No, New Hampshire is the only state that does not legally require its drivers to carry auto insurance. However, you must be able to prove that you are financially responsible for any accident you cause. The most common and straightforward way to meet this requirement is by purchasing a standard auto insurance policy. If you choose to drive uninsured, you are personally assuming all the financial risk and must be prepared to provide proof of your ability to pay for damages, such as through a bond or cash deposit held by the state.
The state's financial responsibility law (RSA 264:2) mandates that you must be able to cover minimum liability amounts if you are at fault in a crash. While not required by law, these amounts are the same as the minimum coverage limits for those who do buy insurance, which are:
| Minimum Liability Coverage Type | Required Amount in New Hampshire |
|---|
| Bodily Injury Liability (per person) | $25,000 |
| Bodily Injury Liability (per accident) | $50,000 |
| Property Damage Liability | $25,000 |
| Uninsured Motorist Coverage (per person) | $25,000 |
| Uninsured Motorist Coverage (per accident) | $50,000 |
It is crucial to understand that choosing to forgo insurance is a significant gamble. If you cause a serious accident, you could be personally sued for medical bills, vehicle repairs, and other costs that far exceed these minimums, potentially leading to financial ruin. Furthermore, if you fail to provide proof of financial responsibility after an accident, the Division of Motor Vehicles (DMV) will suspend your license and vehicle registration until you can satisfy all judgments against you. For almost all drivers, purchasing even a basic liability policy is the safer and more practical choice.
