Protection Atlas · State Profile
Nevada Protection Profile
Nevada ranks #33 of 51 on the Atlas composite. State cost index runs 0.96× the national midpoint, risk-event frequency sits at 75/100, and consumer-protection strength scores 80/100.
Resilience
73
/ 100
Financial Safety
84
/ 100
Protection
83
/ 100
Preparedness
63
/ 100
Retirement
73
/ 100
Business
86
/ 100
State profile
- Auto avg: $2,168 · Home avg: $928 · Term avg: $242
- Min liability: 25/50/20 · No-fault: No · UM required: No
- SR-22 fee: $0 · Cost index: 0.96 · Friendliness: 94/100
Protection challenges
- Risk-event frequency sits in the top quartile (75/100)
- WUI exposure is reshaping availability and pricing
Major risk factors
- Wildfire / WUI exposure
- Earthquake exposure varying by sub-region
- Claim-frequency index sits in the top decile
Family security insights
In Nevada, 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 1.01× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Nevada is supported by a consumer-protection score of 80/100 and a friendliness composite of 94/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
Nevada households should treat wildfire season as a planning horizon — defensible space, hardened structures, and documentation completed before fire season are decisive.