Protection Atlas · State Profile
Maine Protection Profile
Maine ranks #5 of 51 on the Atlas composite. State cost index runs 0.64× the national midpoint, risk-event frequency sits at 13/100, and consumer-protection strength scores 66/100.
Resilience
87
/ 100
Financial Safety
98
/ 100
Protection
91
/ 100
Preparedness
73
/ 100
Retirement
82
/ 100
Business
90
/ 100
State profile
- Auto avg: $1,116 · Home avg: $1,029 · Term avg: $233
- Min liability: 50/100/25 · No-fault: No · UM required: Yes
- SR-22 fee: $0 · Cost index: 0.64 · Friendliness: 100/100
Protection challenges
- Winter peril concentration affects property and life logistics
Major risk factors
- Winter storm and ice-dam exposure
- Power-loss durations exceed national average
Family security insights
In Maine, family protection planning is shaped by tort-based auto rules, mandatory uninsured-motorist coverage, and a state cost index of 0.64× the national midpoint. Term-life pricing tracks a 0.97× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Maine is supported by a consumer-protection score of 66/100 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
Maine households face extended-outage and frozen-pipe exposure. Generator + interlock and pre-winter inspections are foundational.