Protection Atlas · State Profile
New Jersey Protection Profile
New Jersey ranks #26 of 51 on the Atlas composite. State cost index runs 0.97× the national midpoint, risk-event frequency sits at 63/100, and consumer-protection strength scores 78/100.
Resilience
74
/ 100
Financial Safety
89
/ 100
Protection
85
/ 100
Preparedness
72
/ 100
Retirement
74
/ 100
Business
89
/ 100
State profile
- Auto avg: $1,902 · Home avg: $1,331 · Term avg: $242
- Min liability: 15/30/5 · No-fault: Yes · UM required: Yes
- SR-22 fee: $0 · Cost index: 0.97 · Friendliness: 98/100
Protection challenges
- No-fault auto framework affects claim and recovery dynamics
Major risk factors
- Nor'easter and coastal flooding exposure
- Dense liability environment
Family security insights
In New Jersey, 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 1.01× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in New Jersey is supported by a consumer-protection score of 78/100 and a friendliness composite of 98/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
New Jersey households face nor'easter and coastal flooding exposure with dense liability environments. ALE adequacy and umbrella discipline matter more than median.