Protection Atlas · State Profile
Pennsylvania Protection Profile
Pennsylvania ranks #28 of 51 on the Atlas composite. State cost index runs 0.82× the national midpoint, risk-event frequency sits at 50/100, and consumer-protection strength scores 64/100.
Resilience
72
/ 100
Financial Safety
93
/ 100
Protection
82
/ 100
Preparedness
70
/ 100
Retirement
73
/ 100
Business
86
/ 100
State profile
- Auto avg: $1,547 · Home avg: $1,192 · Term avg: $240
- Min liability: 15/30/5 · No-fault: Yes · UM required: No
- SR-22 fee: $25 · Cost index: 0.82 · Friendliness: 100/100
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 Pennsylvania, family protection planning is shaped by no-fault auto rules, optional uninsured-motorist coverage, and a state cost index of 0.82× the national midpoint. Term-life pricing tracks a 1.00× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Pennsylvania is supported by a consumer-protection score of 64/100 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
Pennsylvania households face nor'easter and coastal flooding exposure with dense liability environments. ALE adequacy and umbrella discipline matter more than median.