The State of New Hampshire does not require drivers and vehicle owners to have automobile insurance.

However, the state requires some drivers to have liability car insurance for New Hampshire. These drivers are the ones who had prior convictions or violations, been convicted of DWI or had many points placed on their driving records. For these drivers, they are required to have the SR-22. It is also important to note that some traffic violations will result in being required to have the SR-22. The SR-22 is a car insurance certification proving you have purchased liability car insurance. If you have been convicted of DWI for the first time, you are required to have the SR-22 for three years. If you have been convicted for the second time, you are required to have it for five years. Also, if your license was suspended, you have to have the SR-22 to have it reinstated.

Although New Hampshire does not require you to have car insurance, you are required to show proof of financial responsibility. Proof of financial responsibility is a proof that you can pay for any expenses incurred from an accident of which you are responsible for. If you do not have enough assets, it is better for you to purchase auto insurance. To protect yourself, you should buy at least $25,000 liability coverage per person per accident, $50,000 liability coverage for two or more people per accident and $25,000 for property damage. You should also consider purchasing $5,000 medical payments coverage and at least $25,000 per person and $50,000 per accident uninsured motorist coverage. Generally these are enough to cover your expenses in case of an accident. These are also the minimum coverage requirements if you are going to use your insurance as proof of your financial responsibility.