Why don’t you need car insurance in New Hampshire?

New Hampshire's Motor Vehicle Financial Responsibility Requirements do not require you to buy car insurance, but under these rules you must be able to pay for losses arising from a car accident you cause.

Is New Hampshire a no-fault state for auto insurance?

With regard to car insurance, New Hampshire is a “fault” state.

Is car insurance high in New Hampshire?

New Hampshire has some of the cheapest car insurance rates compared to other states thanks to the low percentage of uninsured motorists and vehicle theft. Only six percent of drivers in New Hampshire are uninsured. This reduces the risk of insured drivers' policies covering accidents because of the uninsured.

What states in America do you not need car insurance?

New Hampshire is the only state that doesn't mandate car insurance. However, drivers who choose not to buy car insurance must prove they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event they cause an accident.

Why does New Hampshire have no car insurance?

New Hampshire does not require drivers to carry car insurance, but the state's Motor Vehicle Financial Responsibility Law makes the purchase of a liability policy the best option for most vehicle owners.

Is car insurance necessary in New Hampshire?

New Hampshire motor vehicle laws do not require you to carry auto insurance, but you must be able to demonstrate that you are able to provide sufficient funds to meet New Hampshire motor vehicle financial responsibility requirements in the event of an “at- fault” accident.

Are there any US states that don’t require car insurance?

New Hampshire and Virginia are the only two states that don't require car insurance. That said, there is no one country-wide rule when it comes to how much car insurance you have to have. Each state has a different minimum amount of car insurance that drivers must obtain in order to legally drive on public roads.

Which states are considered no-fault?

Florida, Kansas, Hawaii, Massachusetts, Minnesota, Michigan, New Jersey, New York, North Dakota, Pennsylvania, Kentucky and Utah are the states with no-fault car insurance laws. All no-fault states include Personal Injury Protection as part of their minimum car insurance requirements.

Why does New Hampshire have no car insurance?

New Hampshire does not require drivers to carry car insurance, but the state's Motor Vehicle Financial Responsibility Law makes the purchase of a liability policy the best option for most vehicle owners.

What happens if the person at fault in an accident has no insurance in New Hampshire?

What Happens if You Are at Fault for the Accident? If you do not have auto insurance and cause a car accident in New Hampshire, you will be responsible for paying for the other party's damages and losses out of your own pocket.

Does insurance follow the car or the driver in NH?

Car insurance usually follows the car in New Hampshire. The types of car insurance that follow the car in New Hampshire are bodily injury liability, personal injury liability, collision, and comprehensive. You're required to carry bodily injury liability and property damage liability in New Hampshire.

Is car insurance more expensive in New Hampshire?

New Hampshire drivers pay less for car insurance than the average American driver. For comparison, the average cost of car insurance in the U.S. is $1,674 per year for a full coverage policy. In addition, the average car insurance rates in New Hampshire are based on a number of personal factors.

Why does New Hampshire have no car insurance?

New Hampshire does not require drivers to carry car insurance, but the state's Motor Vehicle Financial Responsibility Law makes the purchase of a liability policy the best option for most vehicle owners.

Is New Hampshire a no fault insurance state?

With regard to car insurance, New Hampshire is a “fault” state.

What state has the highest cost for full coverage car insurance?

According to our 2022 analysis, Michigan has the most expensive car insurance, with average premiums of $7,175 per year, a 23% increase from 2021.

Can you drive without insurance in USA?

You cannot legally drive in any state without demonstrating financial responsibility for damages or liability in the event of an accident. In most states auto insurance is mandatory as proof of this responsibility.

Does Texas require car insurance?

Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage. Think about buying more liability coverage.

Do you need car insurance in Arizona?

Arizona requires that every motor vehicle operated on roadways be covered by one of the statutory forms of financial responsibility, more commonly called liability insurance, through a company that is authorized to do business in Arizona. This requirement also includes golf carts, motorcycles and mopeds.

Do you need auto insurance in NH?

New Hampshire motor vehicle laws do not require you to carry auto insurance, but you must be able to demonstrate that you are able to provide sufficient funds to meet New Hampshire motor vehicle financial responsibility requirements in the event of an “at- fault” accident.

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