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7 Most Common Auto Insurance Claims & What They Cost

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Learning about the most common auto insurance claims can save you money. Since auto insurance premiums are based on the total pool of drivers and all the claims filed with a particular company, rates can vary dramatically from provider to provider — but can also be lowered if each driver takes precautions against the risks.

 #7: Animal Collisions

According to MSN Money, the average cost of damage from hitting a deer is $3,171.

#6: Vandalism

According to eHow, the average cost of cosmetic damage by vandals is $100-$300, so many people pay out-of-pocket for these expenses, rather than deal with the cost of their insurance going up once a claim is filed.

#5 Theft

Allstate says the average cost of a stolen vehicle is around $6,649. You can expect a much higher premium after this! Many drivers opt to install additional security features to protect themselves from this crime.

#4 Windshield Damage

CostHelper says the cost of a new windshield ranges from $157 to $324. Crack repair is usually less than $100. Beware of offers to “fix your windshield for free,” as these companies often inflate the repair costs and result in higher insurance premiums.

#3 Back Injuries

Lawyers fight to get these claims paid out as high as possible! Peterson Law Offices estimates that settlements range from $900 to $115,000.

#2 Whiplash

According to the Whiplash Prevention Campaign, whiplash claims cost the US a total of $29 billion annually.

#1 Fender Benders

Small fender benders where no injuries are reported are the most common type of auto insurance claim. According to MSNBC sources, the average repair cost is a whopping $2,000!

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