County risk profile
West Baton Rouge Parish, Louisiana
AutoRiskIQ explains the forces that shape auto insurance pressure in West Baton Rouge Parish. Scores are informational and describe location trends, not individual outcomes.
Score status
53
/ 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 West Baton Rouge Parish
Accident & Exposure Risk
Crash frequency is above 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 near the national midpoint, 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 West Baton Rouge Parish
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
32
Feeds monitored: 1. Source: State DOT 511 incident feeds + TomTom traffic incidents (third-party).
Top incident types
Risk spotlight
Theft & Fraud Exposure in West Baton Rouge Parish
We highlight the highest-pressure risk signal in West Baton Rouge Parishand show the public inputs that drive the score.
90
/ 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 West Baton Rouge Parish
County premium data is limited, so we use statewide NAIC average premiums for context. This does not represent a quote or a recommendation.
98
/ 100
Statewide average premium: $1,979
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 West Baton Rouge Parish
AutoRiskIQ surfaces the most influential signals behind the score, explains changes from prior periods, and compares West Baton Rouge Parish to state and national benchmarks.
Leading signals
Theft & Fraud Exposure
Vehicle theft rates are above the national distribution.
Accident & Exposure Risk
Crash frequency is above the national distribution. Fatality severity is above the national distribution. Traffic exposure is near the national midpoint.
Cost & Repair Pressure
Repair cost levels are near the national midpoint, with inflation pressure below the national distribution.