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New Hampshire is the only state identified by the National Association of Insurance Commissioners (NAIC) as lacking a compulsory auto liability insurance law. That does not mean drivers there can ignore financial responsibility or liability after a crash. Virginia is no longer an exception: its former option to pay a fee instead of maintaining insurance ended on July 1, 2024.
Which states do not require auto insurance?
As of October 4, 2026, New Hampshire is the only state identified in the NAIC’s consumer summary as not having a compulsory auto liability insurance law. The NAIC says auto insurance is not required there if a driver complies with alternative financial responsibility requirements. Its summary is useful context, but it does not replace checking current New Hampshire law and DMV instructions.
“Not compulsory” is narrower than “no rules.” Drivers may still be responsible for injuries and property damage they cause, and New Hampshire’s alternative financial responsibility requirements still apply. The precise triggers, amounts, and procedures are not established by the sources cited here, so do not assume that driving uninsured is consequence-free.
NAIC’s Uninsured Motorists consumer page
Is Virginia still a no-insurance state?
No. Virginia ended its uninsured motor vehicle fee option on July 1, 2024. The Virginia DMV says registered vehicles must obtain an insurance policy meeting Virginia’s liability limits, and vehicles must remain covered while registered. Older pages that list Virginia as a state where drivers can pay a fee instead of carrying insurance are out of date.
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Virginia’s DMV also describes other ways to meet financial responsibility: a surety bond, a deposit of money or securities, or a self-insurance certificate. These are not the same as simply paying the former fee; check the DMV’s requirements for eligibility and proof.
Virginia DMV: New Laws Take Effect, Today, July 1, 2024
Virginia DMV: Insurance Requirements
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What does “not required” mean for a driver?
A state’s legal minimum is only one part of the decision. It is different from optional coverage, and it may also be different from a lender’s contract requirements. For example, California’s consumer guidance says vehicle owners and drivers must establish financial responsibility, most commonly with liability insurance; a separate California guide explains that a lender may require coverage that is not itself a state legal requirement for driving on public streets. Those are California examples, not rules that apply nationwide.
- Legal requirement: Whether the state requires liability insurance or another form of financial responsibility.
- Crash responsibility: Whether and how you may be held responsible for injury or property damage you cause.
- Registration and proof: Whether a vehicle must be insured while registered and what documents or alternatives the state accepts.
- Contract requirement: Whether a lender or lessor requires particular coverage under a vehicle financing or lease agreement.
California Department of Insurance: Automobile Insurance Text Version
California Department of Insurance: Lender-Required Insurance
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What should you check before driving?
- Look up the current insurance and financial responsibility rules for the state where the vehicle is registered and operated.
- Check the state DMV’s instructions for accepted proof, registration obligations, and any alternatives to an insurance policy.
- If you are relying on an alternative method, confirm its requirements and obtain any required approval before driving.
- Review your lender or lease agreement separately; its coverage conditions can exceed the state’s legal minimum.
- If you have a crash, do not assume that an exception from compulsory insurance removes liability or other state requirements.
For New Hampshire, verify the applicable requirements with current state law and DMV guidance before driving without a policy. The cited New Hampshire statute, RSA 264:15, concerns uninsured or hit-and-run motor vehicle coverage in policies; it does not by itself establish all financial responsibility thresholds or accident-trigger procedures for uninsured drivers.
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