Does auto insurance cover hitting an animal with a car? (2024)

Does insurance cover damages from hitting an animal with your car? Most people think that their collision coverage will kick-in in car accidents caused by animals. But it doesn't. Although you technically “collide” with the animal, collision coverage typically only covers accidents involving two vehicles. Animal collisions are considered not-at-fault accidents and will not affect your insurance rates, so in situations where animals are involved, comprehensive coverage is needed. The average cost of comprehensive insurance in the U.S. runs around $136 per year - read on to see if it is worth it for you.

UPDATED: Jan 16, 2024Fact Checked

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Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

UPDATED: Jan 16, 2024

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UPDATED: Jan 16, 2024

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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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