Protection Atlas · State Profile
Tennessee Protection Profile
Tennessee ranks #21 of 51 on the Atlas composite. State cost index runs 0.91× the national midpoint, risk-event frequency sits at 50/100, and consumer-protection strength scores 76/100.
Resilience
78
/ 100
Financial Safety
93
/ 100
Protection
87
/ 100
Preparedness
65
/ 100
Retirement
76
/ 100
Business
90
/ 100
State profile
- Auto avg: $1,429 · Home avg: $1,772 · Term avg: $242
- Min liability: 25/50/15 · No-fault: No · UM required: No
- SR-22 fee: $25 · Cost index: 0.91 · Friendliness: 100/100
Protection challenges
- Severe-convective-storm losses drive higher hail/wind deductibles
Major risk factors
- Tornado and severe-convective-storm exposure
- Hail-driven property loss frequency
Family security insights
In Tennessee, 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 1.01× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Tennessee is supported by a consumer-protection score of 76/100 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
Tennessee households need shelter access and structured photo/video documentation. Hail and convective-wind deductibles are now the dominant economic factor.