Farmers Insurance Data Reveals States Where Animal Collisions…

Event summary

Farmers Insurance analyzed three years of claims data (August 1, 2023 – July 31, 2026) to identify states where animal collisions make up the largest share of comprehensive losses.
Montana (74%), Michigan (72%), and Iowa (71%) top the list, with animal collisions accounting for over two-thirds of comprehensive losses in these states.
The analysis highlights rural road networks and the 'wildlife collision belt' in the Upper Midwest and Northern Plains as key risk areas.
Animal collisions are most frequent from October through December, with peak activity during dawn and dusk.

The big picture

Farmers Insurance's analysis shifts the focus from claim volume to the proportion of animal collisions relative to comprehensive losses, revealing disproportionate risks in states with expansive rural networks. This data could influence underwriting practices and policyholder education, particularly as seasonal wildlife activity increases. The findings underscore the need for targeted risk management strategies in regions where animal collisions are a significant roadway hazard.

What we're watching

Geographic Risk: How the concentration of animal collisions in specific states will influence insurance pricing and coverage requirements.
Seasonal Trends: Whether the fall peak in animal collisions will drive increased demand for comprehensive coverage during this period.
Safety Measures: The pace at which drivers adopt safety measures, such as reduced speed and increased vigilance in high-risk areas.