InsuranceQuoteToolkit

Rankings Center 2.0

Best States for Family Security

Where U.S. families face the strongest protective regulatory and cost environment for life, disability, auto, and homeowners coverage.

Ranking (Protection Score)

  1. 1.Idaho94
  2. 2.New Hampshire93
  3. 3.Vermont93
  4. 4.Maine91
  5. 5.Indiana90
  6. 6.Iowa90
  7. 7.Ohio90
  8. 8.Alaska89
  9. 9.South Dakota89
  10. 10.Virginia89
  11. 11.Washington89
  12. 12.Wisconsin89
  13. 13.Massachusetts88
  14. 14.Montana88
  15. 15.Alabama87
  16. 16.North Dakota87
  17. 17.Oregon87
  18. 18.Tennessee87
  19. 19.West Virginia87
  20. 20.Kentucky86
  21. 21.Utah86
  22. 22.Connecticut85
  23. 23.Hawaii85
  24. 24.Illinois85
  25. 25.New Jersey85
  26. 26.North Carolina85
  27. 27.Delaware84
  28. 28.Nebraska84
  29. 29.Colorado83
  30. 30.Minnesota83
  31. 31.Nevada83
  32. 32.Wyoming83
  33. 33.Mississippi82
  34. 34.Pennsylvania82
  35. 35.South Carolina82
  36. 36.Arkansas81
  37. 37.District of Columbia81
  38. 38.Georgia81
  39. 39.Maryland81
  40. 40.Missouri81
  41. 41.Arizona80
  42. 42.New Mexico80
  43. 43.Texas80
  44. 44.Kansas79
  45. 45.Michigan79
  46. 46.Rhode Island79
  47. 47.Louisiana77
  48. 48.New York77
  49. 49.California75
  50. 50.Florida75
  51. 51.Oklahoma75

Methodology

  • Weighted blend of consumer-protection strength and risk-event frequency
  • Reflects regulatory framework and mandated coverages
  • Excludes household-level coverage choices
  • Annual refresh with NAIC market reports

Key findings

  • Family-security leaders combine moderate cost with strong consumer protection
  • No-fault and mandatory UM/UIM states show distinct dynamics
  • Term-life pricing varies materially by region
  • Top-quartile and bottom-quartile gap is structural, not transient

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