Risk Scores
State and lane-level risk assessment powered by crash data, safety violations, and inspection analytics
How Risk Scores Work
Each score (0–100) combines crash frequency (50% weight), fatal crash severity (30%), and safety violations & OOS rates (20%). Data is sourced from NHTSA crash records and FMCSA inspection databases, normalized per-state by truck traffic volume. Higher scores mean higher risk exposure for carriers operating in that area.
Risk Distribution
State Risk Scores(50)
| Lane | Score | Trend | Risk Level |
|---|---|---|---|
Los Angeles, CADallas, TX | 74 | 3.8% | High |
Dallas, TXLos Angeles, CA | 72 | 4.1% | High |
Chicago, ILLos Angeles, CA | 71 | 2.2% | High |
Houston, TXMiami, FL | 69 | 4.8% | High |
Chicago, ILAtlanta, GA | 68 | 2.4% | High |
Laredo, TXDallas, TX | 65 | 5.6% | High |
Memphis, TNDallas, TX | 63 | 3.2% | High |
Atlanta, GAPhiladelphia, PA | 61 | 1.8% | High |
Elizabeth, NJChicago, IL | 58 | 1.2% | Medium-High |
Columbus, OHChicago, IL | 56 | 1.4% | Medium-High |
Seattle, WALos Angeles, CA | 52 | 0.8% | Medium-High |
Nashville, TNLouisville, KY | 44 | 0.6% | Medium |
Insurance Exposure Insight
States and lanes with scores above 60 typically see 15–25% higher insurance premiums for cargo and liability coverage. Carriers operating primarily in Critical-risk states (TX, CA) should expect elevated underwriting scrutiny and may benefit from enhanced safety programs to offset premium increases.
Data: NHTSA FARS & GES + FMCSA MCMIS + USDOT Census • Scores recalculated weekly