Protection Atlas · State Profile
Indiana Protection Profile
Indiana ranks #4 of 51 on the Atlas composite. State cost index runs 0.71× the national midpoint, risk-event frequency sits at 33/100, and consumer-protection strength scores 76/100.
Resilience
86
/ 100
Financial Safety
95
/ 100
Protection
90
/ 100
Preparedness
77
/ 100
Retirement
82
/ 100
Business
92
/ 100
State profile
- Auto avg: $1,268 · Home avg: $1,148 · Term avg: $235
- Min liability: 25/50/25 · No-fault: No · UM required: No
- SR-22 fee: $25 · Cost index: 0.71 · Friendliness: 100/100
Protection challenges
- Steady cost and risk profile — discipline rather than crisis-response posture
Major risk factors
- River-flooding exposure outside the floodplain
- Tornado exposure in southern interior areas
Family security insights
In Indiana, family protection planning is shaped by tort-based auto rules, optional uninsured-motorist coverage, and a state cost index of 0.71× the national midpoint. Term-life pricing tracks a 0.98× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Indiana is supported by a consumer-protection score of 76/100 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
Indiana households face a varied preparedness profile. Documentation, recovery liquidity, and annual coverage re-rating drive outcomes.