Protection Atlas · State Profile
Rhode Island Protection Profile
Rhode Island ranks #43 of 51 on the Atlas composite. State cost index runs 1.06× the national midpoint, risk-event frequency sits at 63/100, and consumer-protection strength scores 62/100.
Resilience
63
/ 100
Financial Safety
83
/ 100
Protection
79
/ 100
Preparedness
67
/ 100
Retirement
66
/ 100
Business
78
/ 100
State profile
- Auto avg: $2,018 · Home avg: $1,535 · Term avg: $242
- Min liability: 25/50/25 · No-fault: No · UM required: No
- SR-22 fee: $25 · Cost index: 1.06 · Friendliness: 91/100
Protection challenges
- Steady cost and risk profile — discipline rather than crisis-response posture
Major risk factors
- Nor'easter and coastal flooding exposure
- Dense liability environment
Family security insights
In Rhode Island, family protection planning is shaped by tort-based auto rules, optional uninsured-motorist coverage, and a state cost index of 1.06× the national midpoint. Term-life pricing tracks a 1.01× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Rhode Island is supported by a consumer-protection score of 62/100 and a friendliness composite of 91/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
Rhode Island households face nor'easter and coastal flooding exposure with dense liability environments. ALE adequacy and umbrella discipline matter more than median.