State risk profile
Oklahoma
AutoRiskIQ explains the location-level forces that influence auto insurance pressure across Oklahoma. Scores are informational and focus on relative risk, not individual outcomes.
Score status
56
/ 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 Oklahoma
Accident & Exposure Risk
Crash frequency is below the national distribution. Fatality severity is above the national distribution. Traffic exposure is below the national distribution.
Weather & Environmental Risk
Severe weather exposure is above 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 above the national distribution, litigation environment is below the national distribution.
Theft & Fraud Exposure
Vehicle theft rates are 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.
Live traffic context
Active incident feeds in Oklahoma
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
Market Structure Context in Oklahoma
We highlight the highest-pressure risk signal in Oklahoma and show the public inputs that drive the score.
74
/ 100
Market structure signals show rate filing activity is above the national distribution, market concentration is near the national midpoint.
Rate filing frequency
Auto filing volume per carrier and filing cadence.
Sources: SERFF
Market concentration
HHI concentration score and top-five share.
Sources: NAIC market share data
Premium pressure context
How premiums compare with risk in Oklahoma
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.
62
/ 100
Average combined premium: $1,325
Premium pressure is roughly aligned with the current risk baseline.
State context
Data-backed context for Oklahoma
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
Market Structure Context
Market structure signals show rate filing activity is above the national distribution, market concentration is near the national midpoint.
Weather & Environmental Risk
Severe weather exposure is above the national distribution based on FEMA hazard signals.
Theft & Fraud Exposure
Vehicle theft rates are near the national midpoint.