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March 2026Auto5 min read

What rising vehicle repair costs mean for your auto deductible

Average claim severity is up 38% in three years. Here's how to right-size your deductible and limits for today's market.

JR
Javier Reyes
Principal Agent

The math has changed

Three years ago, the average comprehensive auto claim in Florida was about $3,400. In 2025 it crossed $4,700. The reasons aren't a mystery:

  • Sensors and cameras embedded in bumpers, mirrors, and windshields turn a fender-bender into a $2,800 calibration job.
  • EVs and hybrids carry battery-pack damage risk that didn't exist on a 2015 Civic.
  • Body-shop labor rates in South Florida have jumped from $58/hr to $94/hr.

Your deductible choices from five years ago weren't designed for this.

Right-sizing your deductible

A deductible is essentially a self-funded layer. The right number is the one you could write a check for tomorrow without flinching.

If your emergency fund isConsider deductible
< $2,000$500
$2,000 – $10,000$1,000
> $10,000 and you drive < 12k mi/yr$2,500

Raising from $500 to $1,000 typically saves 8–14% on comp/collision premium. Raising to $2,500 saves another 6–10%. Over five claim-free years that's real money — and statistically you're far more likely to bank the savings than file.

Limits matter more than the deductible

Florida is a no-fault state for PIP, but bodily injury liability is where ruin actually happens. The legal minimum (10/20) is dangerously low. A single ICU stay can blow through $250,000 in a week.

Our standard recommendation for a household with assets to protect:

  • BI: 250/500 (or 100/300 if budget is tight, then layer an umbrella)
  • PD: 100,000
  • UM/UIM: matched to BI — this is the coverage that pays you when the other driver is uninsured
  • Med Pay: $5,000–$10,000

What to do this month

Pull up your auto declarations page and check three lines: BI, UM/UIM, and your deductible. If any of them haven't been touched since before 2022, they probably need a second look. We'll do a side-by-side quote across our 20+ carriers at no cost.

Have a question?

Talk to a licensed advisor — no sales pitch.

Send us your current dec page or just describe your situation. We'll respond within one business hour.