InsuranceQuoteToolkit

Rankings Center 2.0

Best States for Financial Safety

State-level financial safety blends regional cost burden, claim frequency, and consumer-protection strength into a single resilience-of-household-finance metric.

Ranking (Financial Safety Score)

  1. 1.Vermont99
  2. 2.Maine98
  3. 3.New Hampshire98
  4. 4.Idaho97
  5. 5.Iowa96
  6. 6.Indiana95
  7. 7.North Dakota95
  8. 8.Ohio95
  9. 9.Wisconsin95
  10. 10.Alaska94
  11. 11.Hawaii94
  12. 12.Minnesota94
  13. 13.Montana94
  14. 14.North Carolina94
  15. 15.Oregon94
  16. 16.South Dakota94
  17. 17.Utah94
  18. 18.Virginia94
  19. 19.Washington94
  20. 20.Wyoming94
  21. 21.Alabama93
  22. 22.Illinois93
  23. 23.Massachusetts93
  24. 24.Pennsylvania93
  25. 25.Tennessee93
  26. 26.West Virginia93
  27. 27.Delaware92
  28. 28.Arizona91
  29. 29.Connecticut91
  30. 30.Kentucky91
  31. 31.Colorado90
  32. 32.Maryland90
  33. 33.New Jersey89
  34. 34.New Mexico89
  35. 35.District of Columbia88
  36. 36.Georgia87
  37. 37.Arkansas86
  38. 38.Mississippi86
  39. 39.Nebraska86
  40. 40.Missouri85
  41. 41.South Carolina85
  42. 42.Nevada84
  43. 43.Rhode Island83
  44. 44.New York77
  45. 45.California74
  46. 46.Kansas72
  47. 47.Michigan70
  48. 48.Texas66
  49. 49.Florida63
  50. 50.Oklahoma61
  51. 51.Louisiana59

Methodology

  • Composite of state cost index, friendliness composite, and risk-event frequency
  • Friendliness composite derives from cost, risk, and consumer protection
  • Personal household decisions are excluded — this is the state environment
  • Methodology re-validated annually

Key findings

  • Low-cost, low-risk states dominate the top quartile
  • Financial-safety friction is concentrated in high-cost coastal markets
  • Consumer-protection strength provides a structural lift across cost basis
  • Bottom-quartile states require deeper household-side compensating action

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