Here is some more information about the rules of the road in the Granite State.
Is Insurance Required in New Hampshire?
Car insurance isn’t required in the state of New Hampshire. Instead, you can prove that you have the money to meet the state’s financial responsibility requirement, which is a total of $100,000 of liability coverage. If you don’t want to get regular insurance, you’ll need to deposit money or securities in the amount of $100,000 to the state treasurer. If you’re going the securities route, you can buy them from a savings bank or from a trust fund.
This isn’t an option for most people, which is probably why 94 percent of New Hampshire’s drivers have purchased car insurance.2 Even though it’s not required, it’s a good idea to carry proof of insurance whenever you’re driving. If you get into an accident, having your insurance information on hand to exchange with the other party will be helpful.
Since the state doesn’t require insurance, you won’t need to show proof of insurance to register your vehicle. Rather, for new registrations, the process is twofold:
- Town or city: First, you’ll demonstrate your residency in a town or city, show your vehicle title, and pay the town/city fee.
- State: Then, you or the town/city clerk will complete the state part of the transaction. Again, you’ll have to pay a fee.3
Registration renewals occur at your town or city DMV office only.