State risk profile
Kentucky
AutoRiskIQ explains the location-level forces that influence auto insurance pressure across Kentucky. Scores are informational and focus on relative risk, not individual outcomes.
Score status
53
/ 100
Percentile-based relative to national average.
Updated 2025-12-30.
Risk scale
Relative risk pressure levels used across AutoRiskIQ.
Risk readiness
Core risk signals for Kentucky
Accident & Exposure Risk
Crash frequency is near the national midpoint. 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 near the national midpoint, with inflation pressure near the national midpoint.
Claim Friction & Legal Context
Claim friction signals show complaint frequency is near the national midpoint, complaint severity is near the national midpoint, litigation environment is above the national distribution.
Theft & Fraud Exposure
Vehicle theft rates are above the national distribution.
Market Structure Context
Market structure signals show rate filing activity is above the national distribution, market concentration is near the national midpoint.
Live traffic context
Active incident feeds in Kentucky
State DOT 511 feeds offer a near-term view of disruptions that can raise short-term claim and repair pressure.
Counts reflect active incidents reported by public traffic systems, not a full crash census.
Risk spotlight
Theft & Fraud Exposure in Kentucky
We highlight the highest-pressure risk signal in Kentucky and show the public inputs that drive the score.
74
/ 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 Kentucky
This context index uses public NAIC average premium data to show how pricing pressure compares with the risk baseline. It is not a quote or a recommendation.
32
/ 100
Average combined premium: $1,208
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.
State context
Data-backed context for Kentucky
This section summarizes the strongest public signals behind the state score, highlights trend direction, and flags shifts in claim friction and repair pressure.
Leading signals
Theft & Fraud Exposure
Vehicle theft rates are above the national distribution.
Accident & Exposure Risk
Crash frequency is near the national midpoint. Fatality severity is above the national distribution. Traffic exposure is near the national midpoint.
Market Structure Context
Market structure signals show rate filing activity is above the national distribution, market concentration is near the national midpoint.