Mississippi vs New Jersey Car Insurance

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

Quick Verdict

More Affordable

Mississippi is $190/yr cheaper on average.

Fewer Uninsured

New Jersey has a lower uninsured rate (14.9% vs 22.5%).

Rate & Coverage Comparison

Attribute	Mississippi	New Jersey
Avg Annual Premium	$1,780	$1,970
Min Liability	$580	$650
Full Coverage	$1,780	$1,970
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	22.5%	14.9%
Registered Vehicles	2,428,020	7,616,980
Accidents/Year	36,420	114,254
Population	2,961,000	9,289,000

Minimum Coverage Requirements

Mississippi

25/50 / 25 liability

New Jersey

15/30 / 5 liability

Premium Comparison

Mississippi$580 – $1,780

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

New Jersey$650 – $1,970

Liability: $650Avg: $1,970Full: $1,970

MississippiFull rates, age breakdown, requirements →New JerseyFull 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 Jersey?

Mississippi has cheaper car insurance, with an average annual premium of $1,780 compared to $1,970 in New Jersey - a difference of $190 per year.

How do Mississippi and New Jersey compare on fault systems?

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

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

Mississippi requires 25/50 / 25 liability. New Jersey requires 15/30 / 5 liability. Minimum liability costs $580/yr in Mississippi and $650/yr in New Jersey.

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

Mississippi has a higher uninsured driver rate at 22.5%, compared to 14.9% in New Jersey. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Mississippi vs New Jersey 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 Jersey

Avg Annual Premium

$1,780

$1,970

Min Liability

$580

$650

Full Coverage

$1,780

$1,970

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

22.5%

14.9%

Registered Vehicles

2,428,020

7,616,980

Accidents/Year

36,420

114,254

Population

2,961,000

9,289,000