Hit a doe with my car one dark evening last week - she charged across the road out of nowhere. I stopped to check her condition (from a distance) but thankfully, she got up and kept running. I can't imagine how dangerous a deer/bicycle accident would be for the bike rider.
Like others on this thread, I'm in east central NJ (Monmouth County) and we're overrun with deer, and this time of year is especially active.
Honda Civic - about $75 for do-it-myself repairs (headlamp and bulb) - other damage not worth worrying about for an 11-year old car.