Protection Atlas · State Profile
Utah Protection Profile
Utah ranks #22 of 51 on the Atlas composite. State cost index runs 0.69× the national midpoint, risk-event frequency sits at 38/100, and consumer-protection strength scores 68/100.
Resilience
81
/ 100
Financial Safety
94
/ 100
Protection
86
/ 100
Preparedness
66
/ 100
Retirement
79
/ 100
Business
88
/ 100
State profile
- Auto avg: $1,395 · Home avg: $870 · Term avg: $233
- Min liability: 25/65/15 · No-fault: Yes · UM required: No
- SR-22 fee: $25 · Cost index: 0.69 · Friendliness: 100/100
Protection challenges
- No-fault auto framework affects claim and recovery dynamics
- WUI exposure is reshaping availability and pricing
Major risk factors
- Wildfire / WUI exposure
- Earthquake exposure varying by sub-region
Family security insights
In Utah, family protection planning is shaped by no-fault auto rules, optional uninsured-motorist coverage, and a state cost index of 0.69× the national midpoint. Term-life pricing tracks a 0.97× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in Utah is supported by a consumer-protection score of 68/100 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
Utah households should treat wildfire season as a planning horizon — defensible space, hardened structures, and documentation completed before fire season are decisive.