If you live in Virginia or New Hampshire, you don’t need to buy car insurance. However, you won’t get off completely scot-free.
In Virginia, if you lack auto insurance, you’ll need to pay a $500 uninsured motorist vehicle fee to the DMV.2
While you won’t have to pay a similar fee in New Hampshire, you’ll need to prove that you can meet the New Hampshire Motor Vehicle Financial Responsibility Requirements before driving your car3. If you’re at fault in a car accident in the state, you’ll be responsible for a minimum of $25,000 in bodily injuries and property damages per accident.4