2024-2025 Data
Car Accident Settlement Statistics
Real settlement data by state, injury type, and accident type. Understand what your case may be worth based on actual settlement outcomes across the United States.
Why Location Matters
The same injury can result in dramatically different settlements depending on where the accident occurred. A car accident settlement in New York averages $287,000, while the national average is only $29,524 — a difference of nearly 10x.
Important
Settlement calculators that ignore location can undervalue your case by 2x, 5x, or even 10x. SetCalc is the only calculator that factors in your specific location for accurate estimates.
Average Settlements by State
Settlement values vary dramatically based on state laws, jury tendencies, and insurance regulations. Here are the top 15 states by average car accident settlement value.
| Rank | State | Average Settlement | vs National Avg |
|---|---|---|---|
| 1 | New York | $287,000 | +872% |
| 2 | California | $185,000 | +527% |
| 3 | Illinois | $145,000 | +391% |
| 4 | New Jersey | $125,000 | +323% |
| 5 | Texas | $95,000 | +222% |
| 6 | Florida | $77,000 | +161% |
| 7 | Pennsylvania | $72,000 | +144% |
| 8 | Michigan | $65,000 | +120% |
| 9 | Georgia | $58,000 | +96% |
| 10 | Ohio | $52,000 | +76% |
| 11 | Arizona | $48,000 | +63% |
| 12 | North Carolina | $45,000 | +52% |
| 13 | Virginia | $42,000 | +42% |
| 14 | Massachusetts | $68,000 | +130% |
| 15 | Washington | $55,000 | +86% |
| — | National Average | $29,524 | Baseline |
Source: SetCalc analysis of settlement data, court records, and legal databases (2024-2025). Actual settlements vary based on case specifics.
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These are averages. Your case may be worth more or less depending on specific factors. Calculate your personalized estimate free in 5 minutes.
Calculate My Settlement FreeSettlements by Injury Type
Injury severity is the single biggest factor affecting settlement value. Here's what different injuries typically settle for.
Traumatic Brain Injury (TBI)
🧠Typical range: $100,000 - $10M+
Spinal Cord Injury
🦴Typical range: $500,000 - $20M+
Broken Bones/Fractures
🩹Typical range: $50,000 - $500,000
Herniated Disc
💫Typical range: $30,000 - $200,000
Whiplash
🔄Typical range: $7,500 - $50,000
Soft Tissue Injuries
💪Typical range: $5,000 - $50,000
Concussion
😵Typical range: $15,000 - $100,000
Internal Injuries
🫀Typical range: $75,000 - $1M+
Settlement amounts based on severity, treatment required, and long-term impact. Individual cases may vary significantly.
Settlements by Accident Type
The type of accident affects settlement values due to injury severity patterns, insurance policy limits, and liability factors.
Semi-Truck/18-Wheeler
Range: $100,000 - $500,000+
Car Accident (General)
Range: $10,000 - $100,000
Motorcycle Accident
Range: $40,000 - $300,000
Uber/Lyft Accident
Range: $15,000 - $1,000,000+
Pedestrian Accident
Range: $50,000 - $500,000
Bus Accident
Range: $30,000 - $400,000
Key Takeaways
Location is Critical
The same accident in New York vs. a rural state can mean a 10x difference in settlement value. Always factor in your location.
Injury Severity Drives Value
TBI and spinal injuries average $850K-$1.2M, while whiplash averages $19K. Document all injuries thoroughly.
Commercial Vehicles = Higher Settlements
Truck and rideshare accidents often result in higher settlements due to commercial insurance policies and corporate liability.
Don't Accept First Offers
Insurance companies' first offers are typically 20-40% below fair value. Understanding your case value helps you negotiate effectively.
Calculate Your Personalized Estimate
These statistics are averages. Your case is unique. Get a personalized settlement estimate based on your specific injuries, location, and circumstances — free and in minutes.
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Data Methodology
Settlement statistics compiled by SetCalc from analysis of court records, legal databases, insurance industry reports, and verified settlement outcomes. Data represents 2024-2025 averages and is updated regularly. Individual settlement values vary significantly based on specific case factors including liability, injury documentation, treatment costs, and attorney representation.
*Settlement values are estimates and should not be considered guarantees. Consult with a personal injury attorney for legal advice about your specific situation.
DISCLAIMER: SetCalc is for informational purposes only. We do not provide legal advice or legal representation. We recommend consulting an attorney regarding your case.
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