County risk profile
Oakland County, Michigan
AutoRiskIQ explains the forces that shape auto insurance pressure in Oakland County. Scores are informational and describe location trends, not individual outcomes.
Score status
79
/ 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 Oakland County
Accident & Exposure Risk
Crash frequency is above the national distribution. Fatality severity is below the national distribution. Traffic exposure is near the national midpoint.
Weather & Environmental Risk
Severe weather exposure is above the national distribution based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are above 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 above the national distribution.
Market Structure Context
Rate filing cadence and market concentration context for pricing power.
Live traffic context
Local incident feeds for Oakland 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
100
Feeds monitored: 1. Source: State DOT 511 incident feeds + TomTom traffic incidents (third-party).
Top incident types
Risk spotlight
Cost Pressure & Repair Economics in Oakland County
We highlight the highest-pressure risk signal in Oakland Countyand show the public inputs that drive the score.
100
/ 100
Repair cost levels are above the national distribution, with inflation pressure above the national distribution.
Repair cost level
Baseline repair cost levels using CPI index levels, regional price parity, and repair wage benchmarks.
Sources: BLS CPI (auto repair), BEA RPP, BLS OEWS wages
Repair cost inflation
Year-over-year repair inflation with local labor cost multipliers.
Sources: BLS CPI (auto repair), Industry repair indices
Vehicle mix risk
Luxury and EV share with repair cost modifiers.
Sources: State vehicle registration summaries
Premium pressure context
How premiums compare with risk in Oakland County
County premium data is limited, so we use statewide NAIC average premiums for context. This does not represent a quote or a recommendation.
78
/ 100
Statewide average premium: $1,572
Premium pressure is roughly aligned with the current risk baseline.
County context
What will be explained for Oakland County
AutoRiskIQ surfaces the most influential signals behind the score, explains changes from prior periods, and compares Oakland County to state and national benchmarks.
Leading signals
Cost & Repair Pressure
Repair cost levels are above the national distribution, with inflation pressure above the national distribution.
Weather & Environmental Risk
Severe weather exposure is above the national distribution based on FEMA hazard signals.
Theft & Fraud Exposure
Vehicle theft rates are above the national distribution.