Protection Atlas · State Profile
Colorado Protection Profile
Colorado ranks #35 of 51 on the Atlas composite. State cost index runs 1.07× the national midpoint, risk-event frequency sits at 50/100, and consumer-protection strength scores 66/100.
Resilience
68
/ 100
Financial Safety
90
/ 100
Protection
83
/ 100
Preparedness
63
/ 100
Retirement
69
/ 100
Business
85
/ 100
State profile
- Auto avg: $1,965 · Home avg: $1,659 · Term avg: $238
- Min liability: 25/50/15 · No-fault: No · UM required: No
- SR-22 fee: $25 · Cost index: 1.07 · Friendliness: 97/100
Protection challenges
- WUI exposure is reshaping availability and pricing
Major risk factors
- Wildfire / WUI exposure
- Earthquake exposure varying by sub-region
Family security insights
In Colorado, family protection planning is shaped by tort-based auto rules, optional uninsured-motorist coverage, and a state cost index of 1.07× the national midpoint. Term-life pricing tracks a 0.99× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Colorado is supported by a consumer-protection score of 66/100 and a friendliness composite of 97/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
Colorado households should treat wildfire season as a planning horizon — defensible space, hardened structures, and documentation completed before fire season are decisive.