An approach is provided for determining safety scores for locations, frequency of users traversing the locations, or a combination thereof to calculate fee rates. The approach involves determining at least one safety score associated with one or more locations, at least one user traversing the one or more locations, or a combination thereof. The approach also involves determining at least one frequency of traversal of the at least one location by the at least one user. The approach further involves causing, at least in part, a calculation of at least one fee rate for the at least one user based, at least in part, on the at least one safety score and the at least one frequency of traversal.