County risk profile
Yolo County, California
AutoRiskIQ explains the forces that shape auto insurance pressure in Yolo County. Scores are informational and describe location trends, not individual outcomes.
Score status
43
/ 100
Percentile-based relative to national average.
Updated 2025-12-29.
Risk scale
Relative risk pressure levels used across AutoRiskIQ.
Risk readiness
Core risk signals for Yolo County
Accident & Exposure Risk
Crash frequency is below the national distribution. Fatality severity is near the national midpoint. Traffic exposure is near the national midpoint.
Weather & Environmental Risk
Severe weather exposure is below the national distribution based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are above the national distribution, with inflation pressure below the national distribution.
Claim Friction & Legal Context
NAIC complaints, DOI enforcement, and litigation environment signals tied to claims.
Theft & Fraud Exposure
Vehicle theft rates are above the national distribution.
Market Structure Context
Rate filing cadence and market concentration context for pricing power.
Live traffic context
Local incident feeds for Yolo County
County pages highlight DOT or city incident feeds when they are available for major metros.
Counts reflect active incidents reported to public traffic systems, not a full crash census.
Active incidents
38
Feeds monitored: 1. Source: State DOT 511 incident feeds + TomTom traffic incidents (third-party).
Top incident types
Risk spotlight
Theft & Fraud Exposure in Yolo County
We highlight the highest-pressure risk signal in Yolo Countyand show the public inputs that drive the score.
86
/ 100
Vehicle theft rates are above the national distribution.
Vehicle theft rate
Auto thefts per 100k vehicles with trend direction.
Sources: FBI UCR/NIBRS, NICB reports
Fraud environment
Fraud prevalence signal (low / medium / high).
Sources: NICB fraud reports, State DOI fraud unit summaries
Premium pressure context
How premiums compare with risk in Yolo County
County premium data is limited, so we use statewide NAIC average premiums for context. This does not represent a quote or a recommendation.
68
/ 100
Statewide average premium: $1,417
Premium pressure sits above the current risk baseline, which can reflect market, regulatory, or timing effects.
Why this can happen
- Rate adjustments can lag current loss experience and risk shifts.
- Market structure and competition can push premiums above or below modeled risk.
- Repair costs, litigation pressure, or catastrophe load can amplify pricing beyond baseline risk signals.
County context
What will be explained for Yolo County
AutoRiskIQ surfaces the most influential signals behind the score, explains changes from prior periods, and compares Yolo County to state and national benchmarks.
Leading signals
Theft & Fraud Exposure
Vehicle theft rates are above the national distribution.
Cost & Repair Pressure
Repair cost levels are above the national distribution, with inflation pressure below the national distribution.
Accident & Exposure Risk
Crash frequency is below the national distribution. Fatality severity is near the national midpoint. Traffic exposure is near the national midpoint.