Should I call the auto insurance company if my car hits a deer?

If you hit a deer, you need to have more than just liability insurance on your car. Collision and comprehensive coverage will cost $480 a year but may be worth it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Here's what you need to know...

  • If you hit a deer, make sure that neither yourself or passengers need medical treatment
  • Liability coverage will not pay for the damages to your car
  • The easiest way to compare auto insurance rates is with a free quote tool

Whether you should call your auto insurance company if you strike a deer depends on whether you plan on paying for the damages yourself or if you need the insurance company to pay.

You aren’t required by any auto insurance laws to report striking an animal.

If you are planning on paying for the repairs to your vehicle yourself, then there is no reason for you to report striking a deer to your insurance company.

However, if the damage to your vehicle is extensive, then you will want to consider getting your auto insurance company involved. After all, that is why you pay your insurance premiums every month.

Enter your zip code above and get free online auto insurance quotes right now!

I only have liability insurance. Will my insurance pay if my car hits a deer?

To get your insurance company to pay on a claim, you have to have the coverage to pay for that claim. In the case of hitting a deer, you will have to have collision coverage on your vehicle.

If you have liability coverage only, your insurance company will not pay for the damages to your car.

While it is true that collision coverage is more expensive than liability alone, if you have a vehicle with a higher dollar value, at least more than $1000, (at the very least), then you really should consider carrying collision coverage on your car or truck.

If, however, the cost of collision insurance exceeds the value of your car, there is no need to maintain this type of auto insurance coverage.

If you have the money, consider putting that amount into the bank every month and save for this purpose.


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I didn’t hit the deer, it hit my car. Will my liability only insurance pay for that?

It doesn’t matter if the deer hits your car or your car hits the deer, if you have liability only coverage, the insurance will not pay for the damages.

Liability insurance is designed to protect you financially if you cause an accident.

Many people think that if they carry the state-required minimum, then they have all that they need.

However, your liability insurance does not cover damages to your personal vehicle no matter what the cause of the accident might be, animal or person.

How much will my rates go up if I file a claim after my car hits a deer?

How much your rates increase depends a great deal on how much damage there is to your vehicle.

If your car is totaled then your rates will increase much more than if your car only needs a front left quarter panel replaced.

Depending on the extent of the damage, your rates can increase anywhere from $10 a month to double your current premium.

If you are anticipating a large increase in your payments, then switching to another insurance company after your auto insurance claim is paid is something that you want to consider.

The fact of the matter is that many insurance companies will charge you less if they aren’t the ones who had to pay the claim, especially considering the nature of the accident.

The easiest way to compare auto insurance rates is with a free quote tool like the one we offer below.

This allows you to compare rates between several companies so that you can decide for yourself whether or not you should make a change.

Enter your zip code now and compare auto insurance rates between multiple companies!



Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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