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 $4,800in 2022.
07
Medical payment claims under auto policies averaged $3,200per 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 $450per incident in 2022.
12
DUI-related auto claims cost $10,500on average, 3x higher than standard claims.
13
Hail damage claims under comprehensive coverage averaged $4,200in 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 $9,000per claim in 2021.
17
Distracted driving contributed to 25% of liability claims in 2022.
18
Average towing and labor claim was $1,200in 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 $4,500in 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 $15,000per incident.
26
Motorcycle claims severity was $21,000average 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 $12,000due 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 $25,000in retail.
04
Construction claims severity $50,000average.
05
Office workers' comp claims mostly strains, $2,500avg.
06
COVID workers' comp claims $5 billion total.
07
Truck driver claims average $100,000for injuries.
08
Manufacturing amputation claims $120,000average.
09
Healthcare workers' needle sticks $5,000avg claim.
10
Fraud in workers' comp 10% of claims, $6 billion loss.
11
Hearing loss claims average $40,000in industry.
12
Repetitive stress claims up 15%, $15,000 avg.
13
Fatal workers' comp claims average $1.2 million.
14
Restaurant slips average $20,000claim.
15
IT cybersecurity liability claims $25,000avg breach.
16
Product liability claims average $50,000per incident.
17
Directors & officers claims $250,000average.
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 $1,200for inpatient hospital stays.
02
Outpatient health claims averaged $500per visit in 2022.
03
Prescription drug claims totaled $400 billion, average $150 per claim.
04
Emergency room claims averaged $2,200in 2022.
05
Mental health claims rose 25% to average $1,800 per claim in 2022.
06
Cancer treatment claims averaged $50,000per patient annually.
07
Maternity claims averaged $18,000for uncomplicated births.
08
COVID-19 claims peaked at $15,000average hospitalization cost.
09
Dental claims under health plans averaged $300per procedure.
10
Physical therapy claims $150per session, 12 sessions average.
11
Heart attack claims averaged $28,000inpatient.
12
Knee replacement surgery claims $35,000average.
13
Telehealth claims surged 50%, averaging $100 per visit.
14
Diabetes management claims $12,000yearly average.
15
Stroke treatment claims $45,000average hospital stay.
16
Allergy treatment claims $800annual average.
17
Chiropractic claims averaged $60per visit, 20 visits/year.
18
Organ transplant claims exceed $1 million average.
19
Preventive care claims $200average per wellness visit.
20
Vision care claims $150for eye exams and glasses.
21
Fertility treatment claims $15,000per IVF cycle.
22
Back pain claims $8,000average treatment course.
23
Autism therapy claims $50,000yearly for children.
24
Hip replacement claims $40,000average.
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 $500,000under 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 $25,000payout.
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 $50,000average 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 $10,000for 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 $11,300per 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 $83,500in 2022.
04
Theft claims under homeowners policies averaged $5,100in 2022.
05
Hail damage to roofs cost $10,500average per homeowners claim in 2023.
06
Flood claims, when covered, averaged $45,000but most are excluded.
07
In 2022, 1.4 million homeowners claims were filed, totaling $70 billion.
08
Liability claims from dog bites averaged $59,000in homeowners policies.
09
Tree-related property damage claims averaged $5,500in 2022.
10
Appliance failure water claims rose 15%, averaging $11,000.
11
Wildfire claims in California averaged $300,000per 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 $7,500under homeowners.
16
Vandalism claims peaked at $3,200average during summer 2022.
17
Frozen pipe claims cost $12,500average in winter 2022.
18
Trampoline liability claims averaged $20,000.
19
Pool-related drowning claims $400,000average payout.
20
Earthquake claims in high-risk areas averaged $150,000.
21
Mold remediation claims averaged $30,000following water damage.
22
Home office equipment claims up 40% post-pandemic, $2,500 avg.
23
Garage fire claims averaged $45,000in 2022.
24
Siding damage from storms $8,000average.
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
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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.
Sources & references
72 datasets cited across this report · attribution is report-level