According to the Pennsylvania Insurance Department an additional premium charge (surcharge), is allowed to be charged for a limited number of years, as a result of violations, suspensions or accidents on the driving record of any driver covered under your policy.

While there may be exceptions due to not at fault accidents, acts of nature, etc they are not listed by the PA Insurance Department so you may want to contact them directly to find out about your situation. If there are no state laws regarding this issue then it would be up to your insurance carrier's rating system and guidelines to determine if hitting a deer and the associated claims would cause your rates to rise.

Pennsylvania does try to protect drivers against unreasonable surcharges. Motorists in Pennsylvania may no longer be surcharged or have their policy non renewed if the claim(s) resulting from the accident(s) in the preceding three years do not add to more than $1150 after payment of any deductible, or if the insurance company is reimbursed for at least 60 percent of the total amount of the paid claim.

The claim for the damage caused by the deer will fall under your comprehensive coverage. When placing your claim with your agent you should discuss if this type of claim will cause your rate to increase. If your rates do rise you may want to shop around for more affordable car insurance. You can start here by getting an auto insurance quote online.