County risk profile
Putnam County, Illinois
AutoRiskIQ explains the forces that shape auto insurance pressure in Putnam County. Scores are informational and describe location trends, not individual outcomes.
Score status
47
/ 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 Putnam County
Accident & Exposure Risk
Crash frequency is above the national distribution. Fatality severity is above the national distribution. Traffic exposure is above the national distribution.
Weather & Environmental Risk
Severe weather exposure is below the national distribution based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are near the national midpoint, with inflation pressure above 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 below the national distribution.
Market Structure Context
Rate filing cadence and market concentration context for pricing power.
Live traffic context
Local incident feeds for Putnam 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.
Risk spotlight
Accident & Exposure Risk in Putnam County
We highlight the highest-pressure risk signal in Putnam Countyand show the public inputs that drive the score.
81
/ 100
Crash frequency is above the national distribution. Fatality severity is above the national distribution. Traffic exposure is above the national distribution.
Accident frequency
Crashes per 100k residents with urban vs rural weighting and trend direction.
Sources: NHTSA (FARS), State DOT crash datasets
Accident severity
Fatal and serious injury weighting to capture loss severity pressure.
Sources: NHTSA fatal & injury stats, State injury severity data
Traffic density & congestion
Vehicle miles traveled per capita with congestion multipliers in metros.
Sources: FHWA VMT data, Metro congestion indices
Intersection risk density
Share of crashes occurring in top 5% of high-risk intersections.
Sources: Local DOT crash maps, Open crash GIS datasets
Premium pressure context
How premiums compare with risk in Putnam County
County premium data is limited, so we use statewide NAIC average premiums for context. This does not represent a quote or a recommendation.
44
/ 100
Statewide average premium: $1,257
Premium pressure is roughly aligned with the current risk baseline.
County context
What will be explained for Putnam County
AutoRiskIQ surfaces the most influential signals behind the score, explains changes from prior periods, and compares Putnam County to state and national benchmarks.
Leading signals
Accident & Exposure Risk
Crash frequency is above the national distribution. Fatality severity is above the national distribution. Traffic exposure is above the national distribution.
Cost & Repair Pressure
Repair cost levels are near the national midpoint, with inflation pressure above the national distribution.
Theft & Fraud Exposure
Vehicle theft rates are below the national distribution.