Protection Atlas · State Profile
Montana Protection Profile
Montana ranks #19 of 51 on the Atlas composite. State cost index runs 0.98× the national midpoint, risk-event frequency sits at 38/100, and consumer-protection strength scores 74/100.
Resilience
78
/ 100
Financial Safety
94
/ 100
Protection
88
/ 100
Preparedness
67
/ 100
Retirement
76
/ 100
Business
91
/ 100
State profile
- Auto avg: $1,750 · Home avg: $1,592 · Term avg: $235
- Min liability: 25/50/20 · No-fault: No · UM required: No
- SR-22 fee: $25 · Cost index: 0.98 · Friendliness: 100/100
Protection challenges
- WUI exposure is reshaping availability and pricing
Major risk factors
- Wildfire / WUI exposure
- Earthquake exposure varying by sub-region
Family security insights
In Montana, family protection planning is shaped by tort-based auto rules, optional uninsured-motorist coverage, and a state cost index of 0.98× the national midpoint. Term-life pricing tracks a 0.98× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Montana is supported by a consumer-protection score of 74/100 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
Montana households should treat wildfire season as a planning horizon — defensible space, hardened structures, and documentation completed before fire season are decisive.