Protection Atlas · State Profile
Kentucky Protection Profile
Kentucky ranks #25 of 51 on the Atlas composite. State cost index runs 0.97× the national midpoint, risk-event frequency sits at 58/100, and consumer-protection strength scores 80/100.
Resilience
77
/ 100
Financial Safety
91
/ 100
Protection
86
/ 100
Preparedness
65
/ 100
Retirement
75
/ 100
Business
91
/ 100
State profile
- Auto avg: $1,843 · Home avg: $1,407 · Term avg: $242
- Min liability: 25/50/25 · No-fault: Yes · UM required: No
- SR-22 fee: $25 · Cost index: 0.97 · Friendliness: 100/100
Protection challenges
- 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
Family security insights
In Kentucky, family protection planning is shaped by no-fault auto rules, optional uninsured-motorist coverage, and a state cost index of 0.97× the national midpoint. Term-life pricing tracks a 1.01× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Kentucky is supported by a consumer-protection score of 80/100 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
Kentucky households need shelter access and structured photo/video documentation. Hail and convective-wind deductibles are now the dominant economic factor.