Protection Atlas · State Profile
New Mexico Protection Profile
New Mexico ranks #40 of 51 on the Atlas composite. State cost index runs 0.91× the national midpoint, risk-event frequency sits at 58/100, and consumer-protection strength scores 62/100.
Resilience
67
/ 100
Financial Safety
89
/ 100
Protection
80
/ 100
Preparedness
60
/ 100
Retirement
69
/ 100
Business
82
/ 100
State profile
- Auto avg: $1,685 · Home avg: $1,404 · Term avg: $245
- Min liability: 25/50/10 · No-fault: No · UM required: No
- SR-22 fee: $25 · Cost index: 0.91 · Friendliness: 97/100
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 New Mexico, family protection planning is shaped by tort-based auto rules, optional uninsured-motorist coverage, and a state cost index of 0.91× the national midpoint. Term-life pricing tracks a 1.02× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in New Mexico is supported by a consumer-protection score of 62/100 and a friendliness composite of 97/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
New Mexico households should treat wildfire season as a planning horizon — defensible space, hardened structures, and documentation completed before fire season are decisive.