County risk profile
Wells County, North Dakota
AutoRiskIQ explains the forces that shape auto insurance pressure in Wells County. Scores are informational and describe location trends, not individual outcomes.
Score status
36
/ 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 Wells County
Accident & Exposure Risk
Crash frequency is below the national distribution. Fatality severity is near the national midpoint. Traffic exposure is below the national distribution.
Weather & Environmental Risk
Severe weather exposure is near the national midpoint 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 near the national midpoint.
Market Structure Context
Rate filing cadence and market concentration context for pricing power.
Live traffic context
Local incident feeds for Wells 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
0
Feeds monitored: 1. Source: State DOT 511 incident feeds + TomTom traffic incidents (third-party).
Top incident types
No incidents reported.
Risk spotlight
Theft & Fraud Exposure in Wells County
We highlight the highest-pressure risk signal in Wells Countyand show the public inputs that drive the score.
55
/ 100
Vehicle theft rates are near the national midpoint.
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 Wells County
County premium data is limited, so we use statewide NAIC average premiums for context. This does not represent a quote or a recommendation.
4
/ 100
Statewide average premium: $961
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 Wells County
AutoRiskIQ surfaces the most influential signals behind the score, explains changes from prior periods, and compares Wells County to state and national benchmarks.
Leading signals
Theft & Fraud Exposure
Vehicle theft rates are near the national midpoint.
Weather & Environmental Risk
Severe weather exposure is near the national midpoint based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are below the national distribution, with inflation pressure above the national distribution.