15 Shocking Car Insurance Claim Statistics (2021 Results)

Car insurance claim statistics show that the average claim price rose 27% during our 10-year study period. Very large pickup trucks cause the most damage, resulting in the most expensive liability claims. On the other hand, 2-door microcars and minicars result in the least expensive car insurance claims, well below the overall losses compared to the average for all vehicles.

Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. H...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 1, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • 5 million car crashes involving property damage occur every year
  • Weather damage is a leading cause of car insurance claims
  • 3 million people are injured in car crashes in the U.S. every year
  • The cost of car insurance coverage has risen in the past few years

View as image

No one enjoys getting in a car accident. The panic, the wreck, the exchange of insurance information, even involving the police. Unfortunately, for many, that’s just when the headache starts.

After a car accident, you’ll deal with your car insurance company by submitting a claim. Depending on the type of vehicle you have and the severity of the accident, your car insurance company will pay out damages — to you or to the other driver.

Here are 15 shocking car insurance claim statistics that’ll make you think, ponder, and even cause you to consider if moving to a new state is a better option for your finances.

The map at the top of the page shows the average insurance rates for each state. Often, the number of claims submitted in a state gets passed onto the policyholders.

These are the car insurance facts you should know. They include car insurance claim frequency, commercial car insurance statistics, and vehicle insurance. After the statistics, we cover the car insurance claim process and when in that process you might receive your car insurance claim check.

All of this can get complicated — head over to our guide to car insurance for additional clarification at any point (or additional easter eggs to get better car insurance rates).

Let’s get started.

Table of Contents

Car Insurance Claim Facts That Might Surprise You

Our researchers dug deep to come up with the best statistics about car insurance claims currently out there. They are golden nuggets, highlighting different types of vehicles, states, car insurance companies, and more.

Be prepared to be shocked, startled, and fascinated. It’s not typical to see the dirty side of car insurance and that’s what we have for you here. Scroll down for the 15 shocking car insurance claim statistics, starting with those dollar signs.

#1 – The average claim price has risen 27% in 10 years

With each passing year during our study period, the average price rose, typically between 2% and 6%. Some factors that could have influenced this include the average cost per vehicle, vehicles with more expensive technology equipment, and the higher severity of accidents as a result of speeding, drunk driving, and distracted driving.

#2 – The average claim amount for all car insurance types is $6,360

When all car insurances — such as liability, collision, comprehensive, and more — are taken into account, the average claim turned out to be $6,360. That equals roughly 17% of the cost of a new car during the last year of our study period.

#3 – On average, there are 7 annual claims for every 100 insured vehicles

Those seven claims come from all car insurance coverages. Examples of the most common include rear-end collisions, vandalism, weather damage, single-car crashes, and crashes at intersections.

#4 – Large vehicles cause the most expensive insurance losses

This may not come as a surprise but large vehicles do the most damage in accidents, resulting in the largest liability insurance losses of any vehicle size type

#5 – Commercial car insurance claims are more often for liability coverage

Within private passenger auto insurance, there is a 3:2 ratio in the dollar figure from liability claims to property damage. Within commercial auto insurance, that ratio is 4:1. This is because a business is often more open to liability than a regular car owner and is more likely to be sued.

#6 – The Rolls Royce Dawn Convertible has the most expensive insurance claims

When it comes to the cost to repair the vehicle you own, the Rolls Royce Dawn convertible is the most expensive. For collision insurance, the Rolls Royce Dawn convertible costs 448% more on average to repair. For comprehensive insurance, it costs 2,055% more on average to repair.

Comprehensive insurance claims can actually be some of the most costly as they cover events that can total your vehicle. Learn more about filing a comprehensive damage car insurance claim.

#7 – The Corvette Grand Sport Convertible has the cheapest property damage claims

At -83%, the Chevrolet Corvette Grand Sport convertible is the car with the lowest property damage liability losses. This implies that if it hits something, it does less damage than other vehicles.

#8 – Vehicles in the microcar category have the lowest insurance claim costs

The smaller the vehicle, generally the less expensive the claims. Microcars (two-seaters) overall cause insurance companies fewer headaches, as the claim costs are the lowest of all vehicles.

#9 – Very large pickup trucks have the most expensive property damage liability claims

On the flip side, very large pickup trucks cause the highest property damage liability losses by vehicle class. When they hit something, they cause the most damage, resulting in the most expensive claims.

#10 – Luxury cars have the most expensive car insurance claim costs of all vehicles

Luxury vehicles — whether SUVs or cars — have the highest overall claim cost. This is not necessarily surprising as these cars tend to start at $35,000 to buy new and include technological features and comfort features that are more expensive than regular vehicles.

To combat this, insurance companies often charge much higher rates to owners of luxury vehicles, which can make prospective buyers of these vehicles think twice before purchasing.

#11 – Allstate has the lowest loss ratio (56%) compared to the top car insurance providers

If you’re wondering which car insurance company fulfills the most claims (a must-research for all car insurance seekers), you might be shocked that Allstate, one of the most expensive car insurance companies, fulfills just 56% of claims submitted. This is the lowest out of all top 10 car insurance companies.

#12 – Out of the top 10 car insurance companies, USAA has the highest loss ratio (77%)

On the other side, USAA has the highest fulfillment of claims at 77%. This is good news for USAA insurance holders, as they have a higher likelihood that their car insurance company will reimburse them for losses. This number is the highest for all top 10 insurance companies.

#13 – A crash caused by speeding results in an 18% increase in car insurance rates

If you’re the individual causing an accident and you were breaking the law while doing so, your rates can jump significantly. On average, for the top 10 car insurance companies, if you get into an accident while speeding, your car insurance rates will jump 18%.

#14 – A single accident claim results in a 31% bump in car insurance rates

Perhaps ironically, a single accident claim results in a rate hike of 31%, regardless of whether you were breaking the law or not. Keep in mind that some car insurance companies offer accident forgiveness, which can save you hundreds in the long term.

#15 – A drunk driving crash causes a 58% increase in car insurance rates

Then there is drunk driving. Causing a crash when you have been drinking and driving over the limit results in a 58% increase in your car insurance rates. Though, of course, with the legal trouble involved, this may be your least concern.

Factors that Influence Car Insurance Claim Costs

There are several factors that influence claim costs. Many times, the cost of a possible claim is factored into your car insurance rates. Owning a microcar will likely come with lower car insurance rates than if you’re driving a luxury sports car. Here are seven factors that influence claim costs.

#1 – The Severity of the Car Accident

The more damage caused in an accident, including personal injuries, property damages, and any deaths, will result in more expensive claims.

#2 – The Price of Vehicle Parts for Property Damage Claims

Crashes involving vehicles with more expensive parts are likely to result in more expensive claims, as the insurance company needs to pay for the replacement or repair of those parts.

#3 – The Extent of Injuries Sustained for MedPay Claims

If you sustain an injury in a car accident and require medical assistance or treatment, you can file a personal injury protection claim to be reimbursed. But this is one factor that increases the total accident claim amount.

#4 – The Amount of Lost Wages for Personal Injury Protection Claims

If you’re injured in a car accident to the point where you miss work time and lose wages, your personal injury protection coverage can reimburse you for those lost wages. But this adds to the overall accident claim amount.

#5 – State-Specific Laws on Car Insurance Coverage

Generally, no-fault car insurance states have higher rates than at-fault insurance states. This is because each driver goes through their own insurance company after an accident, resulting in higher claim costs.

#6 – When a Vehicle Is Labeled a “Total Loss”

Guaranteed Asset Protection insurance (GAP), comprehensive, and collision insurances have specific policy language about totaled vehicles. This can result in the highest claim cost as the car insurance company is reimbursing the owner for the actual cash value of the vehicle.

#7 – Accidents Involving Under or Uninsured Drivers

If you’re hit by an uninsured driver, the claims process becomes more complicated, especially if the driver takes off. It can be difficult to get reimbursement from your car insurance company because many people try to defraud their car insurance companies by damaging their own car then “blaming” it on an uninsured motorist.

The map below shows the percentage of drivers in each state that are uninsured, as well as that state’s ranking nationally (higher is worse).

View as image

As you can see, the South, in general, is ranked quite horribly for this, along with the West Coast. The only area in the country that scores well is the Northeast.

Purchasing uninsured/underinsured motorist insurance is optional but you might want to consider it if you live in a state with many uninsured drivers.

How to File a Car Insurance Claim

Because the focus of this article is claims, we thought to include a brief section on how to file one. Hopefully, you will never have to, but the information could help if you need to either at this moment or in the future.

While this section covers the topic from beginning to end, head over to our auto insurance claims article for more detailed information.

  • At the scene of the accident, exchange insurance information with the other driver, take photos of any damage to vehicles, get witness testimonies if possible, and involve the police to get that all-important police report of the accident.
  • Seek out a trusted auto shop to receive an estimate on the cost of repairs. This step is only if the other driver was found at fault or if you have collision insurance.
  • Using your preferred method, file the claim with your car insurance company. Most companies allow claim filings over the phone, on their websites, or through their mobile apps. You can also contact your insurance agent.
  • Be prepared to wait for the verdict. If your vehicle is so damaged that you can’t drive it, your car insurance company might allow for a rental car while yours is in the shop getting ready to be repaired.

The battle: Sometimes your car insurance company will seek out their own estimates on how much it will take to repair your vehicle. In this situation, you will deal with a claims adjuster who will come out and inspect your car.

You may have to fight with your car insurance company for what you believe you should receive to repair your vehicle.

In some cases, you might have to dispute a car insurance claim that has been made against you. This is why taking pictures at the scene and involving the police is so important. If someone decides to take you to court over a car accident, you’ll want all the evidence that supports your position.

There are also situations where you might not want to file a claim. Many of these involve minor damage such as claiming a scratch on your car insurance. If you have a deductible in this instance, you won’t be reimbursed and your car insurance rates might rise.

Rankings for Car Insurance Claim Losses by Vehicle

The car you drive matters when it comes to claims. And it’s not all about the sticker price. In this section, we’ll show you the crux of our research into individual makes and models — which had the highest claim prices and ones that had the least. And all by different types of insurances.

A higher percentage means the farther away they were from the average. A negative percentage means more money was saved, while a positive percentage means more money was spent. All of the following tables adhere to this format.

Property Damage Liability Claim Losses

Property damage liability insurance kicks in when you get in an accident, damage something that’s not yours (another car, telephone pole), and are found at fault.

In these cases, your insurance company will pay out the money to repair the property. The table below has the list of vehicles with the lowest relative claim costs for this insurance.

Vehicles with the Lowest Property Damage Liability Insurance Claim Losses
Make/ModelClassDifference from Avg.
Chevrolet Corvette Grand Sport ConvertibleMidsize sports car-83%
Porsche 911 Targa 2dr 4WDMidsize sports car-77%
Chevrolet Corvette ConvertibleMidsize sports car-71%
Chevrolet Corvette Grand Sport 2drMidsize sports car-64%
Porsche 911 Carrera 2drMidsize sports car-61%
Volvo XC60 4drMidsize luxury SUV-61%
Porsche 911 Carrera ConvertibleMidsize sports car-60%
BMW M240xi 2dr 4WDMidsize luxury car-60%
Genesis G70 4dr 2WD/4WDLarge luxury car-60%
Porsche Cayman 2drSmall sports car-60%

Certainly, it is expected that smaller cars would do the least damage. But it is actually midsize and small sports cars and luxury cars that dominate this list. Perhaps the drivers of these cars are more careful, so when they get into an accident, it’s less severe, resulting in less expensive claims.

The following table shows the opposite: the vehicles that result in the highest property damage liability insurance claims.

Vehicles with the Highest Property Damage Liability Insurance Claim Losses
Make/ModelClassDifference from Avg.
Chevrolet Silverado 2500 Ext. CabVery large pickup+127%
Ram 3500 Crew Cab LWBVery large pickup+100%
Ram 3500 Crew Cab LWB 4WDVery large pickup+74%
Ram 3500 Mega Cab 4WDVery large pickup+67%
Kia RioMini 4dr car+54%
Ram 2500 Mega Cab 4WDVery large pickup+51%
Chevrolet SonicSmall 4dr car+51%
Ford F-450 SuperCrew 4WDVery large pickup+50%
Chevrolet Silverado 2500 Crew CabVery large pickup+50%
Ram 3500 Crew Cab SWB 4WDVery large pickup+49%

With just two exceptions — the minicar Kia Rio and small car Chevrolet Sonic — the vehicles that cause the most damage are very large pickup trucks.

Collision Insurance Claim Losses

Collision insurance comes into play when your vehicle is damaged but you’re found at fault, meaning the other driver’s liability insurance won’t pay for the repairs to your vehicle. Vehicles that don’t get damaged much in accidents tend to be the ones that dish the damage: the large ones.

The table below shows the vehicles with the lowest claim costs for collision car insurance.

Vehicles with the Lowest Collision Insurance Claim Losses
Make/ModelClassDifference from Avg.
Chevrolet Express 2500 SeriesVery large van-68%
Jeep Wrangler 2dr 4WDMidsize SUV-57%
Chevrolet Express 3500 SeriesVery large van-56%
Smart ForTwo electricMicro 2dr car-51%
Ford F-350 4WDVery large pickup-51%
Fiat 500 ElectricMini 2dr car-50%
Ford F-250 4WDVery large pickup-50%
Ram 2500 Crew Cab LWBVery large pickup-48%
Ram 2500 4WDVery large pickup-47%
Ford F-250 SuperCab 4WDVery large pickup-46%

Here, you can see that the vehicles with the lowest claim costs for collision insurance are also generally large vehicles. But they are standard vehicles rather than luxury vehicles or sports cars. Less damage is done to them in general for all size types and they don’t have very expensive parts to repair.

The following table shows the vehicles with the highest claim costs for collision insurance.

Vehicles with the Highest Collision Insurance Claim Losses
Make/ModelClassDifference from Avg.
Rolls Royce Dawn ConvertibleVery large luxury car+448%
Bentley Bentayga 4dr 4WDLarge luxury SUV+432%
Mercedes-Benz AMG GT 2drLarge sports car+425%
BMW M5 4dr 4WDLarge luxury car+415%
Aston Martin DB11 2drLarge sports car+408%
Ferrari 488 GTS ConvertibleMidsize sports car+408%
Alfa Romeo Giulia Quadrifoglio 4drMidsize luxury car+357%
Maserati Granturismo ConvertibleLarge sports car+355%
Acura NSX Hybrid 2dr 4WDMidsize sports car+338%
Nissan GT-R 2dr 4WDMidsize sports car+329%

The ones that take the biggest beating — that have the highest claim costs — are not necessarily the smallest cars. Smaller cars have fewer parts and generally can be cheaper than larger cars.

The vehicles that have the highest claim costs are midsize to very large luxury and sports cars, big vehicles with expensive parts.

Comprehensive Insurance Claim Losses

Comprehensive insurance kicks in during certain events and is frequently referred to as “anything but collision” insurance. Some of the events that trigger a comprehensive insurance claim are weather damage, vehicle theft, vandalism, riots, and more.

The table below shows the vehicles with the lowest claim costs for comprehensive insurance.

Vehicles with the Lowest Comprehensive Insurance Claim Losses
Make/ModelClassDifference from Avg.
Ford F-250 4WDVery large pickup-63%
Fiat 500 ElectricMini 2dr car-60%
Ford T-150 TransitVery large van-53%
Chevrolet Corvette ConvertibleMidsize sports car-52%
Chevrolet Express 2500 Cargo SeriesVery large van-52%
Audi Q3 4dr 4WDSmall luxury SUV-48%
Nissan Frontier Crew Cab LWBSmall pickup-48%
Fiat 500Mini 2dr car-47%
Jeep Wrangler 2dr 4WDMidsize SUV-46%
Chevrolet Silverado 1500 Legacy Ext. CabLarge pickup-46%

In this case, there doesn’t appear to be many similarities between the vehicles with the lowest claim costs for this insurance type. The vehicles are all different types and sizes.

The following table shows the opposite: the vehicles with the highest claim costs for comprehensive insurance.

Vehicles with the Highest Comprehensive Insurance Claim Losses
Make/ModelClassDifference from Avg.
Rolls Royce Dawn ConvertibleVery large luxury car+2,055%
Mercedes-Benz G Class 4dr 4WDLarge luxury SUV+819%
Mercedes-Benz S Class AMG Convertible 4WDVery large luxury car+609%
Bentley Bentayga 4dr 4WDLarge luxury SUV+577%
Mercedes-Benz GT Class AMG ConvertibleLarge sports car+557%
Mercedes-Benz S Class 2dr 4WDVery large luxury car+553%
Mercedes-Benz S Class 4dr LWBVery large luxury car+455%
Porsche 911 Turbo Convertible 4WDMidsize sports car+440%
Mercedes-Benz S Class 4dr LWB 4WDVery large luxury car+430%
Mercedes-Benz G Class AMG 4dr 4WDLarge luxury SUV+405%

The similarities between these vehicles are easy to see — large and expensive. These are vehicles with high sticker prices, ones with higher quality materials, some with more advanced technology, and others with engines built for racing.

Personal Injury Protection Claim Rates

Personal injury protection insurance (PIP) is there when you sustain an injury from a car accident. In those cases, you’d file a claim with your insurance company for reimbursement of medical bills or treatment.

The table below shows the vehicles with the lowest claim rates for PIP insurance.

Vehicles with the Lowest Personal Injury Protection Insurance Claim Rates
Make/ModelClassDifference from Avg.
Ford Mustang Shelby GT350 2drMidsize sports car-71%
Porsche 911 Carrera 2drMidsize sports car-69%
Porsche 911 Carrera ConvertibleMidsize sports car-68%
Ford F-250 SuperCab 4WDVery large pickup-68%
Ford F-150 4WDLarge pickup-65%
Chevrolet Corvette Z06 2drMidsize sports car-62%
Porsche Cayenne 4dr 4WDLarge luxury SUV-62%
Chevrolet Corvette Grand Sport 2drMidsize sports car-61%
Porsche Cayman 2drSmall sports car-61%
Mercedes-Benz SL Class ConvertibleMidsize sports car-61%

Almost all of them are pickups and sports cars. Pickups make sense as they are larger than most vehicles and will dish out more damage than they take, protecting the driver and passengers more than the typical car.

Sports cars may seem strange at first, but many nowadays come with a gamut of safety features from multiple airbags, active traction control, lane departure warning, and more.

The following table shows the vehicles with the highest claim rates for personal injury protection insurance.

Vehicles with the Highest Personal Injury Protection Insurance Claim Rates
Make/ModelClassDifference from Avg.
Mitsubishi Mirage G4Mini 4dr car+197%
Mitsubishi MirageMicro 4dr car+119%
Nissan VersaSmall 4dr car+108%
Dodge Journey 4drMidsize SUV+101%
Kia ForteSmall 4dr car+96%
Chevrolet SonicSmall 4dr car+93%
Kia RioMini 4dr car+92%
Nissan SentraSmall 4dr car+82%
Ford FiestaMini 4dr car+81%
Toyota YarisMini 4dr car+77%

All micro, mini, and small cars. They may be fuel-efficient, nice, and cute, but when it comes to protecting you in an accident, they don’t have the greatest track record. Imagine a pickup hitting a microcar and picture the damage.

MedPay Insurance Claim Rates

Medical Payments Insurance (MedPay) is similar to PIP in that it covers your medical bills if you are injured in an accident, regardless of who caused the accident.

The table below shows the vehicles with the lowest claim rates for MedPay car insurance.

Vehicles with the Lowest Med Pay Insurance Claim Rates
Make/ModelClassDifference from Avg.
Chevrolet Corvette Grand Sport 2drMidsize sports car-65%
Land Rover Discovery 4dr 4WDLarge luxury SUV-63%
Ford F-350 SuperCrew 4WDVery large pickup-60%
Ford F-250 SuperCrew 4WDVery large pickup-59%
Ford F-250 SuperCab 4WDVery large pickup-59%
Chevrolet Bolt ElectricSmall 4dr car-58%
Volvo XC60 4dr 4WDMidsize luxury SUV-55%
Ram 2500 Mega Cab 4WDVery large pickup-55%
Chevrolet Corvette 2drMidsize sports car-53%
GMC Sierra 2500 Crew Cab 4WDVery large pickup-52%

Like with the vehicles that have the lowest claim rates for PIP, the vehicles that fare the best in MedPay are very large, large, and midsize cars. There is just one small car on the list: the Chevrolet Bolt.

The following table shows the vehicles that had the highest claim rates for MedPay car insurance.

Vehicles with the Highest Med Pay Insurance Claim Rates
Make/ModelClassDifference from Avg.
Mitsubishi Mirage G4Mini 4dr car+200%
Mitsubishi MirageMicro 4dr car+145%
Nissan VersaSmall 4dr car+144%
Kia RioMini 4dr car+126%
Kia ForteSmall 4dr car+111%
Nissan SentraSmall 4dr car+110%
Ford FiestaMini 4dr car+103%
Chevrolet SparkMini 4dr car+96%
Chevrolet SonicSmall 4dr car+95%
Dodge Journey 4drMidsize SUV+91%

Nine out of the 10 cars are micro, mini, or small. There is just one midsize vehicle on the list (the Dodge Journey). Again, physical size matters in crashes, and having a bigger vehicle can help prevent injuries.

Bodily Injury Liability Claim Rates

Bodily injury liability is similar to PIP and MedPay in that it pays for medical bills due to injuries sustained in an accident. However, bodily injury liability isn’t for you and your bills: it’s for the other driver and their bills.

The table below shows the vehicles that have the lowest claim rates for bodily injury liability car insurance.

Vehicles with the Lowest Bodily Injury Liability Insurance Claim Rates
Make/ModelClassDifference from Avg.
Subaru Ascent 4dr 4WD with EyeSightMidsize SUV-66%
Porsche 911 Carrera 2drMidsize sports car-64%
Acura RDX 4drMidsize luxury SUV-62%
Acura RDX 4dr 4WDMidsize luxury SUV-61%
Chevrolet Corvette Grand Sport 2drMidsize sports car-61%
Subaru Forester 4dr 4WD with EyeSightSmall SUV-59%
Volvo XC90 4dr 4WDMidsize luxury SUV-58%
Audi SQ5 4dr 4WDMidsize luxury SUV-58%
Hyundai Santa Fe 4dr 4WDSmall SUV-55%
Subaru Crosstrek 4WD with EyeSightSmall station wagon-54%

From this perspective, bodily injury liability claim rates flip the vehicle size types in PIP and MedPay. Midsize and small vehicles result in the lowest claim rates. An interesting note is that most of the vehicles listed are SUVs.

The following table shows the vehicles that result in the highest rate of bodily injury liability car insurance claims.

Vehicles with the Highest Bodily Injury Liability Insurance Claim Rates
Make/ModelClassDifference from Avg.
Mitsubishi Mirage G4Mini 4dr car+121%
Kia RioMini 4dr car+110%
Kia Optima HybridMidsize 4dr car+106%
Mitsubishi MirageMicro 4dr car+103%
Chevrolet SonicSmall 4dr car+89%
Nissan VersaSmall 4dr car+85%
Kia ForteSmall 4dr car+82%
Ram ProMaster 1500Large van+79%
Dodge ChargerLarge 4dr car+75%
Mitsubishi Outlander Sport 4drSmall SUV+71%

Unlike with PIP and MedPay, the vehicles with the highest claim rates in bodily injury liability insurance are of all different sizes. It appears, from the list, that the smaller the car, the higher rate of claims.

Frequently Asked Questions: Car Insurance Claims, Providers, and Policies

Now that we’ve covered our 15 shocking car insurance claim statistics, let’s get to your frequently asked questions. They include:

  • What percentage of cars are totaled?
  • How long does a car accident stay on record?
  • How many accidents does it take for your insurance to drop you?

Scroll down for the answers to those and many more.

#1 – How many claims is too many for car insurance?

There is no limit in how many claims you can file with your car insurance company per year. However, the more you file, the likelier the chances that your insurance company will drop you.

#2 – What percentage of cars are totaled?

While there is no clear percentage of how many cars get totaled per year, the general rule for insurance companies to declare your car a total loss is if the damage to repair ratio is 75% or higher. This means that if the repairs for your car cost as much or more than 75% of the actual cost value of the car, your insurance company will label it a total loss.

#3 – Is there a database for car insurance claims?

The best way to find out how many claims have been filed for a particular company is to turn to the major sources of auto insurance information like the Insurance Information Institute, the Insurance Institute for Highway Safety, and the National Association of Insurance Commissioners.

#4 – What is the number-one insurance company?

The number-one auto insurance company is State Farm and it has been for a number of years. However, both GEICO and Progressive have been gaining on State Farm in the past few years, with both companies putting an emphasis on gaining policyholders through online systems rather than agents.

#5 – How often do people file auto insurance claims?

The average motorist files an auto insurance claim once every 18 years.

#6 – How long does a car accident stay on record?

Generally, an accident will stay on your car insurance record for about three years if it is a standard accident. If the accident involves some type of legal trouble, it can stay on your record for longer or even cause the car insurance company to drop you as a policyholder.

#7 – Will my car insurance drop me after an accident?

Not generally after a single accident, unless the accident involved a major breaking of the law such as reckless driving or drunk driving. In those cases, if convicted, you might have trouble finding car insurance altogether.

#8 – How many accidents does it take for insurance to drop you?

The rule-of-thumb is that if you file three claims in three years, your car insurance company will drop you.

Methodology: Car Insurance Claims by Vehicle Class, Make, and Model

For this article, our researchers dug deep into sources like the Insurance Information Institute and the Insurance Institute for Highway Safety to come up with the latest statistics about crash frequency, severity, and overall losses for all vehicle types. Those vehicle types were:

  • 2-door cars
  • 4-door cars
  • Station wagons
  • Sports cars
  • Luxury cars
  • Pickups
  • SUVs
  • Luxury SUVs
  • Vans

Our experts then broke down each vehicle type and used high-level statistical analysis to discover which caused the most costly claims and which did not. The six vehicle types were:

  1. Micro
  2. Mini
  3. Small
  4. Midsize
  5. Large
  6. Very large

From there, our analysts determined claim costs per vehicle type and vehicle size type, combining information to create statistics for specific vehicles, such as the car that causes the most expensive claims out of all vehicles.

The most recent data came from 2019 and was released in 2020.

Average Monthly Car Insurance Rates by State
Car Insurance Rates by State
Car Insurance Rates by State
Uninsured Drivers by State
Uninsured Drivers by State