Core Insights - Over 1 million car accidents involving deer occur annually, with significant financial implications and risks to wildlife and human safety [1][4] Group 1: Risks of Hitting a Deer - State Farm estimates over 1.7 million U.S. car insurance claims for animal collisions, primarily involving deer, from July 1, 2024, to June 30, 2025 [2] - The average U.S. driver has a 1 in 139 chance of hitting an animal, with the highest risks in West Virginia (1 in 40), Montana (1 in 53), and Wisconsin (1 in 58) [2] Group 2: Timing and Conditions - The likelihood of deer collisions peaks in November, October, and December, with the most dangerous times being from sunset to midnight and near dawn [3] Group 3: Costs of Collisions - From 2020 to 2023, 789 fatalities occurred due to vehicle-animal crashes, highlighting the human toll of these incidents [4] - The average cost of an animal-vehicle claim in the AAA East Central region was reported at $5,620 in 2024 [5] Group 4: Insurance Coverage - Comprehensive car insurance covers damage from animal collisions, while collision insurance applies to accidents involving other vehicles or objects [7][8] - Full coverage car insurance, which includes comprehensive and collision insurance, is essential for protection against deer collisions [18] Group 5: Preventive Measures - Drivers are advised to stay alert, especially during peak deer activity times, and to use high beams in low-traffic areas to enhance visibility [21]

Core Insights - The article emphasizes the importance of comparing car insurance rates to avoid overspending on vehicle insurance as costs rise [1] Cheapest Full Coverage Car Insurance - American Family and Farm Bureau offer the cheapest full coverage car insurance at $151 per month [2] Cheapest Liability-Only Car Insurance - Liability insurance is mandatory in most states, covering property damage and injuries to others in an accident [2] Cheapest Car Insurance for Teens - Teen drivers significantly increase insurance rates due to higher accident risks, with specific companies offering cheaper rates for this demographic [4][5] Cheapest Car Insurance for Senior Drivers - Drivers in their 50s to early 70s generally enjoy lower rates compared to younger drivers, but it is still advisable to seek the best deals [5][6] Cheapest Car Insurance for Good Drivers - Good driving records can lead to lower insurance premiums, with discounts available for those without accidents or violations in the past three years [7] Cheapest Car Insurance with One At-Fault Accident - Insurance rates can increase after an at-fault accident, but some companies may still offer competitive rates for such drivers [8] Cheapest Car Insurance with One Speeding Ticket - A speeding ticket may not always result in higher premiums, and some insurers may provide lower rates even after a first offense [9] Steps to Get the Cheapest Car Insurance - The article outlines several strategies to lower car insurance costs, including selecting the right coverage, opting for higher deductibles, and shopping around for quotes [10][11][12][13] Discounts Available - Various discounts can help reduce premiums, including multi-policy, low mileage, safe driver, anti-theft device, good student, defensive driving, military, loyalty, autopay, and payment in full discounts [17] Annual Review of Coverage - It is recommended to review car insurance coverage annually to ensure eligibility for discounts and to compare rates with other insurers [19]