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Do New Hampshire drivers need to carry insurance to drive in other states?


New Hampshire car insurance laws are unusual in that car insurance is not required on New Hampshire roadways -- drivers only need to demonstrate the ability to pay for damages they cause in an accident. If you have an "at fault" accident without having insurance coverage, you will be required to post a bond or cash equal to the amount of damage you caused in that accident.

If at fault in an accident in this state you must also satisfy the New Hampshire Financial Responsibility requirements to continue to operate a vehicle in New Hampshire. These minimum limits are 25/50/25 (Bodily Injury $25,000 per person; $50,000, 2 or more persons; and Property Damage $25,000). A $75,000 single limit policy will also satisfy the minimum requirement.

Even though your home state may not require auto insurance coverages typically other states do require you to have auto insurance to operate a vehicle on their roadways. Most states require either insurance or other financial responsibility be placed on your car that would cover an accident you may cause out of state (conform to the state laws of where you are driving) and this would be good enough to show as insurance coverage to not be cited for driving without insurance.


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3 Responses to "Do New Hampshire drivers need to carry insurance to drive in other states?"
  1. Anonymous

    I am an attorney admitted to practice in both MA and NH. This is not intended as legal advice. But I believe you have misread MGL c. 90, s. 3. What the statue actually says is that a vehicle registered in another state may be driven in MA. If the vehicle is driven in MA for more than 30 days in a year, or the owner lives or works in MA, he or she has to have insurance. The statute does not say that all vehicles registered out of state must have insurance to be driven in MA. As a MA resident, I wish that there was a way to require it. Uninsured vehicles from out of state are a menace. But I think that the federal constitution prevents MA from prohibiting vehicles from out of state that have met the requirements for registration in their home state from being driven in MA without insurance. So if NH lets a driver register a car without getting insurance, I think that those of us in MA are constitutionally required to put up with that drivers idiocy.

  2. Anonymous

    My question was answered completely - It explained it entirely.

  3. Anonymous

    There are many important issues that you fail to address in your answer, some because they werent brought up explicitly in the original question. First of all, the federal Constitution trumps State laws and state constitutions, regardless of what the state law might say. For example, the Texas Constitution requires that every state officer "acknowledge the existence of a Supreme Being." This has already been struck down by a federal court and is thus NULL and VOID, regardless of the fact that you will still find that requirement in the Texas Constitution. The Federal Constitution has a Commerce Clause, a Full Faith and Credit Clause and a Privilege and Immunities Clause that have often been used by Federal Courts to strike down state laws. The Supreme Court has decided that Americans have a fundamental "right to travel" and thus Texas laws may not state that a NH resident may not drive in Texas, for example. The right to travel also implies that Texas may not unconstitutionally burd