County risk profile
Klamath County, Oregon
AutoRiskIQ explains the forces that shape auto insurance pressure in Klamath County. Scores are informational and describe location trends, not individual outcomes.
Score status
63
/ 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 Klamath County
Accident & Exposure Risk
Crash frequency is near the national midpoint. 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
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 Klamath 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
38
Feeds monitored: 4. Source: State DOT 511 incident feeds + TomTom traffic incidents (third-party).
Top incident types
Risk spotlight
Theft & Fraud Exposure in Klamath County
We highlight the highest-pressure risk signal in Klamath Countyand show the public inputs that drive the score.
96
/ 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 Klamath County
County premium data is limited, so we use statewide NAIC average premiums for context. This does not represent a quote or a recommendation.
48
/ 100
Statewide average premium: $1,268
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 Klamath County
AutoRiskIQ surfaces the most influential signals behind the score, explains changes from prior periods, and compares Klamath 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 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.