State laws vary but in most states, yes you could get cited for driving without insurance if you drive in a state that requires insurance and you are uninsured because New Hampshire does not require auto insurance. You need to follow the laws of the state you are in regarding this issue normally.

As you know, the NH Insurance Department states that New Hampshire law does not require you to have automobile insurance. However, 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 NH you must also satisfy the state's 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 you to carry auto insurance, most all 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.

If you travel out of your state of New Hampshire by operating a motor vehicle you will in most all states need to have at least basic liability insurance on the vehicle that would cover damages you may cause to others. Most auto insurance policies include a broadening clause that raises the liability limits to the minimum of the particular state that a driver is operating a vehicle in and thus conform to the minimum limits of that state compare to their home state.

So when visiting other states you can be required to have auto insurance if their state laws required this of cars/drivers on the roadway. When driving in other states you need to follow their laws and laws enforcement can cite you for not abiding by these laws. If you do not have proof of car insurance or another form of financial responsibility then in most states you can indeed be cited for driving without insurance and face penalties ranging from a fine to car impoundment, imprisonment and license suspension.

To better protect yourself, your car and your assets (such as your home, bank account, etc) we would advise you to carry auto insurance at all times, not just if you plan trips out of your state. If you are found at fault in a severe accident and are sued by the other party your personal assets would be at risk.

Before driving out of state without insurance on your motor vehicle it would be advisable to find out more about state insurance laws and if you need auto insurance (and if so what type) as a non-resident to operate a vehicle on roadways in MA, VT or any other state. You can contact the state's DMV or insurance regulatory body for this type of information.

Follow this link to get free auto insurance quotes for NH so that you and your assets are protected.