States that Don’t Require Car Insurance: New Hampshire
The only states that do not require mandatory car insurance as of 2010 and for its drivers are New Hampshire and Wisconsin. However, the unofficial Department of Motor Vehicles guide writes that it depends on the circumstances as to whether or not you actually need it. For any driver, not having coverage remains risky.
For example if the accident you become involved in involve drugs or alcohol, your case may be reviewed per requirements. In such a case, the state of New Hampshire may suspend, or even revoke, your driver’s license should you not be able to cover the fiscal damages of the other party that is injured. Cleary, getting a DUI conviction can cost more than increased insurance rates.
States that Don’t Require Car Insurance: Wisconsin
The laws that govern the state of Wisconsin are a paradox. While there is no mandatory law that requires its residents purchase auto insurance, citizens of the state have to be able to prove their ability to pay for damages in the event of an auto accident if they are the ones at fault. The unofficial Department of Motor Vehicles guide says that this can be done in a number of ways.
First the motorist can carry liability insurance on the vehicle.
Second they can put a cash deposit of $60,000 or more down with the Wisconsin Department of Transportation.
Finally they can file a bond with the Wisconsin Department of Transportation as well.
If a motorist happens to get stopped in Wisconsin by a police officer in the do not have insurance, an independent investigation will be led by the Wisconsin Department of Transportation and the case will be put under review.
States that Don't Require Car Insurance