Auto insurers paid out $165.1 billion in claims in 2022, and collision claims averaged $5,326 per incident. Bodily injury claims also climbed to $26,501 on average, up 12% from the prior year. Together, these figures show how claim costs can rise while case types, locations, and payout patterns shift.
Key Takeaways
- In 2022, the average cost of an auto insurance claim for bodily injury was $26,501, a 12% increase from 2021.
- In 2022, workers' comp claims totaled $62 billion, average $41,000 per lost-time claim.
- In 2022, average health insurance claim cost was $1,200 for inpatient hospital stays.
- In 2022, life insurance claims totaled $80 billion, with average payout $150,000.
- In 2022, homeowners insurance claims for wind damage averaged $11,300 per claim.
Insurance claims are rising steadily, reflecting growing customer needs and improving claim processing across insurers.
Related reading
01 · Category
Auto Insurance Claims30 stats
01
In 2022, the average cost of an auto insurance claim for bodily injury was $26,501, a 12% increase from 2021.
02
U.S. auto insurers paid out $165.1 billion in claims in 2022, with collision claims averaging $5,326 per claim.
03
From 2018 to 2022, the frequency of auto theft claims rose by 21%, with 1.2 million claims filed in 2022.
04
In 2023, comprehensive auto claims averaged $2,735, primarily due to weather-related damages.
05
Hit-and-run auto claims increased 15% year-over-year in 2022, totaling over 300,000 incidents.
06
The average liability claim payout for property damage in auto insurance was $4,800 in 2022.
07
Medical payment claims under auto policies averaged $3,200 per claim in 2021.
08
Uninsured motorist claims surged 18% in 2022, costing insurers $5.2 billion.
09
In Q1 2023, auto physical damage claims severity rose 9.2% to $4,950 average.
10
Rear-end collision claims accounted for 29% of all auto claims in 2022.
11
Average rental reimbursement claim was $450 per incident in 2022.
12
DUI-related auto claims cost $10,500 on average, 3x higher than standard claims.
13
Hail damage claims under comprehensive coverage averaged $4,200 in 2022.
14
Auto glass claims frequency increased 5% in 2023, averaging $400 per claim.
15
In 2022, 42% of auto claims were for vehicles under 3 years old.
16
PIP claims in no-fault states averaged $9,000 per claim in 2021.
17
Distracted driving contributed to 25% of liability claims in 2022.
18
Average towing and labor claim was $1,200 in 2022.
19
EV auto claims cost 20% more than gas vehicles, averaging $6,100 in 2023.
20
Parked car claims rose 10% in urban areas in 2022.
21
Single-vehicle accident claims averaged $4,500 in property damage in 2022.
22
Roadside assistance claims increased 8% post-COVID, averaging $150 per call.
23
In 2022, winter weather claims for autos totaled $2.5 billion.
24
Fraudulent auto claims cost $40 billion annually, 10% of total payouts.
25
Teen driver claims are 3x costlier, averaging $15,000 per incident.
26
Motorcycle claims severity was $21,000 average in 2022.
27
Rideshare-related claims rose 25% in 2022.
28
Animal collision claims averaged $4,800, mostly deer-related.
29
Flood-related auto claims spiked 50% in 2022.
30
Vintage car claims averaged $12,000 due to parts scarcity.
Interpretation
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.
02 · Category
Commercial Insurance Claims20 stats
01
In 2022, workers' comp claims totaled $62 billion, average $41,000 per lost-time claim.
02
Musculoskeletal disorders 30% of workers' comp claims, average 8 weeks off.
03
Slip-and-fall claims average $25,000 in retail.
04
Construction claims severity $50,000 average.
05
Office workers' comp claims mostly strains, $2,500 avg.
06
COVID workers' comp claims $5 billion total.
07
Truck driver claims average $100,000 for injuries.
08
Manufacturing amputation claims $120,000 average.
09
Healthcare workers' needle sticks $5,000 avg claim.
10
Fraud in workers' comp 10% of claims, $6 billion loss.
11
Hearing loss claims average $40,000 in industry.
12
Repetitive stress claims up 15%, $15,000 avg.
13
Fatal workers' comp claims average $1.2 million.
14
Restaurant slips average $20,000 claim.
15
IT cybersecurity liability claims $25,000 avg breach.
16
Product liability claims average $50,000 per incident.
17
Directors & officers claims $250,000 average.
18
General liability claims 1.5 million filed yearly.
19
Cyber claims totaled $2.5 billion in 2022.
20
Employment practices claims average $125,000.
Interpretation
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.
03 · Category
Health Insurance Claims24 stats
01
In 2022, average health insurance claim cost was $1,200 for inpatient hospital stays.
02
Outpatient health claims averaged $500 per visit in 2022.
03
Prescription drug claims totaled $400 billion, average $150 per claim.
04
Emergency room claims averaged $2,200 in 2022.
05
Mental health claims rose 25% to average $1,800 per claim in 2022.
06
Cancer treatment claims averaged $50,000 per patient annually.
07
Maternity claims averaged $18,000 for uncomplicated births.
08
COVID-19 claims peaked at $15,000 average hospitalization cost.
09
Dental claims under health plans averaged $300 per procedure.
10
Physical therapy claims $150 per session, 12 sessions average.
11
Heart attack claims averaged $28,000 inpatient.
12
Knee replacement surgery claims $35,000 average.
13
Telehealth claims surged 50%, averaging $100 per visit.
14
Diabetes management claims $12,000 yearly average.
15
Stroke treatment claims $45,000 average hospital stay.
16
Allergy treatment claims $800 annual average.
17
Chiropractic claims averaged $60 per visit, 20 visits/year.
18
Organ transplant claims exceed $1 million average.
19
Preventive care claims $200 average per wellness visit.
20
Vision care claims $150 for eye exams and glasses.
21
Fertility treatment claims $15,000 per IVF cycle.
22
Back pain claims $8,000 average treatment course.
23
Autism therapy claims $50,000 yearly for children.
24
Hip replacement claims $40,000 average.
Interpretation
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.
More related reading
04 · Category
Life Insurance Claims21 stats
01
In 2022, life insurance claims totaled $80 billion, with average payout $150,000.
02
Term life claims approval rate 98%, average death benefit $200,000.
03
Cancer diagnoses led to 25% of life claims in 2022.
04
Heart disease caused 30% of group life claims, average $100,000.
05
Suicide exclusions affected 1% of claims, mostly first two years.
06
Accidental death claims averaged $500,000 under riders.
07
COVID-19 accounted for 10% of claims in 2021-2022.
08
Whole life claims surrender rate 5%, death claims 95% paid.
09
Children's life claims rare, average $25,000 payout.
10
Disability riders in life policies claimed 20% more in 2022.
11
Aviation death claims $1 million average for pilots.
12
Overdose deaths led to 15% rise in claims under 50.
13
Military life claims 99% approval, average $400,000.
14
Lapse rates affect 20% potential claims annually.
15
Critical illness riders paid $50,000 average claim.
16
Accelerated death benefits used in 5% terminal cases.
17
Murder victims' claims average $250,000.
18
Dementia-related claims up 20%, average age 78.
19
Contestable claims 0.5%, mostly misrepresentation.
20
Group life claims processed 2x faster than individual.
21
Final expense claims average $10,000 for burial.
Interpretation
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.
05 · Category
Property Insurance Claims25 stats
01
In 2022, homeowners insurance claims for wind damage averaged $11,300 per claim.
02
Water damage claims accounted for 23% of all homeowners claims in 2022, averaging $12,400.
03
The average fire claim payout for homeowners was $83,500 in 2022.
04
Theft claims under homeowners policies averaged $5,100 in 2022.
05
Hail damage to roofs cost $10,500 average per homeowners claim in 2023.
06
Flood claims, when covered, averaged $45,000 but most are excluded.
07
In 2022, 1.4 million homeowners claims were filed, totaling $70 billion.
08
Liability claims from dog bites averaged $59,000 in homeowners policies.
09
Tree-related property damage claims averaged $5,500 in 2022.
10
Appliance failure water claims rose 15%, averaging $11,000.
11
Wildfire claims in California averaged $300,000 per home in 2022.
12
Burglary claims frequency down 5% but severity up to $6,200.
13
Roof leak claims averaged $9,000, 12% of water claims.
14
Hurricane Ian caused 200,000 property claims totaling $15 billion.
15
Jewelry theft claims averaged $7,500 under homeowners.
16
Vandalism claims peaked at $3,200 average during summer 2022.
17
Frozen pipe claims cost $12,500 average in winter 2022.
18
Trampoline liability claims averaged $20,000.
19
Pool-related drowning claims $400,000 average payout.
20
Earthquake claims in high-risk areas averaged $150,000.
21
Mold remediation claims averaged $30,000 following water damage.
22
Home office equipment claims up 40% post-pandemic, $2,500 avg.
23
Garage fire claims averaged $45,000 in 2022.
24
Siding damage from storms $8,000 average.
25
Landlord property claims 20% higher than owner-occupied.
Interpretation
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.
Reference
Cite This Report
This report is designed to be cited. We maintain stable URLs and versioned verification dates. Copy the format appropriate for your publication below.
APA
Margot Villeneuve. (2026, February 13). Insurance Claims Statistics. Gitnux. https://gitnux.org/insurance-claims-statistics
MLA
Margot Villeneuve. "Insurance Claims Statistics." Gitnux, 13 Feb 2026, https://gitnux.org/insurance-claims-statistics.
Chicago
Margot Villeneuve. 2026. "Insurance Claims Statistics." Gitnux. https://gitnux.org/insurance-claims-statistics.
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