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Home›Dog insurance›These 10 states had the most dog bite claims in 2021

These 10 states had the most dog bite claims in 2021

By Vincent Harness
April 21, 2022
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10.Arizona

Number of complaints: 489

Average cost per claim: $43,059

Value of claims: $14.5 million

(Credit: REC and ROLL/Adobe Stock)

9. New Jersey

Number of complaints: 661

Average cost per claim: $49,981

Value of claims: $30.5 million

(Credit: Credit: Khairil Azhar Junos/Shutterstock.com)

8.Ohio

Number of complaints: 732

Average cost per claim: $41,499

Value of claims: $30.4 million

(Credit: Joseph Sohm)

7. Pennsylvania

Number of complaints: 777

Average cost per claim: $47,353

Value of claims: $36.8 million

(Credit: photo.ua/Shutterstock)

6.Illinois

Number of complaints: 844

Average cost per claim: $56,292

Value of claims: $47.5 million

(Credit: SevenMaps/Shutterstock)

5.Michigan

Number of complaints: 892

Average cost per claim: $48,258

Value of claims: $43 million

(Credit: Sean Pavone/Shutterstock.com)

4. New York

Number of complaints: 900

Average cost per claim: $68,203

Value of claims: $61.4 million

(Credit: Shutterstock)

3.Texas

Number of complaints: 1,003

Average cost per claim: $39,884

Value of claims: $40 million

(Credit: Nick Fox/Adobe Stock)

2. Florida

Number of complaints: 1,478

Average cost per claim: $54,820

Value of claims: $81.1 million

(Credit: Ingo70/Shutterstock.com)

1. California

Number of complaints: 2,026

Average cost per claim: $59,561

Value of claims: $120.7 million

(Credit: Shutterstock.com)

In 2021, claims for dog bites and other dog-related injuries in the United States rose 2.2% from the previous year, according to a review of homeowners insurance data by the Insurance Information Institute (Triple-I) and state farm.

In total, 2021 saw 17,989 dog bite claims nationwide, Triple-I reported, with a total of $881 million paid out. Dog bites and other dog-related injuries accounted for more than a third of all dollars paid out for owners’ liability claims last year.

Although the number of incidents has increased, the average cost per claim saw a slight decrease (1.1%) in 2021, when the average claim for a dog bite was just over $40,000. In 2020, the average claim paid $50,245.

However, Triple-I noted that over the past decade, the average amount paid for a dog bite claim has increased by 39%. The increases seen over the past 10 years can be attributed to rising medical costs and the growing size of settlements awarded by judges and juries, according to Janet Ruiz, CPCU, AIM, director of strategic communications for Triple-I. From 2012 to 2021, the number of dog-related injury claims increased by 9%.

While the most dangerous dog breeds are often brought up in discussions about pets and claims, these discussions are myopic. Triple-I reports that the most dangerous types of dogs are “those that fall victim to human flaws, such as poor training, irresponsible owners, and breeding practices that promote naughtiness.”

The slideshow above details the states that had the highest volume and costs of dog-related injury claims in 2021, according to Triple-I and State Farm. Compiling the data, claims costs include dog bites as well as dogs running over children, the elderly and cyclists, which can lead to serious injuries, according to Triple-I.

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