Protection Atlas · State Profile
Mississippi Protection Profile
Mississippi ranks #38 of 51 on the Atlas composite. State cost index runs 0.96× the national midpoint, risk-event frequency sits at 68/100, and consumer-protection strength scores 72/100.
Resilience
70
/ 100
Financial Safety
86
/ 100
Protection
82
/ 100
Preparedness
59
/ 100
Retirement
71
/ 100
Business
84
/ 100
State profile
- Auto avg: $1,604 · Home avg: $1,733 · Term avg: $247
- Min liability: 25/50/25 · No-fault: No · UM required: No
- SR-22 fee: $25 · Cost index: 0.96 · Friendliness: 95/100
Protection challenges
- Named-storm and hurricane deductibles materially shift HO economics
Major risk factors
- Hurricane and tropical-storm exposure
- Storm-surge flood exposure inland of the surge zone
Family security insights
In Mississippi, family protection planning is shaped by tort-based auto rules, optional uninsured-motorist coverage, and a state cost index of 0.96× the national midpoint. Term-life pricing tracks a 1.03× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Mississippi is supported by a consumer-protection score of 72/100 and a friendliness composite of 95/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
Mississippi households face hurricane season as the dominant preparedness event. Recovery liquidity, ALE adequacy, and documented evacuation routes drive preparedness outcomes.