Michigan vs Mississippi Car Insurance

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

Quick Verdict

More Affordable

Mississippi is $920/yr cheaper on average.

Fewer Uninsured

Michigan has a lower uninsured rate (19.4% vs 22.5%).

Rate & Coverage Comparison

Attribute	Michigan	Mississippi
Avg Annual Premium	$2,700	$1,780
Min Liability	$890	$580
Full Coverage	$2,700	$1,780
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	19.4%	22.5%
Registered Vehicles	8,263,139	2,428,020
Accidents/Year	123,947	36,420
Population	10,077,000	2,961,000

Minimum Coverage Requirements

Michigan

50/100 / 10 liability

Mississippi

25/50 / 25 liability

Premium Comparison

Michigan$890 – $2,700

Liability: $890Avg: $2,700Full: $2,700

Mississippi$580 – $1,780

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

MichiganFull 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, Michigan or Mississippi?

Mississippi has cheaper car insurance, with an average annual premium of $1,780 compared to $2,700 in Michigan - a difference of $920 per year.

How do Michigan and Mississippi compare on fault systems?

Michigan uses a no-fault system while Mississippi uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Michigan vs Mississippi?

Michigan requires 50/100 / 10 liability. Mississippi requires 25/50 / 25 liability. Minimum liability costs $890/yr in Michigan and $580/yr in Mississippi.

Which state has more uninsured drivers, Michigan or Mississippi?

Mississippi has a higher uninsured driver rate at 22.5%, compared to 19.4% in Michigan. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Michigan 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

Michigan

Mississippi

Avg Annual Premium

$2,700

$1,780

Min Liability

$890

$580

Full Coverage

$2,700

$1,780

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

19.4%

22.5%

Registered Vehicles

8,263,139

2,428,020

Accidents/Year

123,947

36,420

Population

10,077,000

2,961,000