Protection Atlas · State Profile
Alaska Protection Profile
Alaska ranks #7 of 51 on the Atlas composite. State cost index runs 0.72× the national midpoint, risk-event frequency sits at 38/100, and consumer-protection strength scores 76/100.
Resilience
85
/ 100
Financial Safety
94
/ 100
Protection
89
/ 100
Preparedness
72
/ 100
Retirement
81
/ 100
Business
92
/ 100
State profile
- Auto avg: $1,357 · Home avg: $1,024 · Term avg: $245
- Min liability: 50/100/25 · No-fault: No · UM required: No
- SR-22 fee: $25 · Cost index: 0.72 · Friendliness: 100/100
Protection challenges
- Winter peril concentration affects property and life logistics
Major risk factors
- Winter storm and ice-dam exposure
- Power-loss durations exceed national average
Family security insights
In Alaska, family protection planning is shaped by tort-based auto rules, optional uninsured-motorist coverage, and a state cost index of 0.72× the national midpoint. Term-life pricing tracks a 1.02× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Alaska is supported by a consumer-protection score of 76/100 and a friendliness composite of 100/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
Alaska households face extended-outage and frozen-pipe exposure. Generator + interlock and pre-winter inspections are foundational.