Protection Atlas · State Profile
New York Protection Profile
New York ranks #44 of 51 on the Atlas composite. State cost index runs 1.06× the national midpoint, risk-event frequency sits at 75/100, and consumer-protection strength scores 64/100.
Resilience
61
/ 100
Financial Safety
77
/ 100
Protection
77
/ 100
Preparedness
66
/ 100
Retirement
65
/ 100
Business
75
/ 100
State profile
- Auto avg: $2,103 · Home avg: $1,454 · Term avg: $245
- Min liability: 25/50/10 · No-fault: Yes · UM required: Yes
- SR-22 fee: $0 · Cost index: 1.06 · Friendliness: 86/100
Protection challenges
- Risk-event frequency sits in the top quartile (75/100)
- No-fault auto framework affects claim and recovery dynamics
Major risk factors
- Nor'easter and coastal flooding exposure
- Dense liability environment
- Claim-frequency index sits in the top decile
Family security insights
In New York, family protection planning is shaped by no-fault auto rules, mandatory uninsured-motorist coverage, and a state cost index of 1.06× the national midpoint. Term-life pricing tracks a 1.02× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in New York is supported by a consumer-protection score of 64/100 and a friendliness composite of 86/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
New York households face nor'easter and coastal flooding exposure with dense liability environments. ALE adequacy and umbrella discipline matter more than median.