autoplot.rating_table: Compare fitted risk-factor effects graphically

In insurancerating: Actuarial Tools for Insurance Pricing Models

Compare fitted risk-factor effects graphically

Description

Plot the coefficients or relativities stored in a rating_table() object by risk factor. Multiple fitted models can be compared, exposure can be shown as background bars, and observed portfolio experience attached with add_portfolio_experience() can be added as a separate line.

Usage

## S3 method for class 'rating_table'
autoplot(
  object,
  risk_factors = NULL,
  metric = NULL,
  ncol = 1,
  legend_position = c("auto", "right", "bottom", "top", "left", "none"),
  show_exposure_labels = TRUE,
  decimal_mark = ",",
  y_label = "Relativity",
  bar_fill = NULL,
  model_color = NULL,
  use_linetype = FALSE,
  abbreviate_labels = TRUE,
  label_width = 20,
  label_abbreviations = NULL,
  rotate_angle = NULL,
  custom_theme = NULL,
  remove_underscores = FALSE,
  labels = NULL,
  dec.mark = NULL,
  ylab = NULL,
  fill = NULL,
  color = NULL,
  linetype = NULL,
  ...
)

Arguments

object	A "rating_table" object returned by rating_table().
risk_factors	Optional character vector specifying the risk factors to plot. If NULL, all available risk factors are shown.
metric	Optional character string. Observed-experience metric to plot when observed experience has been attached with add_portfolio_experience(). Common choices are "frequency", "severity"/"average_severity" and "risk_premium".
ncol	Positive integer specifying the number of columns in the patchwork layout.
legend_position	Character string specifying the legend position. The default, "auto", hides the legend when only one fitted model is shown and no observed-experience line is present. It places the legend on the right when multiple fitted models or an observed-experience comparison are shown. Use "right", "bottom", "top", "left" or "none" to override this behaviour.
show_exposure_labels	Logical. If TRUE, print exposure values on the background bars.
decimal_mark	Character string, either "," or ".", controlling number labels.
y_label	Character string for the primary y-axis.
bar_fill	Optional colour for exposure bars. If NULL, the package palette is used.
model_color	Optional single colour overriding the model-line palette.
use_linetype	Logical. If TRUE, distinguish fitted models by line type as well as colour.
abbreviate_labels	Logical. If TRUE, long risk-factor level labels are shortened to label_width characters. A shortened label ends in one period; for example, "Bouwnijverheid" becomes "Bouwn." when label_width = 6. Only the displayed axis labels are changed.
label_width	Positive whole number of at least 2. Maximum number of characters in automatically shortened level labels.
label_abbreviations	Optional named character vector with explicit display labels, for example c("Bouwnijverheid" = "Bouwn.", "Onroerend goed" = "Onr. goed"). Explicit labels take precedence over automatic shortening.
rotate_angle	Optional numeric angle for risk-factor level labels.
custom_theme	Optional named list passed to ggplot2::theme().
remove_underscores	Logical. If TRUE, replace underscores with spaces in risk-factor axis labels.
labels	Deprecated alias for show_exposure_labels.
dec.mark	Deprecated alias for decimal_mark.
ylab	Deprecated alias for y_label.
fill	Deprecated alias for bar_fill.
color	Deprecated alias for model_color.
linetype	Deprecated alias for use_linetype.
...	Additional arguments reserved for method compatibility.

Details

Plot contents

One panel is produced for each selected risk factor. Model effects use the primary y-axis. When exposure is available, bars are rescaled to the plotting range and the original exposure scale is shown on the secondary y-axis. Panel and level order follow the input rating_table() object. This keeps the reference level and any explicit actuarial review order consistent between the data frame, as_gt() and the plot.

Observed experience is plotted only after it has been attached with add_portfolio_experience(). The selected metric is converted to the relative scale recorded in that object, using either the model reference level or the portfolio mean.

Actuarial interpretation

The plot supports comparison of fitted tariff effects, portfolio volume and unadjusted observed experience. Differences between the observed and modelled lines may indicate portfolio-mix effects, sparse levels, model smoothing or genuine lack of fit. The chart does not separate these explanations and should be reviewed together with claim counts, residual diagnostics and stability across periods.

When models are compared, the analyst should ensure that response definitions, link functions and relativity scales are sufficiently comparable. Exposure bars provide volume context but are not confidence intervals.

Value

A patchwork object containing one ggplot2 panel per selected risk factor.

Author(s)

Martin Haringa

See Also

rating_table(), add_portfolio_experience(), factor_analysis(), as_gt.rating_table()

Examples

portfolio <- MTPL
portfolio$zip <- as.factor(portfolio$zip)

frequency <- glm(
  nclaims ~ bm + zip + offset(log(exposure)),
  family = poisson(),
  data = portfolio
)

effects <- rating_table(
  frequency,
  model_data = portfolio,
  exposure = "exposure"
)

autoplot(effects, risk_factors = "zip", show_exposure_labels = FALSE)

insurancerating documentation built on Sept. 1, 2026, 5:08 p.m.