County risk profile
Boone County, Iowa
AutoRiskIQ explains the forces that shape auto insurance pressure in Boone County. Scores are informational and describe location trends, not individual outcomes.
Score status
33
/ 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 Boone County
Accident & Exposure Risk
Crash frequency is below the national distribution. Fatality severity is above the national distribution. 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 below the national distribution, 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 Boone 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
4
Feeds monitored: 1. Source: State DOT 511 incident feeds + TomTom traffic incidents (third-party).
Top incident types
Risk spotlight
Accident & Exposure Risk in Boone County
We highlight the highest-pressure risk signal in Boone Countyand show the public inputs that drive the score.
42
/ 100
Crash frequency is below the national distribution. Fatality severity is above the national distribution. Traffic exposure is near the national midpoint.
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 Boone County
County premium data is limited, so we use statewide NAIC average premiums for context. This does not represent a quote or a recommendation.
12
/ 100
Statewide average premium: $1,010
Premium pressure sits below the current risk baseline, which can reflect competitive 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 Boone County
AutoRiskIQ surfaces the most influential signals behind the score, explains changes from prior periods, and compares Boone County to state and national benchmarks.
Leading signals
Accident & Exposure Risk
Crash frequency is below the national distribution. Fatality severity is above the national distribution. Traffic exposure is near the national midpoint.
Theft & Fraud Exposure
Vehicle theft rates are below the national distribution.
Weather & Environmental Risk
Severe weather exposure is below the national distribution based on FEMA hazard signals.