covered in the event you collide with a deer.

Take note that the optional comprehensive coverage portion, not the collision insurance portion, of an automobile insurance policy, covers damage caused by an accident with a deer or another animal.

Comprehensive car insurance covers nearly everything except collision, including fire, theft, vandalism, malicious damage, riot, flood, earthquake or explosion, hail, windstorm, falling or flying objects, damage due to contact with a bird or animal and sometimes, and even windshield damage in some cases.

If you’re unclear what type of auto insurance coverage you have, contact your insurance company or an independent agent.

Learn more about so-called deer insurance.