Protection Atlas · State Profile
Kansas Protection Profile
Kansas ranks #46 of 51 on the Atlas composite. State cost index runs 1.33× the national midpoint, risk-event frequency sits at 75/100, and consumer-protection strength scores 68/100.
Resilience
57
/ 100
Financial Safety
72
/ 100
Protection
79
/ 100
Preparedness
58
/ 100
Retirement
62
/ 100
Business
73
/ 100
State profile
- Auto avg: $1,644 · Home avg: $3,232 · Term avg: $238
- Min liability: 25/50/25 · No-fault: Yes · UM required: Yes
- SR-22 fee: $25 · Cost index: 1.33 · Friendliness: 80/100
Protection challenges
- Premium cost index runs 33% above the national midpoint
- Risk-event frequency sits in the top quartile (75/100)
- No-fault auto framework affects claim and recovery dynamics
- Severe-convective-storm losses drive higher hail/wind deductibles
Major risk factors
- Tornado and severe-convective-storm exposure
- Hail-driven property loss frequency
- Claim-frequency index sits in the top decile
Family security insights
In Kansas, family protection planning is shaped by no-fault auto rules, mandatory uninsured-motorist coverage, and a state cost index of 1.33× the national midpoint. Term-life pricing tracks a 0.99× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Kansas is supported by a consumer-protection score of 68/100 and a friendliness composite of 80/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
Kansas households need shelter access and structured photo/video documentation. Hail and convective-wind deductibles are now the dominant economic factor.