Protection Atlas · State Profile
Massachusetts Protection Profile
Massachusetts ranks #11 of 51 on the Atlas composite. State cost index runs 0.95× the national midpoint, risk-event frequency sits at 50/100, and consumer-protection strength scores 80/100.
Resilience
79
/ 100
Financial Safety
93
/ 100
Protection
88
/ 100
Preparedness
75
/ 100
Retirement
77
/ 100
Business
92
/ 100
State profile
- Auto avg: $1,561 · Home avg: $1,735 · Term avg: $240
- Min liability: 20/40/5 · No-fault: Yes · UM required: Yes
- SR-22 fee: $0 · Cost index: 0.95 · Friendliness: 100/100
Protection challenges
- No-fault auto framework affects claim and recovery dynamics
Major risk factors
- Nor'easter and coastal flooding exposure
- Dense liability environment
Family security insights
In Massachusetts, family protection planning is shaped by no-fault auto rules, mandatory uninsured-motorist coverage, and a state cost index of 0.95× the national midpoint. Term-life pricing tracks a 1.00× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Massachusetts 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
Massachusetts households face nor'easter and coastal flooding exposure with dense liability environments. ALE adequacy and umbrella discipline matter more than median.