Michigan vs New Hampshire Car Insurance

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

Quick Verdict

More Affordable

New Hampshire is $1,650/yr cheaper on average.

Fewer Uninsured

New Hampshire has a lower uninsured rate (6.1% vs 19.4%).

Rate & Coverage Comparison

Attribute	Michigan	New Hampshire
Avg Annual Premium	$2,700	$1,050
Min Liability	$890	$340
Full Coverage	$2,700	$1,050
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	19.4%	6.1%
Registered Vehicles	8,263,139	1,129,960
Accidents/Year	123,947	16,949
Population	10,077,000	1,378,000

Minimum Coverage Requirements

Michigan

50/100 / 10 liability

New Hampshire

25/50 / 25 liability

Premium Comparison

Michigan$890 – $2,700

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

New Hampshire$340 – $1,050

Liability: $340Avg: $1,050Full: $1,050

MichiganFull rates, age breakdown, requirements →New HampshireFull 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 New Hampshire?

New Hampshire has cheaper car insurance, with an average annual premium of $1,050 compared to $2,700 in Michigan - a difference of $1,650 per year.

How do Michigan and New Hampshire compare on fault systems?

Michigan uses a no-fault system while New Hampshire 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 New Hampshire?

Michigan requires 50/100 / 10 liability. New Hampshire requires 25/50 / 25 liability. Minimum liability costs $890/yr in Michigan and $340/yr in New Hampshire.

Which state has more uninsured drivers, Michigan or New Hampshire?

Michigan has a higher uninsured driver rate at 19.4%, compared to 6.1% in New Hampshire. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Michigan vs New Hampshire 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

New Hampshire

Avg Annual Premium

$2,700

$1,050

Min Liability

$890

$340

Full Coverage

$2,700

$1,050

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

19.4%

6.1%

Registered Vehicles

8,263,139

1,129,960

Accidents/Year

123,947

16,949

Population

10,077,000

1,378,000