Protection Atlas · State Profile
Maryland Protection Profile
Maryland ranks #32 of 51 on the Atlas composite. State cost index runs 0.91× the national midpoint, risk-event frequency sits at 58/100, and consumer-protection strength scores 64/100.
Resilience
68
/ 100
Financial Safety
90
/ 100
Protection
81
/ 100
Preparedness
69
/ 100
Retirement
70
/ 100
Business
84
/ 100
State profile
- Auto avg: $1,798 · Home avg: $1,217 · Term avg: $242
- Min liability: 30/60/15 · No-fault: No · UM required: Yes
- SR-22 fee: $25 · Cost index: 0.91 · Friendliness: 98/100
Protection challenges
- Steady cost and risk profile — discipline rather than crisis-response posture
Major risk factors
- Nor'easter and coastal flooding exposure
- Dense liability environment
Family security insights
In Maryland, family protection planning is shaped by tort-based auto rules, mandatory uninsured-motorist coverage, and a state cost index of 0.91× the national midpoint. Term-life pricing tracks a 1.01× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Maryland is supported by a consumer-protection score of 64/100 and a friendliness composite of 98/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
Maryland households face nor'easter and coastal flooding exposure with dense liability environments. ALE adequacy and umbrella discipline matter more than median.