Which states do not require car insurance?

Here's what you need to know...

  • Insurance is a necessity that protects us, our vehicles, and other drivers on the road
  • Most states require citizens to carry a minimum amount of insurance before driving
  • New Hampshire and Wisconsin are the only states that have no minimum requirements

If you live in the United States, chances are car insurance is just a regular part of life.

Almost every state has a minimum requirement for car insurance.

As of 2010, New Hampshire and Wisconsin are the only two states that do not require its residents have auto insurance.

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New Hampshire

New Hampshire state sign

For any driver, not having coverage remains risky.

For example, if an accident involves drugs or alcohol, your case may be reviewed per requirements.

In such a case, the state of New Hampshire may suspend, or even revoke, your driver’s license should you not be able to cover the fiscal damages of the other party that is injured.

Cleary, getting a DUI conviction can cost more than increased insurance rates.


While there is no mandatory law that requires its residents purchase auto insurance, citizens have to be able to prove their ability to pay for damages in the event of an auto accident if they are the ones at fault.

This can be done in a number of ways:

  1. The motorist can carry liability insurance on the vehicle
  2. They can put a cash deposit of $60,000 or more down with the Wisconsin Department of Transportation
  3. They can file a bond with the Wisconsin Department of Transportation as well

If a motorist happens to get stopped in Wisconsin by a police officer without insurance, an independent investigation will be led by the Wisconsin Department of Transportation and the case will be put under review.

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Each of the 50 states has different requirements concerning car insurance and the minimum requirements necessary to meet its laws.

Every state has fiscal responsibility laws that state that you must be able to pay for any liabilities that you may cause an accident.

Furthermore, most states require that each driver has bodily injury liability insurance.

In various states, licensed drivers may not register a vehicle without first showing proof that they have liability insurance.

Other states, however, request that its residents need only proof of insurance in the event of an accident or traffic violation.

State Requirements

The laws of each state change or renew on an annual basis. Therefore, some states did not have requirements for insurance in the past now do so.

Wisconsin and New Hampshire have the fewest requirements.

Requiring that motorists purchase car insurance for their vehicles is one of the ways states help drivers stay safe.

Insurance pays for many things including personal injury and damage to vehicles for victims of car accidents.

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Category: Auto Insurance

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