Protection Atlas · State Profile
Michigan Protection Profile
Michigan ranks #45 of 51 on the Atlas composite. State cost index runs 1.21× the national midpoint, risk-event frequency sits at 87/100, and consumer-protection strength scores 74/100.
Resilience
61
/ 100
Financial Safety
70
/ 100
Protection
79
/ 100
Preparedness
63
/ 100
Retirement
64
/ 100
Business
74
/ 100
State profile
- Auto avg: $2,691 · Home avg: $1,252 · Term avg: $245
- Min liability: 50/100/10 · No-fault: Yes · UM required: No
- SR-22 fee: $0 · Cost index: 1.21 · Friendliness: 80/100
Protection challenges
- Premium cost index runs 21% above the national midpoint
- Risk-event frequency sits in the top quartile (87/100)
- No-fault auto framework affects claim and recovery dynamics
- Winter peril concentration affects property and life logistics
Major risk factors
- Winter storm and ice-dam exposure
- Power-loss durations exceed national average
- Claim-frequency index sits in the top decile
Family security insights
In Michigan, family protection planning is shaped by no-fault auto rules, optional uninsured-motorist coverage, and a state cost index of 1.21× the national midpoint. Term-life pricing tracks a 1.02× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Michigan is supported by a consumer-protection score of 74/100 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
Michigan households face extended-outage and frozen-pipe exposure. Generator + interlock and pre-winter inspections are foundational.