County risk profile
Lincoln County, Oklahoma
AutoRiskIQ explains the forces that shape auto insurance pressure in Lincoln County. Scores are informational and describe location trends, not individual outcomes.
Score status
58
/ 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 Lincoln County
Accident & Exposure Risk
Crash frequency is below the national distribution. Fatality severity is above the national distribution. Traffic exposure is above 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 near the national midpoint, with inflation pressure near the national midpoint.
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 Lincoln 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
4
Feeds monitored: 1. Source: State DOT 511 incident feeds + TomTom traffic incidents (third-party).
Top incident types
Risk spotlight
Theft & Fraud Exposure in Lincoln County
We highlight the highest-pressure risk signal in Lincoln Countyand show the public inputs that drive the score.
79
/ 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 Lincoln County
County premium data is limited, so we use statewide NAIC average premiums for context. This does not represent a quote or a recommendation.
62
/ 100
Statewide average premium: $1,325
Premium pressure is roughly aligned with the current risk baseline.
County context
What will be explained for Lincoln County
AutoRiskIQ surfaces the most influential signals behind the score, explains changes from prior periods, and compares Lincoln County to state and national benchmarks.
Leading signals
Theft & Fraud Exposure
Vehicle theft rates are above the national distribution.
Weather & Environmental Risk
Severe weather exposure is near the national midpoint based on FEMA hazard signals.
Accident & Exposure Risk
Crash frequency is below the national distribution. Fatality severity is above the national distribution. Traffic exposure is above the national distribution.