Mississippi 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 $730/yr cheaper on average.

Fewer Uninsured

New Hampshire has a lower uninsured rate (6.1% vs 22.5%).

Rate & Coverage Comparison

Attribute	Mississippi	New Hampshire
Avg Annual Premium	$1,780	$1,050
Min Liability	$580	$340
Full Coverage	$1,780	$1,050
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	22.5%	6.1%
Registered Vehicles	2,428,020	1,129,960
Accidents/Year	36,420	16,949
Population	2,961,000	1,378,000

Minimum Coverage Requirements

Mississippi

25/50 / 25 liability

New Hampshire

25/50 / 25 liability

Premium Comparison

Mississippi$580 – $1,780

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

New Hampshire$340 – $1,050

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

MississippiFull 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, Mississippi or New Hampshire?

New Hampshire has cheaper car insurance, with an average annual premium of $1,050 compared to $1,780 in Mississippi - a difference of $730 per year.

How do Mississippi and New Hampshire compare on fault systems?

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

What are the minimum insurance requirements in Mississippi vs New Hampshire?

Mississippi requires 25/50 / 25 liability. New Hampshire requires 25/50 / 25 liability. Minimum liability costs $580/yr in Mississippi and $340/yr in New Hampshire.

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

Mississippi has a higher uninsured driver rate at 22.5%, compared to 6.1% in New Hampshire. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Mississippi 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

Mississippi

New Hampshire

Avg Annual Premium

$1,780

$1,050

Min Liability

$580

$340

Full Coverage

$1,780

$1,050

Fault System

At-Fault (Tort)

Uninsured Rate

22.5%

6.1%

Registered Vehicles

2,428,020

1,129,960

Accidents/Year

36,420

16,949

Population

2,961,000

1,378,000