There are a few states in which auto insurance is not required however you are mandated by those states laws to have a type of financial responsibility in place to cover damages you may cause in an accident if you choose to not have car insurance on your motor vehicle.

Every state requires car insurance or that you meet financial responsibility requirements through a bond or some other way which shows you are able to pay if you cause damages to another person or property in an automobile accident. Each state changes and/or renews their laws annually, so some states that had no insurance requirements in the past now do. New Hampshire probably has the least amount of requirements.

New Hampshire state law does not require minimum auto insurance coverage. However, if you are at-fault in an accident without having insurance coverage you will be required to get car insurance. In this state it is advised that if you own a vehicle you get at least some type of bodily injury coverage, in addition to $25,000 worth of property damage.

Many people believe that Wisconsin does not require insurance, which is true however you must have other means to pay for damages you cause if you are at fault in an accident.

Wisconsin has a financial responsibility law that pertains to any motorist licensed to drive in Wisconsin. This law is designed to make sure anyone operating a vehicle has insurance or enough money to pay for damages to others that may have been caused by a motor vehicle. These requirements may be met through an automobile liability insurance policy, a surety bond, personal funds or a certificate of self-insurance.

Our article titled, How Much Car Insurance Should You Buy? explains more about minimum insurance or financial requirements required each state.