note

the long lines are quite unreadable. Use PerlTidy to clean up your source:

use Data::Dumper;
use strict;
use warnings;

sub risk_eval {
    return {
        'age_22'     => 2,
        'violations' => '1',
        'age_18'     => 2,
        'dui'        => '0',
        'insured'    => '1',
        'major'      => 0,
        'tickets'    => 0
        };
}

sub _build_risk_type {
    my ($self) = @_;

    my $E = risk_eval;
    my %E = %$E;

    warn ('risk criteria - ' . Data::Dumper::Dumper (\%E));

           $E{age22}
        && $E{insured}
        && !$E{sr22}
        && !$E{dui}
        && ($E{tickets} <= 1)
        && !$E{major}
        and return 'prem';

    $E{age18} && $E{insured} && !$E{sr22} && !$E{dui} && $E{tickets} <
+= 3
        and return 'std';
    $E{age18} and return 'substd';

    die 'No useable risk type found.';
}

_build_risk_type;
[download]

Oh, and making the return explicit in risk_eval doesn't hurt readability either.