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Location risk scoring for roads

Leverage the industry's richest road network data to predict auto risk, traffic volume, and underwriting performance—delivered as a simple, actionable 0–100 score.

USA roads network showing junction complexity scoring
Insurers
Fleets
Cities
Consultancies

Transform your insurance operations

Sharper Risk Selection

Extra, independent signal that separates look-alike addresses—credit simpler tiles, surcharge complex junction clusters.

Fix Territory Relativity

Fill sparse areas and smooth noisy experience; better geo relativities without overfitting to a few bad years.

Portfolio Sweep in Days

Scan the in-force book to surface mispriced pockets, high-leakage routes, and inspection targets.

Cold-Start Friendly

Works on new business and new geos—no need to wait for your own loss history.

Regulator-Safe Story

Interpretable 0–100 score tied to road layout—not demographics or personal data.

Monitors Change

Catch emerging risk as cities add lanes, signals, roundabouts, or turn restrictions.

San Francisco cityscape showing urban complexity and junction patterns

Improve risk selection with precision scoring

One map, one score. Flag addresses near complex junction clusters for extra review; credit simpler layouts to stay competitive.

Transform your insurance operations

1
Enhanced Risk Selection

Make more informed underwriting decisions with precise location-based risk assessment.

2
Increased Premium Capture

Optimize pricing strategies to capture appropriate premiums for risk exposure.

3
Lower Loss Ratios

Reduce claims frequency and severity through better risk segmentation.

4
Improved Customer Experience

Decrease time to quote and bind with faster, more accurate risk assessment.

Simple API access

Drop our 0–100 road risk score into rating, underwriting, or routing. Nationwide coverage, monthly refresh.

Vectorio scoring API request example

Security & privacy

  • Privacy‑first: no personal driver data.
  • Least‑data product: area‑level scoring only.
  • Enterprise: SSO (SAML/OIDC), DPA, and SLA available.
  • SOC 2 program in progress; reports available upon request when completed.
Security overview

Ready to try Vectorio Road Risk?

Book a live walkthrough with our team.