Protection Atlas · State Profile
Missouri Protection Profile
Missouri ranks #42 of 51 on the Atlas composite. State cost index runs 1.10× the national midpoint, risk-event frequency sits at 58/100, and consumer-protection strength scores 64/100.
Resilience
64
/ 100
Financial Safety
85
/ 100
Protection
81
/ 100
Preparedness
60
/ 100
Retirement
67
/ 100
Business
80
/ 100
State profile
- Auto avg: $1,820 · Home avg: $1,992 · Term avg: $240
- Min liability: 25/50/25 · No-fault: No · UM required: Yes
- SR-22 fee: $25 · Cost index: 1.10 · Friendliness: 92/100
Protection challenges
- Severe-convective-storm losses drive higher hail/wind deductibles
Major risk factors
- Tornado and severe-convective-storm exposure
- Hail-driven property loss frequency
Family security insights
In Missouri, family protection planning is shaped by tort-based auto rules, mandatory uninsured-motorist coverage, and a state cost index of 1.10× the national midpoint. Term-life pricing tracks a 1.00× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Missouri is supported by a consumer-protection score of 64/100 and a friendliness composite of 92/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
Missouri households need shelter access and structured photo/video documentation. Hail and convective-wind deductibles are now the dominant economic factor.