Where Wildlife Poses the Greatest Roadway Risk

Rather than tallying raw numbers—which often favor states with higher population density—the study examined the ratio of animal-related comprehensive claims against all other non-collision losses. This methodology highlights areas where wildlife is a dominant factor in roadway safety. Montana leads the nation with 74% of its comprehensive claims attributed to animal strikes, followed closely by Michigan at 72% and Iowa at 71%.

Jonathan Hart, head of national auto physical damage at Farmers, notes that these incidents are not merely occasional mishaps but a persistent hazard for motorists. The data reveals a clear "wildlife collision belt" that includes North Dakota, Wisconsin, and Wyoming, though the risk is not exclusive to the West. Eastern states such as West Virginia and New York also report high percentages, proving that the threat persists regardless of topography.

Risk intensifies significantly during the fall months, particularly from October through December, as deer activity peaks. Farmers advises that these collisions occur most frequently during low-light hours at dawn and dusk. Because comprehensive coverage handles these incidents differently than standard collision policies, the insurer urges drivers to review their specific deductibles and limits before the season’s peak. Key safety advice remains consistent: brake rather than swerve, use high beams when appropriate, and maintain lower speeds on rural roads where wildlife is most active.