GITNUXREPORT 2026

Insurance Claims Statistics

Rising insurance claim costs are hitting both drivers and homeowners hard.

Rajesh Patel

Team Lead & Senior Researcher with over 15 years of experience in market research and data analytics.

First published: Feb 13, 2026

Our Commitment to Accuracy

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Statistic 1

In 2022, the average cost of an auto insurance claim for bodily injury was $26,501, a 12% increase from 2021.

Statistic 2

U.S. auto insurers paid out $165.1 billion in claims in 2022, with collision claims averaging $5,326 per claim.

Statistic 3

From 2018 to 2022, the frequency of auto theft claims rose by 21%, with 1.2 million claims filed in 2022.

Statistic 4

In 2023, comprehensive auto claims averaged $2,735, primarily due to weather-related damages.

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Hit-and-run auto claims increased 15% year-over-year in 2022, totaling over 300,000 incidents.

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The average liability claim payout for property damage in auto insurance was $4,800 in 2022.

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Medical payment claims under auto policies averaged $3,200 per claim in 2021.

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Uninsured motorist claims surged 18% in 2022, costing insurers $5.2 billion.

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In Q1 2023, auto physical damage claims severity rose 9.2% to $4,950 average.

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Rear-end collision claims accounted for 29% of all auto claims in 2022.

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Average rental reimbursement claim was $450 per incident in 2022.

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DUI-related auto claims cost $10,500 on average, 3x higher than standard claims.

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Hail damage claims under comprehensive coverage averaged $4,200 in 2022.

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Auto glass claims frequency increased 5% in 2023, averaging $400 per claim.

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In 2022, 42% of auto claims were for vehicles under 3 years old.

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PIP claims in no-fault states averaged $9,000 per claim in 2021.

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Distracted driving contributed to 25% of liability claims in 2022.

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Average towing and labor claim was $1,200 in 2022.

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EV auto claims cost 20% more than gas vehicles, averaging $6,100 in 2023.

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Parked car claims rose 10% in urban areas in 2022.

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Single-vehicle accident claims averaged $4,500 in property damage in 2022.

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Roadside assistance claims increased 8% post-COVID, averaging $150 per call.

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In 2022, winter weather claims for autos totaled $2.5 billion.

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Fraudulent auto claims cost $40 billion annually, 10% of total payouts.

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Teen driver claims are 3x costlier, averaging $15,000 per incident.

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Motorcycle claims severity was $21,000 average in 2022.

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Rideshare-related claims rose 25% in 2022.

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Animal collision claims averaged $4,800, mostly deer-related.

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Flood-related auto claims spiked 50% in 2022.

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Vintage car claims averaged $12,000 due to parts scarcity.

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In 2022, workers' comp claims totaled $62 billion, average $41,000 per lost-time claim.

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Musculoskeletal disorders 30% of workers' comp claims, average 8 weeks off.

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Slip-and-fall claims average $25,000 in retail.

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Construction claims severity $50,000 average.

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Office workers' comp claims mostly strains, $2,500 avg.

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COVID workers' comp claims $5 billion total.

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Truck driver claims average $100,000 for injuries.

Statistic 38

Manufacturing amputation claims $120,000 average.

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Healthcare workers' needle sticks $5,000 avg claim.

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Fraud in workers' comp 10% of claims, $6 billion loss.

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Hearing loss claims average $40,000 in industry.

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Repetitive stress claims up 15%, $15,000 avg.

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Fatal workers' comp claims average $1.2 million.

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Restaurant slips average $20,000 claim.

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IT cybersecurity liability claims $25,000 avg breach.

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Product liability claims average $50,000 per incident.

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Directors & officers claims $250,000 average.

Statistic 48

General liability claims 1.5 million filed yearly.

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Cyber claims totaled $2.5 billion in 2022.

Statistic 50

Employment practices claims average $125,000.

Statistic 51

In 2022, average health insurance claim cost was $1,200 for inpatient hospital stays.

Statistic 52

Outpatient health claims averaged $500 per visit in 2022.

Statistic 53

Prescription drug claims totaled $400 billion, average $150 per claim.

Statistic 54

Emergency room claims averaged $2,200 in 2022.

Statistic 55

Mental health claims rose 25% to average $1,800 per claim in 2022.

Statistic 56

Cancer treatment claims averaged $50,000 per patient annually.

Statistic 57

Maternity claims averaged $18,000 for uncomplicated births.

Statistic 58

COVID-19 claims peaked at $15,000 average hospitalization cost.

Statistic 59

Dental claims under health plans averaged $300 per procedure.

Statistic 60

Physical therapy claims $150 per session, 12 sessions average.

Statistic 61

Heart attack claims averaged $28,000 inpatient.

Statistic 62

Knee replacement surgery claims $35,000 average.

Statistic 63

Telehealth claims surged 50%, averaging $100 per visit.

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Diabetes management claims $12,000 yearly average.

Statistic 65

Stroke treatment claims $45,000 average hospital stay.

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Allergy treatment claims $800 annual average.

Statistic 67

Chiropractic claims averaged $60 per visit, 20 visits/year.

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Organ transplant claims exceed $1 million average.

Statistic 69

Preventive care claims $200 average per wellness visit.

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Vision care claims $150 for eye exams and glasses.

Statistic 71

Fertility treatment claims $15,000 per IVF cycle.

Statistic 72

Back pain claims $8,000 average treatment course.

Statistic 73

Autism therapy claims $50,000 yearly for children.

Statistic 74

Hip replacement claims $40,000 average.

Statistic 75

In 2022, life insurance claims totaled $80 billion, with average payout $150,000.

Statistic 76

Term life claims approval rate 98%, average death benefit $200,000.

Statistic 77

Cancer diagnoses led to 25% of life claims in 2022.

Statistic 78

Heart disease caused 30% of group life claims, average $100,000.

Statistic 79

Suicide exclusions affected 1% of claims, mostly first two years.

Statistic 80

Accidental death claims averaged $500,000 under riders.

Statistic 81

COVID-19 accounted for 10% of claims in 2021-2022.

Statistic 82

Whole life claims surrender rate 5%, death claims 95% paid.

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Children's life claims rare, average $25,000 payout.

Statistic 84

Disability riders in life policies claimed 20% more in 2022.

Statistic 85

Aviation death claims $1 million average for pilots.

Statistic 86

Overdose deaths led to 15% rise in claims under 50.

Statistic 87

Military life claims 99% approval, average $400,000.

Statistic 88

Lapse rates affect 20% potential claims annually.

Statistic 89

Critical illness riders paid $50,000 average claim.

Statistic 90

Accelerated death benefits used in 5% terminal cases.

Statistic 91

Murder victims' claims average $250,000.

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Dementia-related claims up 20%, average age 78.

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Contestable claims 0.5%, mostly misrepresentation.

Statistic 94

Group life claims processed 2x faster than individual.

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Final expense claims average $10,000 for burial.

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In 2022, homeowners insurance claims for wind damage averaged $11,300 per claim.

Statistic 97

Water damage claims accounted for 23% of all homeowners claims in 2022, averaging $12,400.

Statistic 98

The average fire claim payout for homeowners was $83,500 in 2022.

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Theft claims under homeowners policies averaged $5,100 in 2022.

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Hail damage to roofs cost $10,500 average per homeowners claim in 2023.

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Flood claims, when covered, averaged $45,000 but most are excluded.

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In 2022, 1.4 million homeowners claims were filed, totaling $70 billion.

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Liability claims from dog bites averaged $59,000 in homeowners policies.

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Tree-related property damage claims averaged $5,500 in 2022.

Statistic 105

Appliance failure water claims rose 15%, averaging $11,000.

Statistic 106

Wildfire claims in California averaged $300,000 per home in 2022.

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Burglary claims frequency down 5% but severity up to $6,200.

Statistic 108

Roof leak claims averaged $9,000, 12% of water claims.

Statistic 109

Hurricane Ian caused 200,000 property claims totaling $15 billion.

Statistic 110

Jewelry theft claims averaged $7,500 under homeowners.

Statistic 111

Vandalism claims peaked at $3,200 average during summer 2022.

Statistic 112

Frozen pipe claims cost $12,500 average in winter 2022.

Statistic 113

Trampoline liability claims averaged $20,000.

Statistic 114

Pool-related drowning claims $400,000 average payout.

Statistic 115

Earthquake claims in high-risk areas averaged $150,000.

Statistic 116

Mold remediation claims averaged $30,000 following water damage.

Statistic 117

Home office equipment claims up 40% post-pandemic, $2,500 avg.

Statistic 118

Garage fire claims averaged $45,000 in 2022.

Statistic 119

Siding damage from storms $8,000 average.

Statistic 120

Landlord property claims 20% higher than owner-occupied.

1/120

Sources

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Brace yourself: the shocking truth about insurance claims is that from soaring auto thefts costing insurers billions to million-dollar workplace accidents and devastating wildfires, every statistic tells a story of risk and resilience that could impact your financial future.

Key Takeaways

In 2022, the average cost of an auto insurance claim for bodily injury was $26,501, a 12% increase from 2021.
U.S. auto insurers paid out $165.1 billion in claims in 2022, with collision claims averaging $5,326 per claim.
From 2018 to 2022, the frequency of auto theft claims rose by 21%, with 1.2 million claims filed in 2022.
In 2022, homeowners insurance claims for wind damage averaged $11,300 per claim.
Water damage claims accounted for 23% of all homeowners claims in 2022, averaging $12,400.
The average fire claim payout for homeowners was $83,500 in 2022.
In 2022, average health insurance claim cost was $1,200 for inpatient hospital stays.
Outpatient health claims averaged $500 per visit in 2022.
Prescription drug claims totaled $400 billion, average $150 per claim.
In 2022, life insurance claims totaled $80 billion, with average payout $150,000.
Term life claims approval rate 98%, average death benefit $200,000.
Cancer diagnoses led to 25% of life claims in 2022.
In 2022, workers' comp claims totaled $62 billion, average $41,000 per lost-time claim.
Musculoskeletal disorders 30% of workers' comp claims, average 8 weeks off.
Slip-and-fall claims average $25,000 in retail.

Rising insurance claim costs are hitting both drivers and homeowners hard.

Auto Insurance Claims

In 2022, the average cost of an auto insurance claim for bodily injury was $26,501, a 12% increase from 2021.
U.S. auto insurers paid out $165.1 billion in claims in 2022, with collision claims averaging $5,326 per claim.
From 2018 to 2022, the frequency of auto theft claims rose by 21%, with 1.2 million claims filed in 2022.
In 2023, comprehensive auto claims averaged $2,735, primarily due to weather-related damages.
Hit-and-run auto claims increased 15% year-over-year in 2022, totaling over 300,000 incidents.
The average liability claim payout for property damage in auto insurance was $4,800 in 2022.
Medical payment claims under auto policies averaged $3,200 per claim in 2021.
Uninsured motorist claims surged 18% in 2022, costing insurers $5.2 billion.
In Q1 2023, auto physical damage claims severity rose 9.2% to $4,950 average.
Rear-end collision claims accounted for 29% of all auto claims in 2022.
Average rental reimbursement claim was $450 per incident in 2022.
DUI-related auto claims cost $10,500 on average, 3x higher than standard claims.
Hail damage claims under comprehensive coverage averaged $4,200 in 2022.
Auto glass claims frequency increased 5% in 2023, averaging $400 per claim.
In 2022, 42% of auto claims were for vehicles under 3 years old.
PIP claims in no-fault states averaged $9,000 per claim in 2021.
Distracted driving contributed to 25% of liability claims in 2022.
Average towing and labor claim was $1,200 in 2022.
EV auto claims cost 20% more than gas vehicles, averaging $6,100 in 2023.
Parked car claims rose 10% in urban areas in 2022.
Single-vehicle accident claims averaged $4,500 in property damage in 2022.
Roadside assistance claims increased 8% post-COVID, averaging $150 per call.
In 2022, winter weather claims for autos totaled $2.5 billion.
Fraudulent auto claims cost $40 billion annually, 10% of total payouts.
Teen driver claims are 3x costlier, averaging $15,000 per incident.
Motorcycle claims severity was $21,000 average in 2022.
Rideshare-related claims rose 25% in 2022.
Animal collision claims averaged $4,800, mostly deer-related.
Flood-related auto claims spiked 50% in 2022.
Vintage car claims averaged $12,000 due to parts scarcity.

Auto Insurance Claims Interpretation

The data paints a picture of American drivers becoming increasingly expensive crash test dummies for each other, with everyone from deer to distracted texters to Mother Nature herself collaborating to send our insurance premiums into orbit.

Commercial Insurance Claims

In 2022, workers' comp claims totaled $62 billion, average $41,000 per lost-time claim.
Musculoskeletal disorders 30% of workers' comp claims, average 8 weeks off.
Slip-and-fall claims average $25,000 in retail.
Construction claims severity $50,000 average.
Office workers' comp claims mostly strains, $2,500 avg.
COVID workers' comp claims $5 billion total.
Truck driver claims average $100,000 for injuries.
Manufacturing amputation claims $120,000 average.
Healthcare workers' needle sticks $5,000 avg claim.
Fraud in workers' comp 10% of claims, $6 billion loss.
Hearing loss claims average $40,000 in industry.
Repetitive stress claims up 15%, $15,000 avg.
Fatal workers' comp claims average $1.2 million.
Restaurant slips average $20,000 claim.
IT cybersecurity liability claims $25,000 avg breach.
Product liability claims average $50,000 per incident.
Directors & officers claims $250,000 average.
General liability claims 1.5 million filed yearly.
Cyber claims totaled $2.5 billion in 2022.
Employment practices claims average $125,000.

Commercial Insurance Claims Interpretation

These statistics reveal a workplace where a papercut in an office costs a song, while a truck driver's injury carries the price of a house, proving that the premium for danger is paid not just by the worker, but in staggering sums by the ledger.

Health Insurance Claims

In 2022, average health insurance claim cost was $1,200 for inpatient hospital stays.
Outpatient health claims averaged $500 per visit in 2022.
Prescription drug claims totaled $400 billion, average $150 per claim.
Emergency room claims averaged $2,200 in 2022.
Mental health claims rose 25% to average $1,800 per claim in 2022.
Cancer treatment claims averaged $50,000 per patient annually.
Maternity claims averaged $18,000 for uncomplicated births.
COVID-19 claims peaked at $15,000 average hospitalization cost.
Dental claims under health plans averaged $300 per procedure.
Physical therapy claims $150 per session, 12 sessions average.
Heart attack claims averaged $28,000 inpatient.
Knee replacement surgery claims $35,000 average.
Telehealth claims surged 50%, averaging $100 per visit.
Diabetes management claims $12,000 yearly average.
Stroke treatment claims $45,000 average hospital stay.
Allergy treatment claims $800 annual average.
Chiropractic claims averaged $60 per visit, 20 visits/year.
Organ transplant claims exceed $1 million average.
Preventive care claims $200 average per wellness visit.
Vision care claims $150 for eye exams and glasses.
Fertility treatment claims $15,000 per IVF cycle.
Back pain claims $8,000 average treatment course.
Autism therapy claims $50,000 yearly for children.
Hip replacement claims $40,000 average.

Health Insurance Claims Interpretation

While your premiums may feel like a luxury cruise, your actual claims experience is more of a short, expensive ferry ride between increasingly costly islands of care, each with its own staggering toll.

Life Insurance Claims

In 2022, life insurance claims totaled $80 billion, with average payout $150,000.
Term life claims approval rate 98%, average death benefit $200,000.
Cancer diagnoses led to 25% of life claims in 2022.
Heart disease caused 30% of group life claims, average $100,000.
Suicide exclusions affected 1% of claims, mostly first two years.
Accidental death claims averaged $500,000 under riders.
COVID-19 accounted for 10% of claims in 2021-2022.
Whole life claims surrender rate 5%, death claims 95% paid.
Children's life claims rare, average $25,000 payout.
Disability riders in life policies claimed 20% more in 2022.
Aviation death claims $1 million average for pilots.
Overdose deaths led to 15% rise in claims under 50.
Military life claims 99% approval, average $400,000.
Lapse rates affect 20% potential claims annually.
Critical illness riders paid $50,000 average claim.
Accelerated death benefits used in 5% terminal cases.
Murder victims' claims average $250,000.
Dementia-related claims up 20%, average age 78.
Contestable claims 0.5%, mostly misrepresentation.
Group life claims processed 2x faster than individual.
Final expense claims average $10,000 for burial.

Life Insurance Claims Interpretation

Insurance stats show we're quick to pay for the expected (like cancer and heart disease), relatively generous when tragedy strikes suddenly (like accidents or for our military), and have very human complexities, from the heartbreaking exclusions to the small, practical policies meant just for a dignified goodbye.

Property Insurance Claims

In 2022, homeowners insurance claims for wind damage averaged $11,300 per claim.
Water damage claims accounted for 23% of all homeowners claims in 2022, averaging $12,400.
The average fire claim payout for homeowners was $83,500 in 2022.
Theft claims under homeowners policies averaged $5,100 in 2022.
Hail damage to roofs cost $10,500 average per homeowners claim in 2023.
Flood claims, when covered, averaged $45,000 but most are excluded.
In 2022, 1.4 million homeowners claims were filed, totaling $70 billion.
Liability claims from dog bites averaged $59,000 in homeowners policies.
Tree-related property damage claims averaged $5,500 in 2022.
Appliance failure water claims rose 15%, averaging $11,000.
Wildfire claims in California averaged $300,000 per home in 2022.
Burglary claims frequency down 5% but severity up to $6,200.
Roof leak claims averaged $9,000, 12% of water claims.
Hurricane Ian caused 200,000 property claims totaling $15 billion.
Jewelry theft claims averaged $7,500 under homeowners.
Vandalism claims peaked at $3,200 average during summer 2022.
Frozen pipe claims cost $12,500 average in winter 2022.
Trampoline liability claims averaged $20,000.
Pool-related drowning claims $400,000 average payout.
Earthquake claims in high-risk areas averaged $150,000.
Mold remediation claims averaged $30,000 following water damage.
Home office equipment claims up 40% post-pandemic, $2,500 avg.
Garage fire claims averaged $45,000 in 2022.
Siding damage from storms $8,000 average.
Landlord property claims 20% higher than owner-occupied.

Property Insurance Claims Interpretation

Based on these numbers, it seems a homeowner's biggest gamble isn't the stock market, but whether the next drip, gust, or spark turns out to be a $9,000 nuisance or a financial knockout punch averaging anywhere from $83,500 to a soul-crushing $300,000.