In most states if you drive a vehicle on any state roadway you must, by law, have automobile insurance, but such is not the case in New Hampshire. Under New Hampshire law, a good driver in New Hampshire is not required to carry any form of automobile insurance at all.
However, that does not mean that no one in New Hampshire must purchase automobile insurance.
To begin with, if you finance a vehicle then chances are very good that your financing company will force you to purchase full automobile insurance coverage in order to protect the collateral they have for their loan namely, your car.
Also, even if your vehicle is not financed you still may be forced to pay for automobile insurance in New Hampshire if your driving record is not spotless.
For example, a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated) conviction will guarantee that you must purchase automobile insurance for a minimum of three years; a second conviction gets you an extra two years of required coverage.
There is also a point system in New Hampshire that can earn you the dubious distinction of having to purchase automobile insurance. Such things as...
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