Protection Atlas · State Profile
Delaware Protection Profile
Delaware ranks #24 of 51 on the Atlas composite. State cost index runs 0.86× the national midpoint, risk-event frequency sits at 55/100, and consumer-protection strength scores 70/100.
Resilience
74
/ 100
Financial Safety
92
/ 100
Protection
84
/ 100
Preparedness
71
/ 100
Retirement
74
/ 100
Business
88
/ 100
State profile
- Auto avg: $1,828 · Home avg: $967 · Term avg: $240
- Min liability: 25/50/10 · No-fault: No · UM required: No
- SR-22 fee: $30 · Cost index: 0.86 · Friendliness: 100/100
Protection challenges
- Steady cost and risk profile — discipline rather than crisis-response posture
Major risk factors
- Nor'easter and coastal flooding exposure
- Dense liability environment
Family security insights
In Delaware, family protection planning is shaped by tort-based auto rules, optional uninsured-motorist coverage, and a state cost index of 0.86× the national midpoint. Term-life pricing tracks a 1.00× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Delaware is supported by a consumer-protection score of 70/100 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
Delaware households face nor'easter and coastal flooding exposure with dense liability environments. ALE adequacy and umbrella discipline matter more than median.