Protection Atlas · State Profile
Hawaii Protection Profile
Hawaii ranks #17 of 51 on the Atlas composite. State cost index runs 0.73× the national midpoint, risk-event frequency sits at 38/100, and consumer-protection strength scores 64/100.
Resilience
77
/ 100
Financial Safety
94
/ 100
Protection
85
/ 100
Preparedness
72
/ 100
Retirement
76
/ 100
Business
87
/ 100
State profile
- Auto avg: $1,306 · Home avg: $1,140 · Term avg: $245
- Min liability: 20/40/10 · No-fault: Yes · UM required: No
- SR-22 fee: $0 · Cost index: 0.73 · Friendliness: 100/100
Protection challenges
- No-fault auto framework affects claim and recovery dynamics
Major risk factors
- River-flooding exposure outside the floodplain
- Tornado exposure in southern interior areas
Family security insights
In Hawaii, family protection planning is shaped by no-fault auto rules, optional uninsured-motorist coverage, and a state cost index of 0.73× the national midpoint. Term-life pricing tracks a 1.02× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Hawaii is supported by a consumer-protection score of 64/100 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
Hawaii households face a varied preparedness profile. Documentation, recovery liquidity, and annual coverage re-rating drive outcomes.