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?

In New Hampshire, car insurance rates average around $778 per year — one of the cheapest rates in the country compared to the national average of $1,424. Average rates are based on a number of companies and locations for a sample driver.

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

What States Don't Require Car Insurance? There are only two states where car insurance is not mandatory for all drivers: Virginia and New Hampshire. In Virginia, an uninsured motor vehicle fee may be paid to the state, while in New Hampshire, vehicle owners have the option to post cash bonds.

Do you legally need car 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.

Can you drive in NH without car insurance?

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?

What States Don't Require Car Insurance? There are only two states where car insurance is not mandatory for all drivers: Virginia and New Hampshire. In Virginia, an uninsured motor vehicle fee may be paid to the state, while in New Hampshire, vehicle owners have the option to post cash bonds.

Is NH a no fault state?

New Hampshire is a "fault" state, which means that at-fault motorists may be held liable for the injuries and damages they cause. Therefore, victims of negligent drivers must prove who was responsible for the accident in order to pursue compensation for their losses.

Is NH no-fault car insurance?

Yes, New Hampshire is an at-fault state. Although many states have moved to a no-fault system for car accidents, New Hampshire is not one of them. Instead, it continues to matter who was responsible for an accident on New Hampshire roads.

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.

Does insurance follow the car or the driver in New Hampshire?

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.

Which US state currently has no-fault insurance laws?

The 12 states that have no-fault insurance laws are: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah. Drivers can opt out of a no-fault policy in Kentucky, New Jersey, and Pennsylvania.

Is New Hampshire car insurance expensive?

Car insurance is relatively cheap in New Hampshire. The average auto insurance rate in New Hampshire is $1,083 per year — 24.1% less than the US average. But car insurance rates are dictated by more than just state lines.

Which state charges the most for 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.

Do NH residents need car insurance?

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.

Where in the US 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.

Is car insurance mandatory 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.

Is it illegal to not have car insurance in Florida?

State officials estimate 1 in 4 drivers in the Sunshine State don't have auto insurance as required by law. Driving without insurance is illegal in Florida, and it's a serious problem that could result in the suspension or revocation of your driver's license.

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.

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