Maine vs Mississippi Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Maine is $880/yr cheaper on average.

Fewer Uninsured

Maine has a lower uninsured rate (4.5% vs 22.5%).

Rate & Coverage Comparison

Attribute	Maine	Mississippi
Avg Annual Premium	$900	$1,780
Min Liability	$300	$580
Full Coverage	$900	$1,780
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	4.5%	22.5%
Registered Vehicles	1,116,840	2,428,020
Accidents/Year	16,752	36,420
Population	1,362,000	2,961,000

Minimum Coverage Requirements

Maine

50/100 / 25 liability

Mississippi

25/50 / 25 liability

Premium Comparison

Maine$300 – $900

Liability: $300Avg: $900Full: $900

Mississippi$580 – $1,780

Liability: $580Avg: $1,780Full: $1,780

MaineFull rates, age breakdown, requirements →MississippiFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Maine or Mississippi?

Maine has cheaper car insurance, with an average annual premium of $900 compared to $1,780 in Mississippi - a difference of $880 per year.

How do Maine and Mississippi compare on fault systems?

Maine uses a at-fault (tort) system while Mississippi uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Maine vs Mississippi?

Maine requires 50/100 / 25 liability. Mississippi requires 25/50 / 25 liability. Minimum liability costs $300/yr in Maine and $580/yr in Mississippi.

Which state has more uninsured drivers, Maine or Mississippi?

Mississippi has a higher uninsured driver rate at 22.5%, compared to 4.5% in Maine. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Maine vs Mississippi insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Maine

Mississippi

Avg Annual Premium

$900

$1,780

Min Liability

$300

$580

Full Coverage

$900

$1,780

Fault System

At-Fault (Tort)

Uninsured Rate

4.5%

22.5%

Registered Vehicles

1,116,840

2,428,020

Accidents/Year

16,752

36,420

Population

1,362,000

2,961,000