County risk profile
Gray County, Texas
AutoRiskIQ explains the forces that shape auto insurance pressure in Gray County. Scores are informational and describe location trends, not individual outcomes.
Score status
54
/ 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 Gray County
Accident & Exposure Risk
Crash frequency is near the national midpoint. 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 above the national distribution, 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 near the national midpoint.
Market Structure Context
Rate filing cadence and market concentration context for pricing power.
Live traffic context
Local incident feeds for Gray 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.
Risk spotlight
Cost Pressure & Repair Economics in Gray County
We highlight the highest-pressure risk signal in Gray Countyand show the public inputs that drive the score.
74
/ 100
Repair cost levels are above the national distribution, with inflation pressure near the national midpoint.
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 Gray County
County premium data is limited, so we use statewide NAIC average premiums for context. This does not represent a quote or a recommendation.
90
/ 100
Statewide average premium: $1,727
Premium pressure sits above the current risk baseline, which can reflect market, regulatory, 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 Gray County
AutoRiskIQ surfaces the most influential signals behind the score, explains changes from prior periods, and compares Gray County to state and national benchmarks.
Leading signals
Cost & Repair Pressure
Repair cost levels are above the national distribution, with inflation pressure near the national midpoint.
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.