Protection Atlas · State Profile
California Protection Profile
California ranks #47 of 51 on the Atlas composite. State cost index runs 1.01× the national midpoint, risk-event frequency sits at 82/100, and consumer-protection strength scores 60/100.
Resilience
58
/ 100
Financial Safety
74
/ 100
Protection
75
/ 100
Preparedness
55
/ 100
Retirement
63
/ 100
Business
71
/ 100
State profile
- Auto avg: $2,065 · Home avg: $1,284 · Term avg: $252
- Min liability: 15/30/5 · No-fault: No · UM required: No
- SR-22 fee: $30 · Cost index: 1.01 · Friendliness: 84/100
Protection challenges
- Risk-event frequency sits in the top quartile (82/100)
- WUI exposure is reshaping availability and pricing
Major risk factors
- Wildfire / WUI exposure
- Earthquake exposure varying by sub-region
- Claim-frequency index sits in the top decile
Family security insights
In California, family protection planning is shaped by tort-based auto rules, optional uninsured-motorist coverage, and a state cost index of 1.01× the national midpoint. Term-life pricing tracks a 1.05× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in California is supported by a consumer-protection score of 60/100 and a friendliness composite of 84/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
California households should treat wildfire season as a planning horizon — defensible space, hardened structures, and documentation completed before fire season are decisive.