New Hampshire has no mandatory insurance law, so you don’t have to get insurance, but we here at Shmoop still think you probably should. If you don’t get insurance and something does happen to you or your car—or a passenger or other driver—, you’ll have to pay out of pocket for any repairs or medical bills. If you can’t pay the bills, the DMV will be forced to suspend your license until some kind of settlement is reached.

If you are involved in an uninsured accident, you may be required by law to then maintain insurance for several years thereafter. Ya know, in case you do it again.

Fret not, insurance avoiders, for New Hampshire has financial responsibility limits:

Source

• $25,000 for a single death or injury;

• $50,000 for death or injury to multiple persons;

• $25,000 for property damage.

The state can suspend your license if you are uninsured and are caught driving under the influence of drugs or alcohol, failing to stop or report when involved in a crash, kill someone as a result of your driving, commit acts of reckless driving for a second time, or if they find just cause as a result of a hearing.

The biggie really is medical bills, though. If you are involved in some type of collision, you’re going to need to be able to pay for your treatment and any subsequent physical therapy. Live free or die? More like live free without insurance and you could die.