Protection Atlas · State Profile
District of Columbia Protection Profile
District of Columbia ranks #31 of 51 on the Atlas composite. State cost index runs 0.90× the national midpoint, risk-event frequency sits at 63/100, and consumer-protection strength scores 66/100.
Resilience
69
/ 100
Financial Safety
88
/ 100
Protection
81
/ 100
Preparedness
68
/ 100
Retirement
70
/ 100
Business
83
/ 100
State profile
- Auto avg: $1,735 · Home avg: $1,280 · Term avg: $245
- Min liability: 25/50/10 · No-fault: No · UM required: Yes
- SR-22 fee: $0 · Cost index: 0.90 · Friendliness: 97/100
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 District of Columbia, family protection planning is shaped by tort-based auto rules, mandatory uninsured-motorist coverage, and a state cost index of 0.90× the national midpoint. Term-life pricing tracks a 1.02× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in District of Columbia 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
District of Columbia households face nor'easter and coastal flooding exposure with dense liability environments. ALE adequacy and umbrella discipline matter more than median.