West Virginia leads the nation as the state where you are most likely to hit an animal, according to a claims analysis by State Farm. Montana, Pennsylvania, South Dakota and Iowa rank, respectively, behind the Mountain State as the worst states for animal collisions.

Odds of an animal collision are 1 out of 116, but that likelihood doubles during deer season, from October to December. In West Virginia, the odds are one in 37. 

State Farm estimates there were over 1.9 million animal collision insurance claims in the U.S. between July 1, 2019 and June 30, 2020.

Here is the likelihood of collision with a deer by state, according to State Farm:

State 2020-2021 Likelihood Of collision with animal 2020-2021 State ranking
West Virginia1 in 371
Montana1 in 472
Pennsylvania1 in 513
South Dakota1 in 534
Iowa1 in 585
Wyoming1 in 646
Wisconsin1 in 577
Michigan1 in 548
Mississippi1 in 599
Minnesota1 in 6410
South Carolina1 in 7011
Virginia1 in 7212
North Carolina1 in 7513
Arkansas1 in 8014
Missouri1 in 7815
North Dakota1 in 7316
Maine1 in 9117
Kansas1 in 8918
Kentucky1 in 8819
Georgia1 in 8920
Alabama1 in 9021
Nebraska1 in 9522
Ohio1 in 10223
Ohio1 in 10223
Indiana1 in 10324
Indiana1 in 10324
Maryland1 in 10725
Maryland1 in 10725
Delaware1 in 10926
Delaware1 in 10926
Idaho1 in 11827
Idaho1 in 11827
Massachusetts1 in 11428
Massachusetts1 in 11428
Rhode Island1 in 8429
Oklahoma1 in 11330
Oklahoma1 in 11330
Vermont1 in 11631
Vermont1 in 11631
Tennessee1 in 11932
Tennessee1 in 11932
New York1 in 13333
New York1 in 13333
Illinois1 in 14834
Illinois1 in 14834
New Hampshire1 in 18835
New Hampshire1 in 18835
New Jersey1 in 17136
New Jersey1 in 17136
Texas1 in 15837
Texas1 in 15837
Utah1 in 16338
Utah1 in 16338
Oregon1 in 18039
Oregon1 in 18039
Louisiana1 in 17340
Louisiana1 in 17340
Colorado1 in 20941
Connecticut1 in 22042
New Mexico1 in 22143
Washington1 in 27944
Alaska1 in 32545
Florida1 in 39646
California1 in 42747
Arizona1 in 41648
Nevada1 in 55149
Hawaii1 in 64950
District of Columbia1 in 81651

Drivers in Deer-Dense States Should Carry Comprehensive Insurance

Damage from deer collisions is covered by comprehensive insurance, which is optional coverage. It also covers theft, vandalism, hail, fire and other incidents largely beyond your control. Comprehensive claims don't generally raise your rates unless you have recently filed additional claims, says Penny Gusner, senior consumer analyst for CarInsurance.com. However, it will only pay out up to the actual cash value of your car, and you will have to pay the deductible, so be sure claim amount is higher than your deductible.

If you swerve to miss a deer and are successful but crash, say you hit a tree or guardrail, that damage is covered by collision insurance, says Gusner. If your vehicle doesn't make contact with the animal the damage is considered a collision claim because you hit another car or object (or rolled your vehicle).

Comprehensive and collision coverage typically won’t bust your budget, as the average cost is fairly affordable. According to a CarInsurance.com rate analysis, the average rate for collision coverage is $526 per year, for a full coverage policy with a $500 deductible. For comprehensive the national average rate is $192. Even if you have an old car, if you drive in areas with a high deer population (or elk, moose or other large animals that may cross roads), it's wise not to drop comprehensive and collision coverages.