Protection Atlas · State Profile
Minnesota Protection Profile
Minnesota ranks #30 of 51 on the Atlas composite. State cost index runs 0.97× the national midpoint, risk-event frequency sits at 43/100, and consumer-protection strength scores 62/100.
Resilience
70
/ 100
Financial Safety
94
/ 100
Protection
83
/ 100
Preparedness
67
/ 100
Retirement
70
/ 100
Business
86
/ 100
State profile
- Auto avg: $1,502 · Home avg: $1,903 · Term avg: $235
- Min liability: 30/60/10 · No-fault: Yes · UM required: Yes
- SR-22 fee: $25 · Cost index: 0.97 · Friendliness: 100/100
Protection challenges
- 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
Family security insights
In Minnesota, family protection planning is shaped by no-fault auto rules, mandatory uninsured-motorist coverage, and a state cost index of 0.97× the national midpoint. Term-life pricing tracks a 0.98× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Minnesota is supported by a consumer-protection score of 62/100 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
Minnesota households face extended-outage and frozen-pipe exposure. Generator + interlock and pre-winter inspections are foundational.