Hitting a deer is usually considered a random event and does not significantly affect insurance rates. Deer accidents are covered by comprehensive car insurance, which protects you from damage caused by things outside your control, like theft, vandalism, falling tree branches, and animals.
Comprehensive claims go on your insurance record, but they don’t dramatically affect your rate because they’re not-at-fault accidents. Claim frequency does affect how much you pay for insurance, though. One comprehensive claim won’t spike your rate, but multiple claims in three years or less will increase your premium.
https://www.insure.com/car-insurance/switch-car-insurance-after-accident/
